Bolttech VFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00078-01-001-01. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,478 |
| 45 | HK$8,172 |
| 60 | HK$14,733 |
| 75 | HK$30,365 |
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$510,000 |
| 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, 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 |
|---|---|
| Pre-existing conditions unknown at application | 0% year 1, 25% year 2, 50% year 3, 100% from year 4 p.17 |
| Waiting period | none p.17 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; no refund after cooling-off period if benefits paid in policy year p.4 |
| Switching from another plan | Switching to another plan with upgraded/additional benefits is subject to re-underwriting; switching to downgraded/reduced benefits is at company's discretion p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | If voluntarily confined in a higher ward class than Ward Room, a ward class adjustment factor is applied to the Supplementary Major Medical Benefit: 50% for Semi-private Room, 25% for Standard Private Room. No benefit if higher than Standard Private Room. p.32 |
| Geographical cover | worldwide excluding psychiatric treatment p.15 |
| Psychiatric treatment area | Hong Kong only p.17 |
| Emergency treatment abroad | covered worldwide, subject to annual limit p.15 |
| Full cover on core benefits | no p.38 |
| Annual limit | unlimited for below Age 75; HKD 510,000 for Age 75 or above p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| Coinsurance | none (30% for Prescribed Diagnostic Imaging Tests, 20% for Supplementary Major Medical Benefit) p.38 |
| Pre-admission outpatient | 2 prior outpatient visits or emergency consultations per confinement/day case procedure, capped at HKD 3,000 per confinement/day case procedure p.17 |
| Post-discharge outpatient | Follow-up outpatient visits within 90 days after discharge or day case procedure, capped at HKD 3,000 per confinement/day case procedure p.17 |
| 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 for outpatient kidney dialysis p.31 |
| Day case procedures | Covered as in-patient, with a cash benefit of HKD 1,000 per procedure, maximum 20 procedures per policy year p.15 |
| Home nursing | HKD 500 per day, maximum 30 days per policy year, within 30 days after discharge p.31 |
| Hospice care | none p.22 |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during confinement and as part of post-discharge outpatient care p.16 |
| Congenital conditions | Covered from age 8 if not manifested or diagnosed before p.19 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for emergency treatment due to injury from an accident, up to HKD 5,000 per policy year, if treated within two weeks of accident p.19 |
| Hospital cash | HKD 1,000 per Day Case Procedure (max 20 per year); HKD 300 per day of Confinement for second claim (max 60 days per year) p.39 |
| Companion bed | HKD 500 per day, maximum 30 days per policy year, for Insured Person aged 15 days to 18 (or 25 if student) p.31 |
| 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 | Hypnotism; qigong; massage therapy; aromatherapy; naturopathy; hydropathy; homeotherapy 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$8,172 to HK$8,172.
| 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.