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Bowtie Life Insurance Company Limited — same-insurer plan comparison

Bowtie Life Insurance Company Limited · 6 plan series (15 variants, HKD/USD merged, sorted from basic to comprehensive)

Per-plan benefit prose falls back to Traditional Chinese where the source PDF was not translated.

6/6

Bowtie VHIS Standard

保泰自願醫保 - 標準計劃

Ver. Dec 29, 2025

Score59/100

StandardCat 1Ward: N/ARegion: Worldwide

VHIS Cert. No.: S00023-01-000-03Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$420,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Bowtie VHIS Flexi - Regular

保泰自願醫保 - 靈活計劃 - 基本計劃

Ver. Mar 23, 2026

Score76/100

FlexiCat 1Ward: WardRegion: Worldwide

VHIS Cert. No.: F00031-01-000-08Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$600,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Bowtie VHIS Flexi - Plus

保泰自願醫保 - 靈活計劃 - 升級計劃

Ver. Mar 23, 2026

Score86/100

FlexiCat 1Ward: Semi-Private RoomRegion: Worldwide

VHIS Cert. No.: F00031-02-000-08Benefits PDF Premiums PDF
Lifetime Limit: —
Annual Limit: HK$1,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Bowtie Pink VHIS Plan - Ward Room

保泰粉紅自願醫保計劃 - 普通房

Ver. Mar 23, 2026

Score71/100

FlexiCat 3Ward: WardRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00060-09-000-04Benefits PDF Premiums PDF
F00060-10-000-04Benefits PDF Premiums PDF
F00060-11-000-04Benefits PDF Premiums PDF
F00060-12-000-04Benefits PDF Premiums PDF
Lifetime Limit: HK$40,000,000
Annual Limit: HK$8,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$50K$80K

Bowtie Pink VHIS Plan - Semi-Private Room

保泰粉紅自願醫保計劃 - 半私家房

Ver. Mar 23, 2026

Score88/100

FlexiCat 3Ward: Semi-Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00060-01-000-07Benefits PDF Premiums PDF
F00060-02-000-07Benefits PDF Premiums PDF
F00060-03-000-07Benefits PDF Premiums PDF
F00060-04-000-07Benefits PDF Premiums PDF
Lifetime Limit: HK$50,000,000
Annual Limit: HK$10,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$50K$80K

Bowtie Pink VHIS Plan - Private Room

保泰粉紅自願醫保計劃 - 私家房

Ver. Mar 23, 2026

Score98/100

FlexiCat 3Ward: Standard Private RoomRegion: Worldwide (excluding United States)

VHIS Cert. No.: F00060-05-000-07Benefits PDF Premiums PDF
F00060-06-000-07Benefits PDF Premiums PDF
F00060-07-000-07Benefits PDF Premiums PDF
F00060-08-000-07Benefits PDF Premiums PDF
Lifetime Limit: HK$80,000,000
Annual Limit: HK$20,000,000
Per-illness limit: —
SMM Supplemental Major Medical: —

Deductible Options

$0$20K$50K$80K

計劃名稱

Bowtie VHIS Standard

保泰自願醫保 - 標準計劃

Cat 1

Ver. Dec 29, 2025

VHIS Cert. No.

S00023-01-000-03Benefits PDFPremiums PDF

Coverage Score

59/100

Plan Type

Standard

Coverage region

Worldwide

Ward class

N/A (capped)

Lifetime benefit limit

—

Annual benefit limit

HK$420,000

Per-illness benefit limit

—

SMM Supplemental Major Medical

—

Deductible Options

—

Basic Benefits Basic

(a) Room and board

$750 per day, maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

$750 per day, maximum 180 days per Policy Year

(d) Specialist's fee

$4,300 per Policy Year

(e) Intensive care

$3,500 per day, maximum 25 days per Policy Year

(f) Surgeon's fee

—

(f) Surgeon's fee — Minor

$5,000

(f) Surgeon's fee — Intermediate

$12,500

(f) Surgeon's fee — Major

$25,000

(f) Surgeon's fee — Complex

$50,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable

(h) Operating theatre charges

35% of Surgeon's fee payable

(i) Prescribed Diagnostic Imaging Tests

$20,000 per Policy Year. Subject to 30% Coinsurance.

(j) Prescribed Non-surgical Cancer Treatments

$80,000 per Policy Year

(k) Pre- and post-Confinement / Day Case Procedure outpatient care

$580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure

(l) Psychiatric treatments

$30,000 per Policy Year

Extra Benefits Extra

Emergency outpatient treatment for Accident

—

Outpatient kidney dialysis

—

Daily post-surgery home nursing benefit

—

Cancer / cardiac / stroke rehabilitation benefit

—

Hospital companion bed fee reimbursement

—

Hospice and palliative care benefit

—

Cash Benefits Cash

Day surgery cash benefit

—

Second-claim cash allowance

—

Event Benefits Event

Compassionate death benefit

$8,800

Medical accident and incident extension benefit

—

Disability subsidy benefit

—

計劃 1 / 6

保泰自願醫保 - 標準計劃

Bowtie VHIS Standard

標準Cat 1Ver. Dec 29, 2025保障評分 59/100

VHIS 認可編號: S00023-01-000-03
計劃類別: 標準
保障地域範圍: 全球 Worldwide
病房級別: 不適用（受賠償上限規限）
每年賠償限額: HK$420,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $750 per day, maximum 180 days per Policy Year
(b) 雜項開支: $14,000 per Policy Year
(c) 主診醫生巡房費: $750 per day, maximum 180 days per Policy Year
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 25 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $5,000
(f) 外科醫生費 — 中型: $12,500
(f) 外科醫生費 — 大型: $25,000
(f) 外科醫生費 — 複雜: $50,000
(g) 麻醉科醫生費: 35% of Surgeon's fee payable
(h) 手術室費: 35% of Surgeon's fee payable
(i) 訂明診斷成像檢測: $20,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $580, per visit, $3,000 per Policy Year • Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: —
門診洗腎: —
家中看護: —
復康保障: —
住院陪床: —
善終服務: —

現金保障 Cash

日間手術現金惠益: —
第二索償現金津貼: —

事件保障 Event

恩恤身故賠償: $8,800
醫療意外事故保障: —
傷殘津貼保障: —

計劃 2 / 6

保泰自願醫保 - 靈活計劃 - 基本計劃

Bowtie VHIS Flexi - Regular

靈活Cat 1Ver. Mar 23, 2026保障評分 76/100

VHIS 認可編號: F00031-01-000-08
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 普通病房 Ward
每年賠償限額: HK$600,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $1,200 per day
(b) 雜項開支: $18,000 per Policy Year
(c) 主診醫生巡房費: $960 per day
(d) 專科醫生費: $4,300 per Policy Year
(e) 深切治療: $3,500 per day, maximum 60 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 6,000
(f) 外科醫生費 — 中型: $15,000
(f) 外科醫生費 — 大型: $31,000
(f) 外科醫生費 — 複雜: $62,000
(g) 麻醉科醫生費: Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $22,000Major $11,000Intermediate $ 5,300Minor $ 2,100
(h) 手術室費: Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $22,000Major $11,000Intermediate $ 5,300Minor $ 2,100
(i) 訂明診斷成像檢測: $26,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $80,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $900, per visit, $3,000 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $30,000 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $8,000 per Policy Year
門診洗腎: $50,000 per Policy Year
家中看護: $500 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement
復康保障: $750, per day, $10,000 per Policy Year • Limited to admissions within 90 days after discharge
住院陪床: $350 per day
善終服務: $20,000 per Policy Year

現金保障 Cash

日間手術現金惠益: $800
第二索償現金津貼: $400

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: $1,000,000 payable upon death of the Insured Person
傷殘津貼保障: When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$500 per weekUp to 52 weeks

計劃 3 / 6

保泰自願醫保 - 靈活計劃 - 升級計劃

Bowtie VHIS Flexi - Plus

靈活Cat 1Ver. Mar 23, 2026保障評分 86/100

VHIS 認可編號: F00031-02-000-08
計劃類別: 靈活
保障地域範圍: 全球 Worldwide
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$1,000,000
終身賠償限額: —
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: —

基本保障 Basic

(a) 病房及膳食: $2,300 per day
(b) 雜項開支: $26,000 per Policy Year
(c) 主診醫生巡房費: $2,000 per day
(d) 專科醫生費: $6,450 per Policy Year
(e) 深切治療: $5,500 per day, maximum 60 days per Policy Year
(f) 外科醫生費: —
(f) 外科醫生費 — 小型: $ 9,000
(f) 外科醫生費 — 中型: $22,500
(f) 外科醫生費 — 大型: $45,000
(f) 外科醫生費 — 複雜: $90,000
(g) 麻醉科醫生費: Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(h) 手術室費: Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(i) 訂明診斷成像檢測: $40,000 per Policy Year. Subject to 30% Coinsurance.
(j) 訂明非手術癌症治療: $160,000 per Policy Year
(k) 入院前或出院後／日間手術前後的門診護理: $1,300, per visit, $6,400 per Policy Year • Up to 2 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure • Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: $37,500 per Policy Year

額外保障 Extra

意外急症門診治療費用賠償: $8,000 per Policy Year
門診洗腎: $100,000 per Policy Year
家中看護: $800 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement
復康保障: $1,500, per day, $20,000 per Policy Year • Limited to admissions within 90 days after discharge
住院陪床: $800 per day
善終服務: $40,000 per Policy Year

現金保障 Cash

日間手術現金惠益: $1,300
第二索償現金津貼: $600

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: $1,000,000 payable upon death of the Insured Person
傷殘津貼保障: When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$800 per weekUp to 52 weeks

計劃 4 / 6

保泰粉紅自願醫保計劃 - 普通房

Bowtie Pink VHIS Plan - Ward Room

靈活Cat 3Ver. Mar 23, 2026保障評分 71/100 (42–71)

VHIS 認可編號: F00060-09-000-04F00060-10-000-04F00060-11-000-04F00060-12-000-04
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 普通病房 Ward
每年賠償限額: HK$8,000,000
終身賠償限額: HK$40,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $50K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below: • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

意外急症門診治療費用賠償: Full reimbursement
門診洗腎: Full reimbursement
家中看護: $1,300
復康保障: $2,200
住院陪床: Full reimbursement
善終服務: $100,000

現金保障 Cash

日間手術現金惠益: $1,300
第二索償現金津貼: $600

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: $1,000,000
傷殘津貼保障: $800

計劃 5 / 6

保泰粉紅自願醫保計劃 - 半私家房

Bowtie Pink VHIS Plan - Semi-Private Room

靈活Cat 3Ver. Mar 23, 2026保障評分 88/100 (16–88)

VHIS 認可編號: F00060-01-000-07F00060-02-000-07F00060-03-000-07F00060-04-000-07
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 半私家病房 Semi-Private
每年賠償限額: HK$10,000,000
終身賠償限額: HK$50,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $50K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below: • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

意外急症門診治療費用賠償: Full reimbursement
門診洗腎: Full reimbursement
家中看護: $1,600
復康保障: $2,500
住院陪床: Full reimbursement
善終服務: $100,000

現金保障 Cash

日間手術現金惠益: $1,300
第二索償現金津貼: $600

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: $1,000,000
傷殘津貼保障: $800

計劃 6 / 6

保泰粉紅自願醫保計劃 - 私家房

Bowtie Pink VHIS Plan - Private Room

靈活Cat 3Ver. Mar 23, 2026保障評分 98/100 (17–98)

VHIS 認可編號: F00060-05-000-07F00060-06-000-07F00060-07-000-07F00060-08-000-07
計劃類別: 靈活
保障地域範圍: 全球 (不含美國)
病房級別: 私家病房 Private
每年賠償限額: HK$20,000,000
終身賠償限額: HK$80,000,000
每傷病保障期: —
SMM 額外醫療保障: —
自付費選項: $0 / $20K / $50K / $80K

基本保障 Basic

(a) 病房及膳食: Full reimbursement
(b) 雜項開支: Full reimbursement
(c) 主診醫生巡房費: Full reimbursement
(d) 專科醫生費: Full reimbursement
(e) 深切治療: Full reimbursement
(f) 外科醫生費: Full reimbursement
(f) 外科醫生費 — 小型: —
(f) 外科醫生費 — 中型: —
(f) 外科醫生費 — 大型: —
(f) 外科醫生費 — 複雜: —
(g) 麻醉科醫生費: Full reimbursement
(h) 手術室費: Full reimbursement
(i) 訂明診斷成像檢測: Full reimbursement
(j) 訂明非手術癌症治療: Full reimbursement
(k) 入院前或出院後／日間手術前後的門診護理: Full reimbursement of Eligible Expenses, for the consultations specified below: • Up to 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure • Up to 5 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) 精神科治療: Full reimbursement

額外保障 Extra

意外急症門診治療費用賠償: Full reimbursement
門診洗腎: Full reimbursement
家中看護: $2,000
復康保障: $3,000
住院陪床: Full reimbursement
善終服務: $120,000

現金保障 Cash

日間手術現金惠益: $1,300
第二索償現金津貼: $600

事件保障 Event

恩恤身故賠償: —
醫療意外事故保障: $1,000,000
傷殘津貼保障: $800