Bolttech VFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00078-01-000-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$3,158 |
| 45 | HK$5,887 |
| 60 | HK$10,656 |
| 75 | HK$21,965 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$450,000 |
| Lifetime limit | None |
| Room and board | HK$800 |
| Hospital charges | HK$15,500 |
| Doctor's visits | HK$800 |
| Specialist fees | HK$5,600 |
| Intensive care | HK$5,100 |
| Surgeon's fee | HK$75,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$90,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$90,000 |
Also includes outpatient general, dental, home nursing, a companion bed, hospital cash, rehabilitation, kidney dialysis, a death benefit, no claim.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | 100 p.11 |
|---|---|
| Minimum entry age | 15 days p.32 |
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.17 |
| Waiting period | none |
| Cancellation and refund | full refund if cancelled within 21-day cooling-off period p.4 |
| Switching from another plan | possible to switch to another plan, re-underwriting for upgrades, discretion for downgrades p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | none p.15 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.38 |
| Annual limit | unlimited for below age 75, HKD 450,000 for age 75 or above p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | none p.38 |
| Pre-admission outpatient | 2 visits prior to admission, HKD 3,000 per confinement/day case procedure p.38 |
| Post-discharge outpatient | Follow-up visits within 90 days after discharge, HKD 3,000 per confinement/day case procedure p.38 |
| General outpatient | none |
| Psychiatric treatment | HKD 30,000 per Policy Year p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | HKD 90,000 per Policy Year p.38 |
| Kidney dialysis | HKD 90,000 per Policy Year p.38 |
| Day case procedures | covered as in-patient, cash benefit of HKD 1,000 per procedure, max 20 procedures per year p.39 |
| Home nursing | HKD 500 per day, max 30 days per Policy Year p.38 |
| Hospice care | none p.22 |
| Chinese medicine | none p.19 |
| Physiotherapy | covered during confinement and as post-discharge outpatient care p.16 |
| Congenital conditions | covered from age 8 p.20 |
| Pregnancy complications | none p.19 |
| Emergency dental | covered for emergency treatment and surgery during confinement from accident, HKD 5,000 per policy year for accidental outpatient dental treatment p.19 |
| Hospital cash | HKD 1,000 per day case procedure (max 20 per year); HKD 300 per day of confinement (max 60 per year) for second claim p.39 |
| Companion bed | HKD 500 per day, max 30 days per Policy Year p.38 |
| Direct billing and pre-authorisation | pre-authorization for claimable amount estimate p.14 |
| No-claim discount | 5% for 1 year no claims, 10% for 2 consecutive years, 15% for 3 or more consecutive years p.37 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments p.19 |
At a constant age of 45, Bolttech has filed 0 schedule changes on this plan since 2021, an average of +0.0% a year, taking the premium from HK$5,887 to HK$5,887.
| Year | Change |
|---|---|
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.