Bolttech VFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00078-03-000-01. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$8,772 |
| 45 | HK$17,149 |
| 60 | HK$31,406 |
| 75 | HK$64,712 |
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$670,000 |
| Lifetime limit | None |
| Room and board | HK$2,880 |
| Hospital charges | HK$25,750 |
| Doctor's visits | HK$2,880 |
| Specialist fees | HK$11,300 |
| Intensive care | HK$8,240 |
| Surgeon's fee | HK$130,500 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$150,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$150,000 |
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 |
| Cancellation and refund | Full refund during 21-day cooling-off period; After cooling-off, no refund if benefits paid, otherwise pro-rata refund if terminated by Company due to specific reasons p.4 |
| Switching from another plan | Switching to another plan with upgrade or addition of benefits is subject to re-underwriting for the upgraded/additional benefits p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | Ward class adjustment factor applied to Excess Eligible Expenses for Supplementary major medical benefit: Ward Room to Semi-private Room (50% adjustment), Ward Room to Standard Private Room (25% adjustment), Semi-private Room to Standard Private Room (50% adjustment). Not payable if higher than Standard Private Room. p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.16 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.38 |
| Annual limit | unlimited for below Age 75; HKD 670,000 per Policy Year for Age 75 or above p.39 |
| Lifetime limit | none p.39 |
| How the deductible applies | per Policy Year p.21 |
| Coinsurance | none, except 30% for Prescribed Diagnostic Imaging Tests p.38 |
| Pre-admission outpatient | 2 prior outpatient visits or Emergency consultation, HKD 6,000 per Confinement/Day Case Procedure p.38 |
| Post-discharge outpatient | Follow-up outpatient visits within 90 days after discharge or Day Case Procedure, HKD 6,000 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 150,000 per Policy Year p.38 |
| Kidney dialysis | Outpatient kidney dialysis, HKD 150,000 per Policy Year p.38 |
| Day case procedures | Covered as in-patient for various benefits; Cash benefit for Day Case Procedure HKD 1,000 per procedure, maximum 20 procedures per Policy Year p.39 |
| Home nursing | HKD 700 per day, maximum 30 days per Policy Year p.38 |
| Hospice care | not covered p.22 |
| Chinese medicine | not covered p.19 |
| Physiotherapy | Covered during Confinement under Miscellaneous charges; Covered as follow-up outpatient visit within 90 days after discharge or Day Case Procedure under Pre- and post-Confinement/Day Case Procedure outpatient care p.15 |
| Congenital conditions | Covered from Age 8 p.20 |
| Pregnancy complications | not covered p.19 |
| Emergency dental | Accidental outpatient dental treatment HKD 20,000 per Policy Year p.39 |
| Hospital cash | Cash benefit for Day Case Procedure HKD 1,000 per procedure, maximum 20 procedures per Policy Year; Cash benefit for second claim HKD 500 per day of Confinement, maximum 60 days per Policy Year p.39 |
| Companion bed | HKD 700 per day, maximum 30 days per Policy Year p.38 |
| No-claim discount | 5% for 1 year no claims, 10% for 2 consecutive years no claims, 15% for 3 or more consecutive years no claims p.37 |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Purchase of durable medical equipment or appliances including airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, air purifiers or conditioners and heat appliances for home use. 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$17,149 to HK$17,149.
| 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.