{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-boc-group-life-assurance-company-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 2 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 2 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 2 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","premiumTerms","benefitTerm","issueAges","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","renewal","keyExclusions"],"products":[{"slug":"boc-life-boc-life-standard-vhis","names":{"en":"BOC Life Standard VHIS","zh-hant":"中銀人壽標準自願醫保","zh-hans":"中银人寿标准自愿医保"},"nameBasis":"insurer-published","insurerSlug":"boc-group-life-assurance-company-limited","productPaths":["/insurers/boc-group-life-assurance-company-limited/boc-life-boc-life-standard-vhis/","/zh-hant/insurers/boc-group-life-assurance-company-limited/boc-life-boc-life-standard-vhis/","/zh-hans/insurers/boc-group-life-assurance-company-limited/boc-life-boc-life-standard-vhis/"],"insurerPaths":["/insurers/boc-group-life-assurance-company-limited/","/zh-hant/insurers/boc-group-life-assurance-company-limited/","/zh-hans/insurers/boc-group-life-assurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/BOC_Life_Standard_VHIS_PB_nonbank_EN.pdf","page":3,"title":"Official product document — Eligibility and plan summary; NBVHISS/L/V04/0125","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Annual renewal; premium rates are not guaranteed.","zh-hant":"每年續保，保費率並非保證。","zh-hans":"每年续保，保费率并非保证。"}}],"display":{"en":["Renewable / Annual renewal; premium rates are not guaranteed."],"zh-hant":["可續保 / 每年續保，保費率並非保證。"],"zh-hans":["可续保 / 每年续保，保费率并非保证。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/BOC_Life_Standard_VHIS_PB_nonbank_EN.pdf","page":3,"title":"Official product document — Eligibility and plan summary; NBVHISS/L/V04/0125","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Annual renewal to age 100.","zh-hant":"每年續保至 100 歲。","zh-hans":"每年续保至 100 岁。"}},"display":{"en":["Renewable / Annual renewal to age 100."],"zh-hant":["可續保 / 每年續保至 100 歲。"],"zh-hans":["可续保 / 每年续保至 100 岁。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/BOC_Life_Standard_VHIS_PB_nonbank_EN.pdf","page":3,"title":"Official product document — Eligibility and plan summary; NBVHISS/L/V04/0125","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Actual age"],"zh-hant":["出生15日至80歲 / 年齡基準：實際年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：实际年龄"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/BOC_Life_Standard_VHIS_PB_nonbank_EN.pdf","page":3,"title":"Official product document — Eligibility and plan summary; NBVHISS/L/V04/0125","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"display":{"en":["VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。"],"zh-hans":["医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Standard Plan","zh-hant":"標準計劃","zh-hans":"标准计划"}],"display":{"en":["Standard Plan"],"zh-hant":["標準計劃"],"zh-hans":["标准计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — current certified standard plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。","zh-hans":"标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"}],"display":{"en":["Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。"],"zh-hans":["标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00022/S00022-01-000-02-PlanDoc-e.pdf","page":28,"title":"Health Bureau — BOC Life Standard VHIS — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00022/S00022-01-000-02-PlanDoc-e.pdf","page":28,"title":"Health Bureau — BOC Life Standard VHIS — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00022/S00022-01-000-02-PlanDoc-e.pdf","page":12,"title":"Health Bureau — BOC Life Standard VHIS renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.","zh-hant":"非醫療必需的服務費用不受保，亦可能設個別不保項目；完整條款另列其他除外事項及例外情況。","zh-hans":"非医疗必需的服务费用不受保，亦可能设个别不保项目；完整条款另列其他除外责任及例外情况。"}],"display":{"en":["Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions."],"zh-hant":["非醫療必需的服務費用不受保，亦可能設個別不保項目；完整條款另列其他除外事項及例外情況。"],"zh-hans":["非医疗必需的服务费用不受保，亦可能设个别不保项目；完整条款另列其他除外责任及例外情况。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/BOC_Life_Standard_VHIS_PB_nonbank_EN.pdf","page":5,"title":"Official product document — Selected exclusions; NBVHISS/L/V04/0125","date":"2025-01","checkedOn":"2026-10-21"}]}],"ratioSeries":[]},{"slug":"boc-life-smartviva-flexi-vhis","names":{"en":"SmartViva Flexi VHIS","zh-hant":"非凡守護靈活自願醫保","zh-hans":"非凡守护灵活自愿医保"},"nameBasis":"insurer-published","insurerSlug":"boc-group-life-assurance-company-limited","productPaths":["/insurers/boc-group-life-assurance-company-limited/boc-life-smartviva-flexi-vhis/","/zh-hant/insurers/boc-group-life-assurance-company-limited/boc-life-smartviva-flexi-vhis/","/zh-hans/insurers/boc-group-life-assurance-company-limited/boc-life-smartviva-flexi-vhis/"],"insurerPaths":["/insurers/boc-group-life-assurance-company-limited/","/zh-hant/insurers/boc-group-life-assurance-company-limited/","/zh-hans/insurers/boc-group-life-assurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/SmartViva_Flexi_VHIS_PB_BOCHK_EN.pdf","page":7,"title":"Official product document — Eligibility and plan summary; SVVHIS/L/V04/0125/EN","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"premiumTerms","value":[{"kind":"renewable","value":null,"notes":{"en":"Annual renewal; premium rates are not guaranteed.","zh-hant":"每年續保，保費率並非保證。","zh-hans":"每年续保，保费率并非保证。"}}],"display":{"en":["Renewable / Annual renewal; premium rates are not guaranteed."],"zh-hant":["可續保 / 每年續保，保費率並非保證。"],"zh-hans":["可续保 / 每年续保，保费率并非保证。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/SmartViva_Flexi_VHIS_PB_BOCHK_EN.pdf","page":7,"title":"Official product document — Eligibility and plan summary; SVVHIS/L/V04/0125/EN","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Annual renewal for life.","zh-hant":"終身每年續保。","zh-hans":"终身每年续保。"}},"display":{"en":["Renewable / Annual renewal for life."],"zh-hant":["可續保 / 終身每年續保。"],"zh-hans":["可续保 / 终身每年续保。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/SmartViva_Flexi_VHIS_PB_BOCHK_EN.pdf","page":7,"title":"Official product document — Eligibility and plan summary; SVVHIS/L/V04/0125/EN","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"issueAges","value":[{"min":{"value":15,"unit":"days"},"max":{"value":80,"unit":"years"},"basis":"actual","notes":null}],"display":{"en":["15 days to 80 years / Age basis: Actual age"],"zh-hant":["出生15日至80歲 / 年齡基準：實際年齡"],"zh-hans":["出生15日至80岁 / 年龄基准：实际年龄"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/SmartViva_Flexi_VHIS_PB_BOCHK_EN.pdf","page":7,"title":"Official product document — Eligibility and plan summary; SVVHIS/L/V04/0125/EN","date":"2025-01","checkedOn":"2026-10-21"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"HKD0 Deductible: HKD 33,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"0 港元自付費：表列指定保障每保單年度限額 HKD 33,000,000；另設個別保障限額。","zh-hans":"0 港元自付费：表列指定保障每保单年度限额 HKD 33,000,000；另设个别保障限额。"}],"display":{"en":["HKD0 Deductible: HKD 33,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["0 港元自付費：表列指定保障每保單年度限額 HKD 33,000,000；另設個別保障限額。"],"zh-hans":["0 港元自付费：表列指定保障每保单年度限额 HKD 33,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00057/F00057-01-000-02-PlanDoc-e.pdf","page":41,"title":"Health Bureau — SmartViva Flexi VHIS — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"0 港元自付費：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"0 港元自付费：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["HKD0 Deductible: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["0 港元自付費：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["0 港元自付费：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00057/F00057-01-000-02-PlanDoc-e.pdf","page":41,"title":"Health Bureau — SmartViva Flexi VHIS — HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00057/F00057-01-000-02-PlanDoc-e.pdf","page":11,"title":"Health Bureau — SmartViva Flexi VHIS renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions.","zh-hant":"非醫療必需的服務費用不受保，亦可能設個別不保項目；完整條款另列其他除外事項及例外情況。","zh-hans":"非医疗必需的服务费用不受保，亦可能设个别不保项目；完整条款另列其他除外责任及例外情况。"}],"display":{"en":["Non-medically necessary services are excluded. Case-based exclusions may apply; see full terms for other exclusions and exceptions."],"zh-hant":["非醫療必需的服務費用不受保，亦可能設個別不保項目；完整條款另列其他除外事項及例外情況。"],"zh-hans":["非医疗必需的服务费用不受保，亦可能设个别不保项目；完整条款另列其他除外责任及例外情况。"]},"sources":[{"url":"https://www.boclife.com.hk/f/upload/2122/SmartViva_Flexi_VHIS_PB_BOCHK_EN.pdf","page":13,"title":"Official product document — Selected exclusions; SVVHIS/L/V04/0125/EN","date":"2025-01","checkedOn":"2026-10-21"}]}],"ratioSeries":[]}]}