Bolttech VChoice Voluntary Health Insurance Plan is a Standard Plan certified under the Voluntary Health Insurance Scheme, certification number S00012-01-000-03. It entitles the insured to a standard ward (standard plan) room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$2,576 |
| 45 | HK$4,203 |
| 60 | HK$7,068 |
| 75 | HK$12,839 |
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 | Standard ward (Standard Plan) |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$420,000 |
| Lifetime limit | None |
| Room and board | HK$750 |
| Hospital charges | HK$14,000 |
| Doctor's visits | HK$750 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$50,000 |
| Anaesthetist | As stated in the schedule |
| Operating theatre | As stated in the schedule |
| Diagnostic imaging | HK$20,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | As stated in the schedule |
| Psychiatric treatment | HK$420,000 |
Also includes outpatient general, rehabilitation, hospice care, kidney dialysis.
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.18 |
| Waiting period | none |
| Cancellation and refund | full refund within 21-day cooling-off period if no claim; after cooling-off, 30 days written notice if no benefit payment in policy year p.4 |
| Switching from another plan | possible to switch to another plan with upgrade/addition of benefits, subject to re-underwriting for the upgraded/added benefits p.12 |
| Room class | not restricted p.15 |
| If a higher room is used | not applicable 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.31 |
| Annual limit | 420000 p.31 |
| Lifetime limit | none p.15 |
| Deductible options | none p.21 |
| How the deductible applies | not applicable |
| Coinsurance | none (except for Prescribed Diagnostic Imaging Tests) p.18 |
| Pre-admission outpatient | 1 visit prior to confinement/day case procedure, $580 per visit, up to $3,000 per Policy Year p.31 |
| Post-discharge outpatient | 3 visits within 90 days after discharge/day case procedure, $580 per visit, up to $3,000 per Policy Year p.31 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.31 |
| Diagnostic imaging coinsurance | 30% p.31 |
| Non-surgical cancer treatment | 80000 p.31 |
| Kidney dialysis | not stated |
| Day case procedures | covered as in-patient, subject to general benefit limits p.15 |
| Home nursing | none |
| 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 p.19 |
| Pregnancy complications | none p.19 |
| Emergency dental | covered for emergency treatment and surgery during confinement arising from an accident p.19 |
| Hospital cash | none |
| Companion bed | none |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine treatment and other alternative treatments 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$4,203 to HK$4,203.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | no change |
| 2024 | no change |
| 2025 | no 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.