BY COMPANY
Bowtie — same-insurer plan comparison
Bowtie Life Insurance Company Limited · 6 plan series · 15 variants
Bowtie Life Insurance Company Limited offers 15 Voluntary Health Insurance Scheme (VHIS) plans in Hong Kong (1 Standard, 14 Flexi), covering Worldwide (including United States) and Worldwide (excluding United States), across Ward, Semi-Private Room, Standard Private Room and No ward-class restriction (item limits apply) ward classes. Premiums, coverage items, deductible tiers and annual limits are compared side-by-side below.
Data version: Mar 23, 2026
保泰自願醫保 - 標準計劃
- VHIS cert no.
- S00023-01-000-03
- Plan Type
- Standard
- Main coverage region
- Worldwide (including United States)
- Ward class
- No ward-class restriction (item limits apply)
- Annual benefit limit
- HK$420,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- —
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$750 per day, maximum 180 days per Policy Year
- (b) 雜項開支
- HK$14,000 per Policy Year
- (c) 主診醫生巡房費
- HK$750 per day, maximum 180 days per Policy Year
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 25 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$5,000
- 外科醫生費 — 中型
- HK$12,500
- 外科醫生費 — 大型
- HK$25,000
- 外科醫生費 — 複雜
- HK$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
- HK$20,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$580 per visit, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- —
- 門診洗腎
- —
- 意外急症門診治療費用賠償
- —
- 住院陪床
- —
- 善終服務
- —
- 家中看護
- —
Cash Benefits
- 日間手術現金惠益
- —
- 第二索償現金津貼
- —
Event Benefits
- 醫療意外事故保障
- —
- 傷殘津貼保障
- —
$750 per day, maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day, maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day, maximum 25 days per Policy Year
$5,000
$12,500
$25,000
$50,000
$20,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
保泰自願醫保 - 靈活計劃 - 基本計劃
- VHIS cert no.
- F00031-01-000-08
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Ward
- Annual benefit limit
- HK$600,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$120,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$1,200 per day
- (b) 雜項開支
- HK$18,000 per Policy Year
- (c) 主診醫生巡房費
- HK$960 per day
- (d) 專科醫生費
- HK$4,300 per Policy Year
- (e) 深切治療
- HK$3,500 per day, maximum 60 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$ 6,000
- 外科醫生費 — 中型
- HK$15,000
- 外科醫生費 — 大型
- HK$31,000
- 外科醫生費 — 複雜
- HK$62,000
- (g) 麻醉科醫生費
- Complex HK$22,000Major HK$11,000Intermediate HK$ 5,300Minor HK$ 2,100
- (h) 手術室費
- Complex HK$22,000Major HK$11,000Intermediate HK$ 5,300Minor HK$ 2,100
- (i) 訂明診斷成像檢測
- HK$26,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$80,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$900 per visit, HK$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
- HK$30,000 per Policy Year
Extra Benefits
- 復康保障
- HK$750 per day, HK$10,000 per Policy YearLimited to admissions within 90 days after discharge
- 門診洗腎
- HK$50,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$8,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$350 per day
- 善終服務
- HK$20,000 per Policy Year
- 家中看護
- HK$500 per dayOnly payable for daily nursing services provided within 180 days after discharge from Confinement
Cash Benefits
- 日間手術現金惠益
- $800
- 第二索償現金津貼
- $400
Event Benefits
- 醫療意外事故保障
- HK$1,000,000 payable upon death of the Insured Person
- 傷殘津貼保障
- HK$500 per weekUp to 52 weeks
No aggregate limit
HK$120,000／per policy year, 20% coinsurance
$1,200 per day
$18,000 per Policy Year
$960 per day
$4,300 per Policy Year
$3,500 per day, maximum 60 days per Policy Year
$ 6,000
$15,000
$31,000
$62,000
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $22,000 • Major $11,000 • Intermediate $ 5,300 • Minor $ 2,100
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $22,000 • Major $11,000 • Intermediate $ 5,300 • Minor $ 2,100
$26,000 per Policy Year. Subject to 30% Coinsurance.
$80,000 per Policy Year
$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
$30,000 per Policy Year
$8,000 per Policy Year within 24 hours of the Accident
$50,000 per Policy Year
$500 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement
$750, per day, $10,000 per Policy Year • Limited to admissions within 90 days after discharge
$350 per day
$20,000 per Policy Year
$800 per surgery
$400 per day, maximum 90 days per Policy Year
$1,000,000 payable upon death of the Insured Person
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities – • $500 per week • Up to 52 weeks
保泰自願醫保 - 靈活計劃 - 升級計劃
- VHIS cert no.
- F00031-02-000-08
- Plan Type
- Flexi
- Main coverage region
- Worldwide (including United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$1,000,000
- Lifetime benefit limit
- No overall limit
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- HK$220,000 · Coinsurance 20% (Per policy year)
- Deductible Options
- —
- Deductible reduction at specified ages
- Not applicable
Basic Benefits
- (a) 病房及膳食
- HK$2,300 per day
- (b) 雜項開支
- HK$26,000 per Policy Year
- (c) 主診醫生巡房費
- HK$2,000 per day
- (d) 專科醫生費
- HK$6,450 per Policy Year
- (e) 深切治療
- HK$5,500 per day, maximum 60 days per Policy Year
- (f) 外科醫生費
- —
- 外科醫生費 — 小型
- HK$ 9,000
- 外科醫生費 — 中型
- HK$22,500
- 外科醫生費 — 大型
- HK$45,000
- 外科醫生費 — 複雜
- HK$90,000
- (g) 麻醉科醫生費
- Complex HK$31,500Major HK$15,800Intermediate HK$ 7,900Minor HK$ 3,200
- (h) 手術室費
- Complex HK$31,500Major HK$15,800Intermediate HK$ 7,900Minor HK$ 3,200
- (i) 訂明診斷成像檢測
- HK$40,000 per Policy YearSubject to Coinsurance: 30%
- (j) 訂明非手術癌症治療
- HK$160,000 per Policy Year
- (k) 入院前或出院後／日間手術前後的門診護理
- HK$1,300 per visit, HK$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
- HK$37,500 per Policy Year
Extra Benefits
- 復康保障
- HK$1,500 per day, HK$20,000 per Policy YearLimited to admissions within 90 days after discharge
- 門診洗腎
- HK$100,000 per Policy Year
- 意外急症門診治療費用賠償
- HK$8,000 per Policy Year within 24 hours of the Accident
- 住院陪床
- HK$800 per day
- 善終服務
- HK$40,000 per Policy Year
- 家中看護
- HK$800 per dayOnly payable for daily nursing services provided within 180 days after discharge from Confinement
Cash Benefits
- 日間手術現金惠益
- $1,300
- 第二索償現金津貼
- $600
Event Benefits
- 醫療意外事故保障
- HK$1,000,000 payable upon death of the Insured Person
- 傷殘津貼保障
- HK$800 per weekUp to 52 weeks
No aggregate limit
HK$220,000／per policy year, 20% coinsurance
$2,300 per day
$26,000 per Policy Year
$2,000 per day
$6,450 per Policy Year
$5,500 per day, maximum 60 days per Policy Year
$ 9,000
$22,500
$45,000
$90,000
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $31,500 • Major $15,800 • Intermediate $ 7,900 • Minor $ 3,200
Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures – • Complex $31,500 • Major $15,800 • Intermediate $ 7,900 • Minor $ 3,200
$40,000 per Policy Year. Subject to 30% Coinsurance.
$160,000 per Policy Year
$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
$37,500 per Policy Year
$8,000 per Policy Year within 24 hours of the Accident
$100,000 per Policy Year
$800 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement
$1,500, per day, $20,000 per Policy Year • Limited to admissions within 90 days after discharge
$800 per day
$40,000 per Policy Year
$1,300 per surgery
$600 per day, maximum 90 days per Policy Year
$1,000,000 payable upon death of the Insured Person
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities – • $800 per week • Up to 52 weeks
保泰粉紅自願醫保計劃 - 普通房
- VHIS cert no.
- F00060-09-000-04F00060-10-000-04F00060-11-000-04F00060-12-000-04
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Ward
- Annual benefit limit
- HK$8,000,000
- Lifetime benefit limit
- HK$40,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $20K / $50K / $80K
- Deductible reduction at specified ages
- 55, 60, 65, 70, 75, 80 years Once per lifetime · no fresh underwriting 2 continuous policy years required Application required
Basic Benefits
- (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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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 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
Extra Benefits
- 復康保障
- $2,200
- 門診洗腎
- Full reimbursement
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 善終服務
- $100,000
- 家中看護
- $1,300
Cash Benefits
- 日間手術現金惠益
- $1,300
- 第二索償現金津貼
- $600
Event Benefits
- 醫療意外事故保障
- $1,000,000
- 傷殘津貼保障
- $800
Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday, subject to available deductible options. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
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
Full reimbursement of Eligible Expenses
$1,300 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
$2,200, per day, $30,000 per Policy Year • Limited to admissions within 90 days after discharge
Full reimbursement of Eligible Expenses
$100,000 per Policy Year • Limited to admission to a hospice or palliative care facility within the post-discharge window
$1,300 per surgery
$600, per day, 90 days per Policy Year
$1,000,000 payable upon death of the Insured Person
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities – • $800 per week • Up to 52 weeks
保泰粉紅自願醫保計劃 - 半私家房
- VHIS cert no.
- F00060-01-000-07F00060-02-000-07F00060-03-000-07F00060-04-000-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Semi-Private Room
- Annual benefit limit
- HK$10,000,000
- Lifetime benefit limit
- HK$50,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $20K / $50K / $80K
- Deductible reduction at specified ages
- 55, 60, 65, 70, 75, 80 years Once per lifetime · no fresh underwriting 2 continuous policy years required Application required
Basic Benefits
- (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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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 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
Extra Benefits
- 復康保障
- $2,500
- 門診洗腎
- Full reimbursement
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 善終服務
- $100,000
- 家中看護
- $1,600
Cash Benefits
- 日間手術現金惠益
- $1,300
- 第二索償現金津貼
- $600
Event Benefits
- 醫療意外事故保障
- $1,000,000
- 傷殘津貼保障
- $800
Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday, subject to available deductible options. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
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
Full reimbursement of Eligible Expenses
$1,600 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
$2,500, per day, $34,000 per Policy Year • Limited to admissions within 90 days after discharge
Full reimbursement of Eligible Expenses
$100,000 per Policy Year • Limited to admission to a hospice or palliative care facility within the post-discharge window
$1,300 per surgery
$600, per day, 90 days per Policy Year
$1,000,000 payable upon death of the Insured Person
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities – • $800 per week • Up to 52 weeks
保泰粉紅自願醫保計劃 - 私家房
- VHIS cert no.
- F00060-05-000-07F00060-06-000-07F00060-07-000-07F00060-08-000-07
- Plan Type
- Flexi
- Main coverage region
- Worldwide (excluding United States)
- Ward class
- Standard Private Room
- Annual benefit limit
- HK$20,000,000
- Lifetime benefit limit
- HK$80,000,000
- 每傷病保障期
- Not listed
- SMM Supplemental Major Medical
- Not listed
- Deductible Options
- $0 / $20K / $50K / $80K
- Deductible reduction at specified ages
- 55, 60, 65, 70, 75, 80 years Once per lifetime · no fresh underwriting 2 continuous policy years required Application required
Basic Benefits
- (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
- 外科醫生費 — 小型
- —
- 外科醫生費 — 中型
- —
- 外科醫生費 — 大型
- —
- 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 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
Extra Benefits
- 復康保障
- $3,000
- 門診洗腎
- Full reimbursement
- 意外急症門診治療費用賠償
- Full reimbursementof Eligible Expenses within 24 hours of the Accident
- 住院陪床
- Full reimbursement
- 善終服務
- $120,000
- 家中看護
- $2,000
Cash Benefits
- 日間手術現金惠益
- $1,300
- 第二索償現金津貼
- $600
Event Benefits
- 醫療意外事故保障
- $1,000,000
- 傷殘津貼保障
- $800
Once per lifetime · no fresh underwriting Continuous cover for 2 policy years required. Apply at least 30 days before renewal on or following the birthday, subject to available deductible options. Application required; not an automatic reduction. Premiums are recalculated at the applicable rates.
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
Full reimbursement of Eligible Expenses
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
Full reimbursement of Eligible Expenses
$2,000 per day • Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
$3,000, per day, $40,000 per Policy Year • Limited to admissions within 90 days after discharge
Full reimbursement of Eligible Expenses
$120,000 per Policy Year • Limited to admission to a hospice or palliative care facility within the post-discharge window
$1,300 per surgery
$600, per day, 90 days per Policy Year
$1,000,000 payable upon death of the Insured Person
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities – • $800 per week • Up to 52 weeks
“No overall limit”: individual items still have limits. “—”: the item does not apply to that plan, or the benefit schedule does not list it separately (e.g. it is split by surgery category); this does not necessarily mean it is never paid. “Not listed”: we could not confirm it from the plan documents.