Bolttech VFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00078-02-001-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$6,713 |
| 45 | HK$12,513 |
| 60 | HK$22,723 |
| 75 | HK$46,360 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$650,000 |
| Lifetime limit | None |
| Room and board | HK$1,550 |
| Hospital charges | HK$17,500 |
| Doctor's visits | HK$1,550 |
| Specialist fees | HK$7,750 |
| Intensive care | HK$6,200 |
| Surgeon's fee | HK$90,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$120,000 |
| Outpatient before and after | HK$4,500 |
| Psychiatric treatment | HK$120,000 |
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 |
|---|---|
| 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 within 21-day cooling-off period if no benefits paid; no refund after cooling-off if benefits paid; pro-rata refund for current policy year upon death of insured or company ceasing authorization p.4 |
| Switching from another plan | Switching to another plan with upgraded benefits may require re-underwriting for the upgraded benefits; switching to a plan with downgraded benefits does not require re-underwriting but is subject to company discretion p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | If restricted to Semi-Private Room, 50% adjustment factor if Standard Private Room is used; no benefit if higher than Standard Private Room p.32 |
| 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 age below 75, HKD 650,000 for age 75 or above p.38 |
| Lifetime limit | none p.38 |
| Deductible options | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests; 20% for Supplementary Major Medical Benefit p.38 |
| Pre-admission outpatient | 2 visits or emergency consultations per confinement/day case procedure, capped at HKD 4,500 p.38 |
| Post-discharge outpatient | Follow-up visits within 90 days after discharge/day case procedure, capped at HKD 4,500 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 120,000 per Policy Year p.38 |
| Kidney dialysis | HKD 120,000 per Policy Year p.38 |
| Day case procedures | Covered, with a cash benefit of HKD 1,000 per procedure, up to 20 procedures per policy year p.38 |
| Home nursing | HKD 600 per day, maximum 30 days per policy year p.38 |
| Hospice care | not stated |
| Chinese medicine | none p.19 |
| Physiotherapy | Covered during confinement and as post-discharge outpatient care within 90 days, subject to HKD 4,500 limit for outpatient care p.16 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for emergency treatment to sound natural teeth due to injury, within 2 weeks of accident, up to HKD 10,000 per policy year p.38 |
| Hospital cash | HKD 400 per day of confinement, maximum 60 days per policy year, if first reimbursed by another HK licensed insurer p.38 |
| Companion bed | HKD 600 per day, maximum 30 days per policy year, for a companion of an insured person aged 15 days to 18 (or 25 if student) p.32 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| 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 | standard VHIS exclusions only p.18 |
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$12,513 to HK$12,513.
| 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.