Bowtie VHIS Flexi - Regular

保泰自願醫保 - 靈活計劃 - 基本計劃

Bowtie VHIS Flexi - Regular is a VHIS Flexi plan offered by Bowtie Life Insurance Company Limited, with ward class Ward, Worldwide (including United States) coverage and HK$600,000 annual benefit limit. Latest plan-document version: Mar 23, 2026.

VHIS FlexiF00031-01-000-08

Plan at a glance

Ward class: Ward
Coverage region: Worldwide (including United States)
Deductible: —
Annual benefit limit: HK$600,000
Per-illness annual limit: —
Lifetime benefit limit: No overall limit
SMM Supplemental Major Medical: HK$120,000／per policy year, 20% coinsurance

Benefits

Full benefit schedule · grouped by basic / extra / cash / event

Benefit Item	Limit
Basic Benefits
(a) Room and board (a) 病房及膳食	$1,200 per day
(b) Miscellaneous charges (b) 雜項開支	$18,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$960 per day
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 60 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 6,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$15,000
Surgeon's fee — Major 外科醫生費 — 大型	$31,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$62,000
(g) Anaesthetist's fee (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) Operating theatre charges (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) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$26,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care (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) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year
Anaesthetist's fee — Complex (g) 麻醉科醫生費 — 複雜	$22,000
Anaesthetist's fee — Major (g) 麻醉科醫生費 — 大型	$11,000
Anaesthetist's fee — Intermediate (g) 麻醉科醫生費 — 中型	$ 5,300
Anaesthetist's fee — Minor (g) 麻醉科醫生費 — 小型	$ 2,100
Operating theatre charges — Complex (h) 手術室費 — 複雜	$22,000
Operating theatre charges — Major (h) 手術室費 — 大型	$11,000
Operating theatre charges — Intermediate (h) 手術室費 — 中型	$ 5,300
Operating theatre charges — Minor (h) 手術室費 — 小型	$ 2,100
Extra Benefits
Emergency outpatient treatment for Accident 意外急症門診治療	$8,000 per Policy Year within 24 hours of the Accident
Outpatient kidney dialysis 門診腎臟透析	$50,000 per Policy Year
Home nursing 出院後每日家中看護費	$500 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
Rehabilitation benefit 康復治療	$750, per day, $10,000 per Policy Year• Limited to admissions within 90 days after discharge
Hospital companion bed fee reimbursement 住院陪床費	$350 per day
Hospice and palliative care benefit 善終及紓緩治療	$20,000 per Policy Year
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$800 per surgery
Second-claim cash allowanceAfter other pays 第二索償津貼	$400 per day, maximum 90 days per Policy Year
Event Benefits
Medical accident and incident extension benefit 醫療疏忽保障	$1,000,000 payable upon death of the Insured Person
Disability subsidy benefit 完全及永久失去自理能力入息保障	When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$500 per weekUp to 52 weeks

Basic Benefits

(a) Room and board
(a) 病房及膳食
$1,200 per day
(b) Miscellaneous charges
(b) 雜項開支
$18,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$960 per day
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 60 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 6,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$15,000
Surgeon's fee — Major
外科醫生費 — 大型
$31,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$62,000
(g) Anaesthetist's fee
(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) Operating theatre charges
(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) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$26,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(k) Pre- and post-Confinement / Day Case Procedure outpatient care
(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) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year
Anaesthetist's fee — Complex
(g) 麻醉科醫生費 — 複雜
$22,000
Anaesthetist's fee — Major
(g) 麻醉科醫生費 — 大型
$11,000
Anaesthetist's fee — Intermediate
(g) 麻醉科醫生費 — 中型
$ 5,300
Anaesthetist's fee — Minor
(g) 麻醉科醫生費 — 小型
$ 2,100
Operating theatre charges — Complex
(h) 手術室費 — 複雜
$22,000
Operating theatre charges — Major
(h) 手術室費 — 大型
$11,000
Operating theatre charges — Intermediate
(h) 手術室費 — 中型
$ 5,300
Operating theatre charges — Minor
(h) 手術室費 — 小型
$ 2,100

Extra Benefits

Emergency outpatient treatment for Accident
意外急症門診治療
$8,000 per Policy Year within 24 hours of the Accident
Outpatient kidney dialysis
門診腎臟透析
$50,000 per Policy Year
Home nursing
出院後每日家中看護費
$500 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
Rehabilitation benefit
康復治療
$750, per day, $10,000 per Policy Year• Limited to admissions within 90 days after discharge
Hospital companion bed fee reimbursement
住院陪床費
$350 per day
Hospice and palliative care benefit
善終及紓緩治療
$20,000 per Policy Year

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$800 per surgery
Second-claim cash allowanceAfter other pays
第二索償津貼
$400 per day, maximum 90 days per Policy Year

Event Benefits

Medical accident and incident extension benefit
醫療疏忽保障
$1,000,000 payable upon death of the Insured Person
Disability subsidy benefit
完全及永久失去自理能力入息保障
When the Insured Person becomes totally and permanently disabled and unable to perform daily activities$500 per weekUp to 52 weeks

Premium Schedule

Annual premium · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$4,656	HK$4,656	HK$4,512	HK$4,512
1	HK$4,632	HK$4,632	HK$4,308	HK$4,308
2	HK$4,596	HK$4,596	HK$3,948	HK$3,948
3	HK$4,092	HK$4,092	HK$3,552	HK$3,552
4	HK$3,816	HK$3,816	HK$3,240	HK$3,240
5	HK$3,480	HK$3,480	HK$2,940	HK$2,940
6	HK$3,132	HK$3,132	HK$2,652	HK$2,652
7	HK$2,820	HK$2,820	HK$2,520	HK$2,520
8	HK$2,736	HK$2,736	HK$2,424	HK$2,424
9	HK$2,532	HK$2,532	HK$2,304	HK$2,304
10	HK$2,340	HK$2,340	HK$2,220	HK$2,220
11	HK$2,304	HK$2,304	HK$2,220	HK$2,220
12	HK$2,220	HK$2,220	HK$2,220	HK$2,220
13	HK$2,220	HK$2,220	HK$2,292	HK$2,292
14	HK$2,232	HK$2,232	HK$2,364	HK$2,364
15	HK$2,232	HK$2,232	HK$2,508	HK$2,508
16	HK$2,244	HK$2,244	HK$2,604	HK$2,604
17	HK$2,340	HK$2,340	HK$2,700	HK$2,700
18	HK$2,364	HK$2,496	HK$2,736	HK$2,880
19	HK$2,400	HK$2,688	HK$2,760	HK$3,084
20	HK$2,436	HK$2,856	HK$2,784	HK$3,276
21	HK$2,556	HK$2,952	HK$2,952	HK$3,456
22	HK$2,592	HK$3,048	HK$3,024	HK$3,468
23	HK$2,688	HK$3,132	HK$3,132	HK$3,648
24	HK$2,724	HK$3,264	HK$3,276	HK$3,816
25	HK$2,760	HK$3,360	HK$3,408	HK$4,080
26	HK$2,892	HK$3,420	HK$3,636	HK$4,368
27	HK$2,952	HK$3,480	HK$3,936	HK$4,620
28	HK$3,000	HK$3,540	HK$4,092	HK$4,776
29	HK$3,024	HK$3,588	HK$4,164	HK$4,956
30	HK$3,048	HK$3,648	HK$4,452	HK$5,196
31	HK$3,156	HK$3,756	HK$4,488	HK$5,292
32	HK$3,264	HK$3,816	HK$4,596	HK$5,364
33	HK$3,408	HK$3,948	HK$4,620	HK$5,508
34	HK$3,504	HK$4,092	HK$4,644	HK$5,688
35	HK$3,588	HK$4,248	HK$4,668	HK$5,916
36	HK$3,720	HK$4,392	HK$4,860	HK$6,180
37	HK$3,852	HK$4,512	HK$5,124	HK$6,480
38	HK$3,984	HK$4,680	HK$5,340	HK$6,768
39	HK$4,116	HK$4,848	HK$5,508	HK$6,996
40	HK$4,284	HK$5,016	HK$5,676	HK$7,188
41	HK$4,488	HK$5,316	HK$5,844	HK$7,392
42	HK$4,716	HK$5,616	HK$6,024	HK$7,644
43	HK$4,956	HK$5,868	HK$6,216	HK$7,908
44	HK$5,112	HK$6,060	HK$6,468	HK$8,088
45	HK$5,208	HK$6,312	HK$6,780	HK$8,436
46	HK$5,364	HK$6,528	HK$7,164	HK$8,772
47	HK$5,556	HK$6,948	HK$7,416	HK$8,940
48	HK$5,832	HK$7,224	HK$7,740	HK$9,264
49	HK$6,144	HK$7,536	HK$8,076	HK$9,564
50	HK$6,552	HK$7,980	HK$8,100	HK$9,600
51	HK$6,636	HK$8,052	HK$8,124	HK$9,636
52	HK$7,044	HK$8,484	HK$8,148	HK$9,672
53	HK$7,416	HK$8,892	HK$8,172	HK$9,708
54	HK$7,788	HK$9,312	HK$8,196	HK$9,720
55	HK$8,208	HK$9,768	HK$8,376	HK$9,936
56	HK$8,604	HK$10,236	HK$8,616	HK$10,224
57	HK$9,132	HK$10,908	HK$9,012	HK$10,692
58	HK$9,768	HK$11,640	HK$9,384	HK$11,232
59	HK$10,404	HK$12,384	HK$9,852	HK$11,772
60	HK$11,136	HK$13,248	HK$10,500	HK$12,408
61	HK$11,892	HK$14,148	HK$11,112	HK$13,116
62	HK$12,732	HK$15,084	HK$11,784	HK$13,860
63	HK$13,524	HK$16,080	HK$12,552	HK$14,784
64	HK$14,436	HK$17,136	HK$13,392	HK$15,816
65	HK$15,372	HK$18,252	HK$14,376	HK$16,872
66	HK$16,464	HK$19,560	HK$15,432	HK$18,204
67	HK$17,532	HK$20,880	HK$16,560	HK$19,512
68	HK$18,660	HK$22,200	HK$17,700	HK$20,904
69	HK$19,668	HK$23,472	HK$18,756	HK$22,200
70	HK$20,700	HK$24,744	HK$19,836	HK$23,520
71	HK$21,744	HK$26,040	HK$20,928	HK$24,864
72	HK$22,860	HK$27,372	HK$22,068	HK$26,232
73	HK$23,952	HK$28,656	HK$23,196	HK$27,576
74	HK$24,972	HK$29,892	HK$24,276	HK$28,824
75	HK$26,004	HK$31,080	HK$25,368	HK$30,096
76	HK$26,976	HK$32,220	HK$26,400	HK$31,296
77	HK$27,936	HK$33,324	HK$27,408	HK$32,508
78	HK$28,932	HK$34,476	HK$28,464	HK$33,720
79	HK$29,724	HK$35,484	HK$29,304	HK$34,776
80	HK$30,480	HK$36,348	HK$30,156	HK$35,760
81	HK$31,908	HK$37,812	HK$31,800	HK$37,512
82	HK$33,336	HK$39,300	HK$33,444	HK$39,252
83	HK$34,776	HK$40,776	HK$35,088	HK$40,980
84	HK$36,216	HK$42,240	HK$36,720	HK$42,696
85	HK$37,644	HK$43,728	HK$38,364	HK$44,448
86	HK$37,644	HK$43,728	HK$38,364	HK$44,448
87	HK$37,644	HK$43,728	HK$38,364	HK$44,448
88	HK$37,644	HK$43,728	HK$38,364	HK$44,448
89	HK$37,644	HK$43,728	HK$38,364	HK$44,448
90	HK$37,644	HK$43,728	HK$38,364	HK$44,448
91	HK$37,644	HK$43,728	HK$38,364	HK$44,448
92	HK$37,644	HK$43,728	HK$38,364	HK$44,448
93	HK$37,644	HK$43,728	HK$38,364	HK$44,448
94	HK$37,644	HK$43,728	HK$38,364	HK$44,448
95	HK$37,644	HK$43,728	HK$38,364	HK$44,448
96	HK$37,644	HK$43,728	HK$38,364	HK$44,448
97	HK$37,644	HK$43,728	HK$38,364	HK$44,448
98	HK$37,644	HK$43,728	HK$38,364	HK$44,448
99	HK$37,644	HK$43,728	HK$38,364	HK$44,448
100	HK$37,644	HK$43,728	HK$38,364	HK$44,448
101	HK$37,644	HK$43,728	HK$38,364	HK$44,448
102	HK$37,644	HK$43,728	HK$38,364	HK$44,448
103	HK$37,644	HK$43,728	HK$38,364	HK$44,448
104	HK$37,644	HK$43,728	HK$38,364	HK$44,448
105	HK$37,644	HK$43,728	HK$38,364	HK$44,448
106	HK$37,644	HK$43,728	HK$38,364	HK$44,448
107	HK$37,644	HK$43,728	HK$38,364	HK$44,448
108	HK$37,644	HK$43,728	HK$38,364	HK$44,448
109	HK$37,644	HK$43,728	HK$38,364	HK$44,448
110	HK$37,644	HK$43,728	HK$38,364	HK$44,448
111	HK$37,644	HK$43,728	HK$38,364	HK$44,448
112	HK$37,644	HK$43,728	HK$38,364	HK$44,448
113	HK$37,644	HK$43,728	HK$38,364	HK$44,448
114	HK$37,644	HK$43,728	HK$38,364	HK$44,448
115	HK$37,644	HK$43,728	HK$38,364	HK$44,448
116	HK$37,644	HK$43,728	HK$38,364	HK$44,448
117	HK$37,644	HK$43,728	HK$38,364	HK$44,448
118	HK$37,644	HK$43,728	HK$38,364	HK$44,448
119	HK$37,644	HK$43,728	HK$38,364	HK$44,448
120	HK$37,644	HK$43,728	HK$38,364	HK$44,448

Premium history →

How to apply for this plan

This plan is offered by Bowtie Life Insurance Company Limited. To apply, contact Bowtie Life Insurance Company Limited or one of its licensed insurance intermediaries (agents or brokers).
Official plan documents (VHIS website)
Benefit schedule PDF Premium table PDF

This site's licensed insurance agent can only arrange FWD plans.

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Regular

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Plus

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Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Mar 23, 2026
Plan data updated: 2026-04-25

Bowtie VHIS Flexi - Regular

Plan at a glance

Benefits

Premium Schedule

How to apply for this plan

Other deductible options in this series

Terms & Disclaimer / 使用條款及免責聲明

Full terms and disclaimer

1. Applicable Region / 適用地域

2. Purpose / 用途

3. Data Source & Accuracy / 資料來源及準確性

4. Reimbursement Calculator / 賠償試算工具

5. Case-Study Costs / 案例費用

6. Risk & Liability / 風險及責任

7. Consent / 同意條款