SmartViva Flexi VHIS

Product Type : Life Insurance

Insurer : BOC Group Life Assurance Company Limited

BOC Group Life Assurance Company Limited (“BOC Life”) offers you SmartViva Flexi VHIS (“the Plan”). BOC Life is registered with the Hong Kong Special Administrative Region Government as a Voluntary Health Insurance Scheme provider. The Plan is a certified plan under Voluntary Health Insurance Scheme (“VHIS”) and is certified by the Food and Health Bureau. The Plan is an individual indemnity hospital insurance plan providing hospitalisation and surgical benefits, offering a lifetime guarantee renewal with worldwide protection (any area excluding the United States (“U.S.”)) of up to HKD33 million per Policy Year on Basic Benefits and Enhanced Benefits.

Note:  Please refer to the product leaflet for the details of the Plan (including the coverage, key risks, major exclusions, etc.)

Product highlights 

Basic Eligibility Requirements                
Certification number


HKD0 Deductible       F00057-01-000-01
HKD10,000 Deductible F00057-02-000-01
HKD30,000 Deductible F00057-03-000-01
HKD70,000 Deductible F00057-04-000-01
Policy Currency HKD                                                                                     
Protection Period Guaranteed yearly renewable for a lifetime
Premium Payment Period Same as protection period
Issue Age  15 days to age 80
Premium Payment Mode
Annually / Monthly

Important Notes:

  • The Plan is underwritten by BOC Life. Bank of China (Hong Kong) Limited ("BOCHK") is the major insurance agency appointed by BOC Life.
  • BOC Life is authorised and regulated by the Insurance Authority to carry on long term insurance business in the Hong Kong Special Administrative Region of the People's Republic of China.
  • BOCHK is granted insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong. (Insurance agency licence no. of BOCHK is FA2855)
  • BOC Life reserves the right to decide at its sole discretion to accept or decline any application for the Plan according to the information provided by the proposed Insured and the applicant at the time of application.
  • The Plan is subject to the formal policy documents and provisions issued by BOC Life. Please refer to the relevant policy documents and provisions for details of the Insured items and coverage, provisions and exclusions.
  • BOCHK is the appointed agency of the insurance company for distribution of life insurance products. The life insurance product is a product of the insurance company but not BOCHK.
  • In respect of an eligible dispute (as defined in the Terms of Reference for the Financial Dispute Resolution Centre in relation to the Financial Dispute Resolution Scheme) arising between BOCHK and the customer out of the selling process or processing of the related transaction, BOCHK is required to enter into a Financial Dispute Resolution Scheme process with the customer; however any dispute over the contractual terms of the insurance product should be resolved between directly the insurance company and the customer.