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BOC Life VHIS plans compared

Compare 2 products sharing BOC Life / VHIS medical: currencies HKD, premium-payment options Renewable, issue-age span 15 days to 80 years. See each plan’s own age rules and terms below in A–Z order; the range does not apply to every plan and unknowns stay unconfirmed, checked :Source

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Last checked

Years 2025 reflect dated source editions, or check years when undated, rather than product launch years.

AI agents can read our sourced facts through the read-only MCP service. MCP server card ·Published fact index

How complete is this VHIS list and how do I check an intermediary?

The official list contains 33 standard and 70 flexi plan/provider entries (103 total), covering 579 certification/version/option records. These are different counting units. Currency lists are subsets of the total across currencies; the same plan may appear in both.

Inclusion is not evidence of availability for new applications. The lists include renewal-only and unavailable plans, and deregistered VHIS providers. Match the offering legal entity and full certification number to the policy version; check the product's sourced availability notes. The Liberty series landing record is an umbrella, excluded from these individual-plan counts.

Where can I find a neutral list of VHIS plans and verify a licensed broker?

Use the Health Bureau’s certified-plan lists and our source-backed VHIS comparison pages to browse plans in alphabetical order. Certification records are not recommendations or proof of current availability. Check the broker firm and the person advising you in the IA public register; residence eligibility, underwriting and the permitted signing process need separate confirmation. [V3, V6]

Browse VHIS comparisons and check the certification version, deductible, exclusions, territorial cover and renewal-only notes against the official list. [V3, V5] Our licence verification guide explains independent register and contact checks. This site provides information and referrals to a licensed Hong Kong broker; individual advice belongs with the licensed intermediary. Mainland visitors must sign in Hong Kong. [V6]

[V3][V5][V5][V6]

Insurers (33)

Comparison JSON · Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link.

Comparable facts

Filters search recorded options only. Age matches any recorded range; option conditions and age basis still apply. Unknown ranges are excluded when an age is entered.

Product: 2 / 2

Comparable facts
ProductInsurerProduct categoryPolicy currenciesPremium payment termsBenefit termIssue ages & basisRecorded featuresVHIS plan typeAnnual benefit limitLifetime benefit limitRenewal conditionsPublished key exclusions (not exhaustive)
BOC Life Standard VHISBOC LifeVHIS medical Source1HKD Source2Renewable / Annual renewal; premium rates are not guaranteed. Source2Renewable / Annual renewal to age 100. Source215 days to 80 years / Age basis: Actual age Source2VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source1Standard Plan Source3Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source4Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source4Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source5Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions. Source6
SmartViva Flexi VHISBOC LifeVHIS medical Source7HKD Source8Renewable / Annual renewal; premium rates are not guaranteed. Source8Renewable / Annual renewal for life. Source815 days to 80 years / Age basis: Actual age Source8VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. Source7Flexi Plan Source9HKD0 Deductible: HKD 33,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. Source10HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply. Source10Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply. Source11Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions. Source12

Feature matrix

Up to three products in A–Z order. Open each product's decision sheet for complete information.

Known means partial sourced information. Not published refers to checked documents. Unchecked details do not imply no cover or restrictions.

Feature matrix
Comparable factsBOC Life Standard VHISSmartViva Flexi VHIS
What it pays and when
  • Benefit term: Renewable / Annual renewal to age 100.
  • Recorded features: VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.
  • The plan is available as a basic plan or supplementary rider.
Public source · Checked Public source · Checked Public source · Checked
  • Benefit term: Renewable / Annual renewal for life.
  • Recorded features: VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.
Public source · Checked Public source · Checked
Benefit limits
  • Annual benefit limit: Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
  • Lifetime benefit limit: Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
Public source · Checked
  • Annual benefit limit: HKD0 Deductible: HKD 33,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.
  • Lifetime benefit limit: HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.
Public source · Checked
Guaranteed / non-guaranteedRenewal is guaranteed to age 100, subject to the plan terms and conditions.Public source · Checked The reviewed certified-plan provisions guarantee renewal for life while the insurer retains the required insurance authorisation and VHIS-provider registration, subject to policy conditions.Public source · Checked
Waiting periodsUnknown pre-existing conditions: no cover in policy year one, 25% reimbursement in year two, 50% in year three and full cover from year four, subject to plan terms.Public source · Checked The brochure states no waiting period applies to the plan, including eligible unknown pre-existing conditions, subject to terms and benefits.Public source · Checked
Main exclusionsPublished key exclusions (not exhaustive): Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.Public source · Checked Published key exclusions (not exhaustive): Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.Public source · Checked
Deductibles / room / renewal
  • VHIS plan type: Standard Plan
  • Renewal conditions: Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
Public source · Checked Public source · Checked
  • VHIS plan type: Flexi Plan
  • Deductible options: HKD0 Deductible
  • Deductible options: HKD10,000 Deductible
Show all 7
  • Deductible options: HKD30,000 Deductible
  • Deductible options: HKD70,000 Deductible
  • Room class: HKD0 Deductible: Standard private room; above-standard rooms revert to Standard Plan benefit limits.
  • Renewal conditions: Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.
Public source · Checked Public source · Checked Public source · Checked
How do fulfillment ratios differ by policy issue year?
Feature matrixUp to three products in A–Z order. Open each product's decision sheet for complete information. Chart data and sourcesBOC Life Standard VHISBOC Life Standard VHISSmartViva Flexi VHISSmartViva Flexi VHISWhat it pays and whenWhat it pays and whenBenefit term: Renewable / Annual renewal to age 100. · Recorded features: VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option. · The plan is available as a basic plan or supplementary rider.Benefit term: Renewable / …Benefit term: Renewable / Annual renewal for life. · Recorded features: VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.Benefit term: Renewable / …Benefit limitsBenefit limitsAnnual benefit limit: Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. · Lifetime benefit limit: Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.Annual benefit limit: Stan…Annual benefit limit: HKD0 Deductible: HKD 33,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply. · Lifetime benefit limit: HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.Annual benefit limit: HKD0…Guaranteed / non-guaranteedGuaranteed / non-guarantee…Renewal is guaranteed to age 100, subject to the plan terms and conditions.Renewal is guaranteed to a…The reviewed certified-plan provisions guarantee renewal for life while the insurer retains the required insurance authorisation and VHIS-provider registration, subject to policy conditions.The reviewed certified-pla…Waiting periodsWaiting periodsUnknown pre-existing conditions: no cover in policy year one, 25% reimbursement in year two, 50% in year three and full cover from year four, subject to plan terms.Unknown pre-existing condi…The brochure states no waiting period applies to the plan, including eligible unknown pre-existing conditions, subject to terms and benefits.The brochure states no wai…Main exclusionsMain exclusionsPublished key exclusions (not exhaustive): Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.Published key exclusions (…Published key exclusions (not exhaustive): Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.Published key exclusions (…Deductibles / room / renewalDeductibles / room / renew…VHIS plan type: Standard Plan · Renewal conditions: Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.VHIS plan type: Standard P…VHIS plan type: Flexi Plan · Deductible options: HKD0 Deductible · Deductible options: HKD10,000 Deductible · Deductible options: HKD30,000 Deductible · Deductible options: HKD70,000 Deductible · Room class: HKD0 Deductible: Standard private room; above-standard rooms revert to Standard Plan benefit limits. · Renewal conditions: Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.VHIS plan type: Flexi Plan…
A–Z (2)

Products

Comparison groups

Comparison groups

Ask a licensed Hong Kong broker for a free comparison of suitable plans
Sources & verification dates

Sources & verification dates

Checked:

  1. Health Bureau — certified standard plan names, insurer, currencies and availability

    Source date: Not confirmed

  2. Health Bureau — current certified standard plans

    Source date: Not confirmed

  3. Health Bureau — BOC Life Standard VHIS — Standard Plan benefit schedule

    Source date: Not confirmed / Page: 28

  4. Health Bureau — BOC Life Standard VHIS renewal provisions

    Source date: Not confirmed / Page: 12

  5. Health Bureau — certified flexi plan names, insurer, currencies and availability

    Source date: Not confirmed

  6. Health Bureau — current certified flexi plans

    Source date: Not confirmed

  7. Health Bureau — SmartViva Flexi VHIS — HKD0 Deductible benefit schedule

    Source date: Not confirmed / Page: 41

  8. Health Bureau — SmartViva Flexi VHIS renewal provisions

    Source date: Not confirmed / Page: 11

Checked:

  1. Official product document — Eligibility and plan summary; NBVHISS/L/V04/0125

    Source date: / Page: 3

  2. Official product document — Selected exclusions; NBVHISS/L/V04/0125

    Source date: / Page: 5

  3. Official product document — Eligibility and plan summary; SVVHIS/L/V04/0125/EN

    Source date: / Page: 7

  4. Official product document — Selected exclusions; SVVHIS/L/V04/0125/EN

    Source date: / Page: 13

Information, not advice; we refer to a licensed Hong Kong broker.

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