Bolttech VFlexi Voluntary Health Insurance Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00078-03-001-01. It entitles the insured to a private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$12,429 |
| 45 | HK$23,590 |
| 60 | HK$43,238 |
| 75 | HK$89,153 |
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 | Private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$870,000 |
| 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 | HK$6,000 |
| 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 |
|---|---|
| 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 during 21-day cooling-off period; after cooling-off, 30 days notice required if no benefits paid; pro-rata refund for death or company ceasing authorization p.4 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting; switching to a plan with downgraded/reduced 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 | Benefit not payable if confined ward class is higher than Standard Private Room for Supplementary major medical benefit p.32 |
| Geographical cover | worldwide p.15 |
| Psychiatric treatment area | Hong Kong only p.15 |
| Emergency treatment abroad | covered worldwide p.15 |
| Full cover on core benefits | no p.2 |
| Annual limit | unlimited below age 75, HKD 870,000 for age 75 or above p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| How the deductible applies | none |
| Coinsurance | 30% for Prescribed Diagnostic Imaging Tests, 20% for Supplementary major medical benefit p.38 |
| Pre-admission outpatient | 2 visits prior to confinement/day case procedure, capped at HKD 6,000 per confinement/day case procedure p.38 |
| Post-discharge outpatient | visits within 90 days after discharge/day case procedure, capped at 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 | HKD 150,000 per Policy Year for haemodialysis or peritoneal dialysis at clinic or home p.31 |
| Day case procedures | Covered as in-patient, cash benefit of HKD 1,000 per procedure, max 20 procedures per policy year p.39 |
| Home nursing | HKD 700 per day, max 30 days per policy year, within 30 days after discharge from hospital 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.15 |
| Congenital conditions | Covered from age 8 p.19 |
| Pregnancy complications | none p.19 |
| Emergency dental | Covered for emergency treatment and surgery during confinement due to accident, and accidental outpatient dental treatment up to HKD 20,000 per policy year p.19 |
| Hospital cash | HKD 1,000 per Day Case Procedure (max 20 per year); HKD 500 per day of confinement (max 60 per year) if first reimbursed by another insurer p.39 |
| Companion bed | HKD 700 per day, max 30 days per policy year, for 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+ consecutive years p.37 |
| Exclusions beyond the VHIS standard list | 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$23,590 to HK$23,590.
| 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.