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Bowtie Life Insurance Company Limited — same-insurer plan comparison

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

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項目
Bowtie VHIS Standard
Bowtie VHIS Flexi - Regular
Bowtie VHIS Flexi - Plus
Bowtie Pink VHIS Plan - Ward Room - HKD0 Deductible
Bowtie Pink VHIS Plan - Semi-Private Room - HKD0 Deductible
Bowtie Pink VHIS Plan - Private Room - HKD0 Deductible
Highlights
VHIS cert no.
S00023-01-000-03Benefits PDFPremiums PDF
F00031-01-000-08Benefits PDFPremiums PDF
F00031-02-000-08Benefits PDFPremiums PDF
F00060-09-000-04Benefits PDFPremiums PDF
F00060-10-000-04Benefits PDFPremiums PDF
F00060-11-000-04Benefits PDFPremiums PDF
F00060-12-000-04Benefits PDFPremiums PDF
F00060-01-000-07Benefits PDFPremiums PDF
F00060-02-000-07Benefits PDFPremiums PDF
F00060-03-000-07Benefits PDFPremiums PDF
F00060-04-000-07Benefits PDFPremiums PDF
F00060-05-000-07Benefits PDFPremiums PDF
F00060-06-000-07Benefits PDFPremiums PDF
F00060-07-000-07Benefits PDFPremiums PDF
F00060-08-000-07Benefits PDFPremiums PDF
Plan type
Standard
Flexi
Flexi
Flexi
Flexi
Flexi
Coverage region
Worldwide
Worldwide
Worldwide
Worldwide (excluding United States)
Worldwide (excluding United States)
Worldwide (excluding United States)
Ward
N/A (capped)
Ward
Semi-Private Room
Ward
Semi-Private Room
Standard Private Room
Lifetime limit
—
—
—
Annual limit
Per illness
—
—
—
—
—
—
SMM top-up
—
—
—
—
No-Claim Bonus
—
—
—
—
—
—
Deductible
—
—
—
Version
Dec 29, 2025
Mar 23, 2026
Mar 23, 2026
Mar 23, 2026
Mar 23, 2026
Mar 23, 2026
Basic Benefits Basic
(a) Room and board
$750 per day, maximum 180 days per Policy Year
$1,200 per day
$2,300 per day
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(b) Miscellaneous charges
$14,000 per Policy Year
$18,000 per Policy Year
$26,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(c) Attending doctor's visit fee
$750 per day, maximum 180 days per Policy Year
$960 per day
$2,000 per day
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(d) Specialist's fee
$4,300 per Policy Year
$4,300 per Policy Year
$6,450 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(e) Intensive care
$3,500 per day, maximum 25 days per Policy Year
$3,500 per day, maximum 60 days per Policy Year
$5,500 per day, maximum 60 days per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(f) Surgeon's fee
—
—
—
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
    Surgeon's fee — Minor
$5,000
$ 6,000
$ 9,000
—
—
—
    Surgeon's fee — Intermediate
$12,500
$15,000
$22,500
—
—
—
    Surgeon's fee — Major
$25,000
$31,000
$45,000
—
—
—
    Surgeon's fee — Complex
$50,000
$62,000
$90,000
—
—
—
(g) Anaesthetist's fee
35% of Surgeon's fee payable
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $22,000Major $11,000Intermediate $ 5,300Minor $ 2,100
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(h) Operating theatre charges
35% of Surgeon's fee payable
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $22,000Major $11,000Intermediate $ 5,300Minor $ 2,100
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical ProceduresComplex $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(i) Prescribed Diagnostic Imaging Tests
$20,000 per Policy Year. Subject to 30% Coinsurance.
$26,000 per Policy Year. Subject to 30% Coinsurance.
$40,000 per Policy Year. Subject to 30% Coinsurance.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(j) Prescribed Non-surgical Cancer Treatments
$80,000 per Policy Year
$80,000 per Policy Year
$160,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
(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
$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
$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
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
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
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) Psychiatric treatments
$30,000 per Policy Year
$30,000 per Policy Year
$37,500 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Extra Benefits Extra
Accident-related
Emergency outpatient treatment for Accident
—
$8,000 per Policy Year within 24 hours of the Accident
$8,000 per Policy Year within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Full reimbursement of Eligible Expenses within 24 hours of the Accident
Inpatient-related
Hospital companion bed fee reimbursement
—
$350 per day
$800 per day
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Outpatient-related
Cancer / cardiac / stroke rehabilitation benefit
—
$750, per day, $10,000 per Policy Year• Limited to admissions within 90 days after discharge
$1,500, per day, $20,000 per Policy Year• Limited to admissions within 90 days after discharge
$2,200, per day, $30,000 per Policy Year• Limited to admissions within 90 days after discharge
$2,500, per day, $34,000 per Policy Year• Limited to admissions within 90 days after discharge
$3,000, per day, $40,000 per Policy Year• Limited to admissions within 90 days after discharge
Outpatient kidney dialysis
—
$50,000 per Policy Year
$100,000 per Policy Year
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Hospice and palliative care benefit
—
$20,000 per Policy Year
$40,000 per Policy Year
$100,000 per Policy Year• Limited to admission to a hospice or palliative care facility within the post-discharge window
$100,000 per Policy Year• Limited to admission to a hospice or palliative care facility within the post-discharge window
$120,000 per Policy Year• Limited to admission to a hospice or palliative care facility within the post-discharge window
Daily post-surgery home nursing benefit
—
$500 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
$800 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
$1,300 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
$1,600 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
$2,000 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
Cash Benefits Cash
Day surgery cash benefit
—
$800 per surgery
$1,300 per surgery
$1,300 per surgery
$1,300 per surgery
$1,300 per surgery
Second-claim cash allowance
—
$400 per day, maximum 90 days per Policy Year
$600 per day, maximum 90 days per Policy Year
$600, per day, 90 days per Policy Year
$600, per day, 90 days per Policy Year
$600, per day, 90 days per Policy Year
Event Benefits Event
Medical accident and incident extension benefit
—
$1,000,000 payable upon death of the Insured Person
$1,000,000 payable upon death of the Insured Person
$1,000,000 payable upon death of the Insured Person
$1,000,000 payable upon death of the Insured Person
$1,000,000 payable upon death of the Insured Person
Disability subsidy benefit
—
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$500 per weekUp to 52 weeks
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$800 per weekUp to 52 weeks
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$800 per weekUp to 52 weeks
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$800 per weekUp to 52 weeks
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$800 per weekUp to 52 weeks