TheChoice Medical Insurance

Recorded features: Hospital and surgical expense cover with 12 plan combinations across three regional coverage areas and four annual deductibles.Public source · Checked: 16 Oct 2026Public source · Checked: 16 Oct 2026

Recorded features: Optional outpatient and dental benefits are available; dental cover requires outpatient cover and matching plan level.Public source · Checked: 16 Oct 2026Public source · Checked: 16 Oct 2026

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Select the product, complete the inpatient form and attach the required documents. Confirm the applicable VHIS form with bolttech.Public source · Checked: 13 Oct 2026

Medical / VHIS — Required documents: Published inpatient form: claimant Part I, doctor Part II, ID copies, original receipts, itemised charges and relevant diagnostic reports.Public source · Checked: 13 Oct 2026

Medical / VHIS — Deadlines / notification: Published inpatient form: documents within 90 days of incident; late claims need written explanation. Confirm your plan’s trigger.Public source · Checked: 13 Oct 2026

Medical / VHIS — Submission channels: claims.hk@bolttechinsurance.com or Dorset House, 18/F. Old form: 308 Des Voeux Rd Central, 9/F. Confirm address; see sources.Public source · Checked: 13 Oct 2026Public source · Checked: 13 Oct 2026

Medical / VHIS — Overseas claims / servicing: For Mainland hospitalization, the form lists medical-record cover page, admission record, discharge summary and outpatient booklet.Public source · Checked: 13 Oct 2026

Medical / VHIS — Payment methods: Inpatient form: HKD credit to HK account or policyholder cheque; bank proof unless the premium account is used.Public source · Checked: 13 Oct 2026

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked: 13 Oct 2026

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked: 13 Oct 2026

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked: 13 Oct 2026

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked: 13 Oct 2026