BOC Flexi Voluntary Health Insurance Scheme Certified Plan (“Flexi Plan”)

For VHIS Service enquiry, please contact Hotline 3669 3003.

Plan Certification Number:


Benefit items


Basic plan^


Basic plan^ + upgrade benefits 1


Basic plan^ + upgrade benefits 2


Basic plan^ + upgrade benefits 3


Basic plan^ + supplementary major medical benefit


Basic plan^ + supplementary major medical benefit + upgraded benefits 1


Basic plan^ + supplementary major medical benefit + upgraded benefits 2


Basic plan^ + supplementary major medical benefit + upgraded benefits 3

 ^ Basic plan included Part I Basic benefits + Part II Additional benefits

Bank of China Group Insurance Company Limited (“BOCG Insurance”) registers with the Hong Kong Special Administrative Region Government as a Voluntary Health Insurance Scheme provider.

Healthcare costs are rising with the advancement of technology. An adequate insurance coverage would be needed in your pursuit of an ideal lifestyle. BOCG Insurance is delighted to present “BOC Flexi Voluntary Health Insurance Scheme Certified Plan” (“the Plan”). The plan is an individual indemnity hospital insurance plan. Apart from hospital and surgical expenses, the Plan also covers “Extra serious sickness benefit ”and “Pregnancy complications”etc., to provide you with a comprehensive coverage. You can also upgrade the Plan with“Supplementary major medical benefit”and“Upgraded benefits”, it gives you peace of mind and helps you cope with the ever-increasing medical expense. 

Latest Promotion

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Key features of the Plan


  1. Period of insurance of the Plan is 1 year, and the Plan offers guaranteed renewal on yearly basis to 100 years old1

  2. Tax deduction2

  3. Coverage extended to include unknown pre-existing conditions3

  4. Coverage of clinical surgery

  5.  Optional Benefits include “Supplementary major medical benefit” and“Upgraded benefits”

  6. 24-hour worldwide emergency assistance services4 (This extra services are in addition to the Plan.)


  1. The Plan offers guaranteed renewal to 100 years old. BOCG Insurance reserves the right for all policies covered under BOC Flexi Voluntary Health Insurance Scheme Certified Plan to adjust standard premiums on a portfolio basis and amend the terms and/or benefits limit from time to time in accordance with the prevailing VHIS compliance requirements (including obtaining the prior approval from the Food and Health Bureau of the Government of the Hong Kong Special Administrative Region before the change, if applicable) upon renewal for the coming policy year. For details of arrangement, please refer to the policy.

  2. The Policy Holder must meet all the eligibility requirements set out under the law and by the Hong Kong Internal Revenue Department (IRD) before the Policy Holder can qualify for and receive these tax deductions. For details on tax deductions, please visit Any general tax information is merely being provided for the Policy Holder’s convenience, and the Policy Holder should not rely on such information in making any tax-related decisions. The Policy Holder should always consult with an appropriately qualified tax advisor if in doubt. Please note that tax law and regulations are subject to change and may affect the classification of Plan and any related tax benefits including the criteria for eligibility. BOCG Insurance is not responsible for updating the Policy Holder on any such changes in laws, regulations or interpretations. Please refer to the website of the Inland Revenue Department (IRD) or contact the IRD directly for any tax related enquiries.

  3. In accordance with the terms and benefits of the Plan, the coverage was included unknown pre-existing conditions. Waiting period and reimbursement arrangement for first policy year is no coverage; Second policy year is 25% reimbursement; Third policy year is 50% reimbursement; Fourth policy year onwards is full coverage (i.e. 100%).

  4. 24-hour worldwide emergency assistance services is an extra services provided under (but not forming part of the) BOC Flexi Voluntary Health Insurance Scheme Certified Plan. If the Policy Holder wishes to unsubscribe this service, please send a written notice to BOCG Insurance. 

 Important Notes: 

  • The Proposer must be aged 18 years or above at the time of application.

  • The age of Insured Person must be between 15 days and 80 years old (inclusive) at the time of application.

  • For the Insured Person below the age of 18 years, the application should be arranged by the parent or legal guardian.

  • For the consistency of administration arrangement of BOCG Insurance’s policy, only one Policy Holder in each policy.

  • Territorial scope of cover:

    All benefits items shall be applicable to worldwide except the following items:

Part I – Basic benefits

(l) Psychiatric treatments

Applicable territorial scope of cover is Mainland China; Hong Kong, China; Macau, China only

Part II – Additional benefits

(b) Medical appliances (specific items)

(f) Post-hospitalisation home nursing fee

Part III - Optional benefits

(a) Supplementary major medical benefit

(This benefit can be extended to worldwide coverage due to Accident or Emergency)

(b) Upgraded benefits:

(i) Upgraded medical appliances

(ii) Upgraded Prescribed Non-surgical Cancer Treatments

  • All benefits described in these terms and benefits are available for all ward classes and not subject to any restriction in the choice of healthcare services providers. However, if the Insured Person is covered under Part III(a) supplementary major medical benefit, the adjustment factor is applied to the calculation of the benefit payable for Part III(a) supplementary major medical benefit, when the insured person’s average daily room and board charges incurred during such confinement is higher than the benefit limit per day set forth in the benefit Schedule for benefit payable under Part I (a) Room and board.

  • Part III – Optional benefits (a) “Supplementary major medical benefit” - This benefit shall be payable for the eligible expenses in excess of the amount payable under Part I – Basic benefits (b), (d), (e), (f), (g), (h) and (j) and Part II – Additional benefits(b), (c),  and Part III -  Optional benefits (b) for confinement, subject to 20% Coinsurance (which is equivalent to 80% reimbursement rate) and up to the benefit limit as stated in the Benefit Schedule.

  • Benefit items of Part I (a) - (l) are provided under Voluntary Health Insurance Scheme (“VHIS”) with another set of benefit limits as stated in the VHIS Standard Plan Terms and Benefits. For further details, please visit

  • The Insured Person must fill in all underwriting information in the Proposal Form, including but not limited to details of Insured Person, Stated Information for the Proposal Form and Illustration of Stated Information for underwriting purpose.

  • During the period of insurance, the Policy Holder shall inform in writing upon renewal to BOCG Insurance of any change of place of residence or occupation of the Insured Person. BOCG Insurance reserves the right to re-underwrite the policy. The right to re-underwriting must refer to the change of Place of Residence or occupation. As a result of re-underwriting, BOCG Insurance may terminate the policy, apply new or adjust existing standard premium loading in accordance with the prevailing VHIS compliance requirements (including obtaining the prior approval from the Food and Health Bureau of the Government of the Hong Kong Special Administrative Region Government before the change, if applicable).

  • The Plan only covers the expenses of the insured person on the following basis:
    Reasonable and Customary: shall mean, in relation to a charge for medical service, such level which does not exceed the general range of charges being charged by the relevant service providers in the locality where the charge is incurred for similar treatment, services or supplies to individuals with similar conditions, e.g. of the same sex and similar age, for a similar disability, as reasonably determined by BOCG Insurance in utmost good faith.
    Medically Necessary: shall mean mainly the need to have medical service for the purpose of investigating or treating the relevant disability in accordance with the generally accepted standards of medical practice.
    Deductible: shall mean a fixed amount of eligible expenses that, in a policy year, the policy holder must pay before BOCG Insurance shall reimburse the remaining eligible expenses.
    Coinsurance: shall mean a percentage of eligible expenses the policy holder must contribute after paying the deductible (if any) in a policy year. For the avoidance of doubt, coinsurance does not refer to any amount that the policy holder is required to pay if the actual expenses exceed the benefit limits under these terms and benefits.
  • Termination of Policy:
    This policy shall be automatically terminated on the earliest of the followings:
    - where this policy is terminated due to non-payment of premiums after the grace period; or
    - the day immediately following the death of the Insured Person; or
    - BOCG Insurance has ceased to have the requisite authorisation under the Insurance Ordinance to write or continue to write this policy.

    Immediately following the termination of this policy, insurance coverage under this policy shall cease to be in force. No premium paid for the current policy year and previous policy years shall be refunded, unless specified otherwise.

    In the case where the Insured Person is being confined or is undergoing prescribed non-surgical cancer treatment for a disability suffered before such termination, then, with respect to the confinement or treatment in relation to the same disability, eligible expenses incurred shall continue to be covered under this policy until (i) the Insured Person is discharged or the treatment is completed or (ii) 30 days after the termination of this policy, whichever is the earlier. The terms and benefits applicable shall be those prevailing as at the day immediately preceding the date of termination of this policy.

    BOCG Insurance shall have the right to deduct any outstanding premium from any benefit payment. For the avoidance of doubt, where this policy includes other additional benefits beyond those under the terms and benefits of this certified plan, removal or downgrading of any such other additional benefits by BOCG Insurance shall not adversely affect:
    - the terms and benefits of this certified plan which shall continue to be in full force and effect; and
    - the continuity of these terms and benefits, and shall not adversely affect BOCG Insurance 's compliance with the licensing requirement in order to continue to write these terms and benefits.
  • The Plan information does not contain the full terms of the policy and the full terms can be found in the policy document.


Terms and Conditions:

  • The Plan is underwritten by BOCG Insurance.

  • Bank of China (Hong Kong) Limited (“BOCHK”) is the appointed insurance agent of BOCG Insurance for distribution of this Plan. This Plan is a product of BOCG Insurance 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 Plan should be resolved between directly BOCG Insurance and the customer.

  • The Bank of China (Hong Kong) Limited is granted an insurance agency licence under the Insurance Ordinance (Cap. 41 of the Laws of Hong Kong) by Insurance Authority in Hong Kong SAR. (insurance agency licence no. FA2855)
  • BOCG Insurance is authorised and regulated by the Insurance Authority to carry on general insurance business in Hong Kong Special Administrative Region of the People's Republic of China.

  • BOCG Insurance reserves the sole right to determine whether any application for the Plan is acceptable or not in accordance with the information submitted at the time of application by the Proposer and/or Insured Person.

  • This promotional material is for reference only and is intended to be distributed in Hong Kong only. It shall not be construed as an offer to sell or solicitation of an offer or recommendation to purchase or sale or provision of any products of BOCG Insurance outside Hong Kong. Details of the coverage of the Plan are subject to the terms and conditions stipulated in the policy by BOCG Insurance. Please refer to the Policy document for the details of the insured items and coverage, provisions and exclusions.

  • Should there be any discrepancy between the English and Chinese versions of this promotional material, the English version shall prevail.

The Insurance Authority (“IA”) will collect premium levy from the policyholder at the applicable rate. In order to avoid any legal consequences, the policyholder must pay to the insurance company a prescribed levy for the premium for direct remittance to the IA. The levy amount may be subject to change depending on the applicable rate. For details, please visit IA's website

BOCG Insurance has another Voluntary Health Insurance Scheme Certified Plan  - "BOC Standard Voluntary Health Insurance Scheme Certified Plan " for your selection, but the premium and coverage would be different. Terms apply. Click here for details.