VHIS Flexi · F00031-02-000-08

Bowtie VHIS Flexi - Plus

保泰自願醫保 - 靈活計劃 - 升級計劃

Bowtie Life Insurance Company Limited

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Your premium

HK$5,436 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide

Deductible

—

Annual benefit limit

HK$1,000,000

Per-illness annual limit

—

Lifetime benefit limit

No cap

SMM Supplemental Major Medical

HK$220,000／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	$2,300 per day
(b) Miscellaneous charges (b) 雜項開支	$26,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$2,000 per day
(d) Specialist's fee (d) 專科醫生費	$6,450 per Policy Year
(e) Intensive care (e) 深切治療	$5,500 per day, maximum 60 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$ 9,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$22,500
Surgeon's fee — Major 外科醫生費 — 大型	$45,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$90,000
(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 $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(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 $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$160,000 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	$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) Psychiatric treatments (l) 精神科治療	$37,500 per Policy Year
Anaesthetist's fee — Complex (g) 麻醉科醫生費 — 複雜	$31,500
Anaesthetist's fee — Major (g) 麻醉科醫生費 — 大型	$15,800
Anaesthetist's fee — Intermediate (g) 麻醉科醫生費 — 中型	$ 7,900
Anaesthetist's fee — Minor (g) 麻醉科醫生費 — 小型	$ 3,200
Operating theatre charges — Complex (h) 手術室費 — 複雜	$31,500
Operating theatre charges — Major (h) 手術室費 — 大型	$15,800
Operating theatre charges — Intermediate (h) 手術室費 — 中型	$ 7,900
Operating theatre charges — Minor (h) 手術室費 — 小型	$ 3,200
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	$100,000 per Policy Year
Daily post-surgery home nursing benefit 出院後每日家中看護費	$800 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$1,500, per day, $20,000 per Policy Year• Limited to admissions within 90 days after discharge
Hospital companion bed fee reimbursement 住院陪床費	$800 per day
Hospice and palliative care benefit 善終及紓緩治療	$40,000 per Policy Year
Cash Benefits
Day surgery cash benefit 日間手術現金保障	$1,300 per surgery
Second-claim cash allowanceAfter other pays 第二索償津貼	$600 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$800 per weekUp to 52 weeks

Basic Benefits

(a) Room and board
(a) 病房及膳食
$2,300 per day
(b) Miscellaneous charges
(b) 雜項開支
$26,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$2,000 per day
(d) Specialist's fee
(d) 專科醫生費
$6,450 per Policy Year
(e) Intensive care
(e) 深切治療
$5,500 per day, maximum 60 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$ 9,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$22,500
Surgeon's fee — Major
外科醫生費 — 大型
$45,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$90,000
(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 $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(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 $31,500Major $15,800Intermediate $ 7,900Minor $ 3,200
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$40,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$160,000 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
$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) Psychiatric treatments
(l) 精神科治療
$37,500 per Policy Year
Anaesthetist's fee — Complex
(g) 麻醉科醫生費 — 複雜
$31,500
Anaesthetist's fee — Major
(g) 麻醉科醫生費 — 大型
$15,800
Anaesthetist's fee — Intermediate
(g) 麻醉科醫生費 — 中型
$ 7,900
Anaesthetist's fee — Minor
(g) 麻醉科醫生費 — 小型
$ 3,200
Operating theatre charges — Complex
(h) 手術室費 — 複雜
$31,500
Operating theatre charges — Major
(h) 手術室費 — 大型
$15,800
Operating theatre charges — Intermediate
(h) 手術室費 — 中型
$ 7,900
Operating theatre charges — Minor
(h) 手術室費 — 小型
$ 3,200

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
$100,000 per Policy Year
Daily post-surgery home nursing benefit
出院後每日家中看護費
$800 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$1,500, per day, $20,000 per Policy Year• Limited to admissions within 90 days after discharge
Hospital companion bed fee reimbursement
住院陪床費
$800 per day
Hospice and palliative care benefit
善終及紓緩治療
$40,000 per Policy Year

Cash Benefits

Day surgery cash benefit
日間手術現金保障
$1,300 per surgery
Second-claim cash allowanceAfter other pays
第二索償津貼
$600 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$800 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$8,868	HK$8,868	HK$8,160	HK$8,160
1	HK$8,868	HK$8,868	HK$7,812	HK$7,812
2	HK$8,652	HK$8,652	HK$7,116	HK$7,116
3	HK$7,740	HK$7,740	HK$6,372	HK$6,372
4	HK$7,284	HK$7,284	HK$5,844	HK$5,844
5	HK$6,576	HK$6,576	HK$5,280	HK$5,280
6	HK$5,856	HK$5,856	HK$4,680	HK$4,680
7	HK$5,208	HK$5,208	HK$4,440	HK$4,440
8	HK$5,028	HK$5,028	HK$4,224	HK$4,224
9	HK$4,608	HK$4,608	HK$3,960	HK$3,960
10	HK$4,200	HK$4,200	HK$3,756	HK$3,756
11	HK$4,092	HK$4,092	HK$3,768	HK$3,768
12	HK$3,828	HK$3,828	HK$3,780	HK$3,780
13	HK$3,780	HK$3,780	HK$3,792	HK$3,792
14	HK$3,756	HK$3,756	HK$3,960	HK$3,960
15	HK$3,744	HK$3,744	HK$4,128	HK$4,128
16	HK$3,804	HK$3,804	HK$4,284	HK$4,284
17	HK$3,948	HK$3,948	HK$4,416	HK$4,416
18	HK$3,984	HK$4,212	HK$4,428	HK$4,668
19	HK$4,020	HK$4,524	HK$4,440	HK$4,968
20	HK$4,104	HK$4,812	HK$4,512	HK$5,280
21	HK$4,380	HK$5,136	HK$4,632	HK$5,436
22	HK$4,512	HK$5,280	HK$4,776	HK$5,484
23	HK$4,692	HK$5,544	HK$4,968	HK$5,808
24	HK$4,812	HK$5,844	HK$5,184	HK$6,120
25	HK$4,932	HK$5,892	HK$5,460	HK$6,516
26	HK$5,112	HK$6,036	HK$5,832	HK$6,960
27	HK$5,160	HK$6,120	HK$6,180	HK$7,248
28	HK$5,268	HK$6,192	HK$6,432	HK$7,524
29	HK$5,316	HK$6,264	HK$6,612	HK$7,812
30	HK$5,436	HK$6,408	HK$7,068	HK$8,304
31	HK$5,652	HK$6,660	HK$7,176	HK$8,436
32	HK$5,856	HK$6,888	HK$7,296	HK$8,604
33	HK$6,072	HK$7,176	HK$7,392	HK$8,808
34	HK$6,312	HK$7,416	HK$7,452	HK$9,096
35	HK$6,396	HK$7,692	HK$7,572	HK$9,456
36	HK$6,780	HK$7,980	HK$7,896	HK$9,852
37	HK$7,008	HK$8,268	HK$8,304	HK$10,356
38	HK$7,272	HK$8,556	HK$8,664	HK$10,848
39	HK$7,512	HK$8,844	HK$8,964	HK$11,172
40	HK$7,764	HK$9,168	HK$9,228	HK$11,460
41	HK$8,244	HK$9,732	HK$9,504	HK$11,832
42	HK$8,736	HK$10,296	HK$9,792	HK$12,228
43	HK$9,144	HK$10,764	HK$10,128	HK$12,648
44	HK$9,336	HK$11,124	HK$10,392	HK$12,948
45	HK$9,528	HK$11,520	HK$11,112	HK$13,548
46	HK$9,852	HK$11,940	HK$11,688	HK$14,124
47	HK$10,536	HK$12,708	HK$12,048	HK$14,388
48	HK$11,040	HK$13,260	HK$12,480	HK$14,904
49	HK$11,640	HK$13,800	HK$12,996	HK$15,408
50	HK$12,324	HK$14,580	HK$13,056	HK$15,444
51	HK$12,408	HK$14,640	HK$13,116	HK$15,480
52	HK$13,068	HK$15,384	HK$13,176	HK$15,516
53	HK$13,704	HK$16,116	HK$13,236	HK$15,552
54	HK$14,400	HK$16,884	HK$13,272	HK$15,576
55	HK$15,084	HK$17,700	HK$13,620	HK$16,008
56	HK$15,828	HK$18,540	HK$14,052	HK$16,476
57	HK$16,848	HK$19,836	HK$14,784	HK$17,316
58	HK$17,964	HK$21,108	HK$15,540	HK$18,204
59	HK$19,128	HK$22,428	HK$16,308	HK$19,128
60	HK$20,580	HK$24,144	HK$17,352	HK$20,364
61	HK$21,912	HK$25,704	HK$18,300	HK$21,504
62	HK$23,196	HK$27,264	HK$19,224	HK$22,644
63	HK$24,432	HK$28,644	HK$20,268	HK$23,796
64	HK$25,596	HK$29,904	HK$21,264	HK$24,888
65	HK$26,772	HK$31,332	HK$22,368	HK$26,208
66	HK$27,936	HK$32,712	HK$23,376	HK$27,456
67	HK$29,088	HK$34,128	HK$24,468	HK$28,728
68	HK$30,204	HK$35,436	HK$25,452	HK$29,940
69	HK$31,356	HK$36,828	HK$26,484	HK$31,236
70	HK$32,748	HK$38,460	HK$27,744	HK$32,760
71	HK$34,092	HK$40,020	HK$28,968	HK$34,224
72	HK$35,424	HK$41,568	HK$30,240	HK$35,700
73	HK$36,888	HK$43,344	HK$31,632	HK$37,332
74	HK$38,412	HK$45,120	HK$33,072	HK$39,072
75	HK$39,960	HK$46,812	HK$34,548	HK$40,776
76	HK$41,376	HK$48,468	HK$35,916	HK$42,396
77	HK$42,816	HK$50,136	HK$37,332	HK$44,040
78	HK$44,184	HK$51,744	HK$38,712	HK$45,636
79	HK$45,612	HK$53,352	HK$40,092	HK$47,280
80	HK$47,088	HK$54,996	HK$41,628	HK$48,972
81	HK$49,488	HK$57,600	HK$44,052	HK$51,660
82	HK$51,888	HK$60,180	HK$46,464	HK$54,348
83	HK$54,312	HK$62,772	HK$48,888	HK$57,024
84	HK$56,712	HK$65,364	HK$51,312	HK$59,736
85	HK$59,112	HK$67,968	HK$53,724	HK$62,412
86	HK$59,112	HK$67,968	HK$53,724	HK$62,412
87	HK$59,112	HK$67,968	HK$53,724	HK$62,412
88	HK$59,112	HK$67,968	HK$53,724	HK$62,412
89	HK$59,112	HK$67,968	HK$53,724	HK$62,412
90	HK$59,112	HK$67,968	HK$53,724	HK$62,412
91	HK$59,112	HK$67,968	HK$53,724	HK$62,412
92	HK$59,112	HK$67,968	HK$53,724	HK$62,412
93	HK$59,112	HK$67,968	HK$53,724	HK$62,412
94	HK$59,112	HK$67,968	HK$53,724	HK$62,412
95	HK$59,112	HK$67,968	HK$53,724	HK$62,412
96	HK$59,112	HK$67,968	HK$53,724	HK$62,412
97	HK$59,112	HK$67,968	HK$53,724	HK$62,412
98	HK$59,112	HK$67,968	HK$53,724	HK$62,412
99	HK$59,112	HK$67,968	HK$53,724	HK$62,412
100	HK$59,112	HK$67,968	HK$53,724	HK$62,412
101	HK$59,112	HK$67,968	HK$53,724	HK$62,412
102	HK$59,112	HK$67,968	HK$53,724	HK$62,412
103	HK$59,112	HK$67,968	HK$53,724	HK$62,412
104	HK$59,112	HK$67,968	HK$53,724	HK$62,412
105	HK$59,112	HK$67,968	HK$53,724	HK$62,412
106	HK$59,112	HK$67,968	HK$53,724	HK$62,412
107	HK$59,112	HK$67,968	HK$53,724	HK$62,412
108	HK$59,112	HK$67,968	HK$53,724	HK$62,412
109	HK$59,112	HK$67,968	HK$53,724	HK$62,412
110	HK$59,112	HK$67,968	HK$53,724	HK$62,412
111	HK$59,112	HK$67,968	HK$53,724	HK$62,412
112	HK$59,112	HK$67,968	HK$53,724	HK$62,412
113	HK$59,112	HK$67,968	HK$53,724	HK$62,412
114	HK$59,112	HK$67,968	HK$53,724	HK$62,412
115	HK$59,112	HK$67,968	HK$53,724	HK$62,412
116	HK$59,112	HK$67,968	HK$53,724	HK$62,412
117	HK$59,112	HK$67,968	HK$53,724	HK$62,412
118	HK$59,112	HK$67,968	HK$53,724	HK$62,412
119	HK$59,112	HK$67,968	HK$53,724	HK$62,412
120	HK$59,112	HK$67,968	HK$53,724	HK$62,412

Other deductible options in this series

2 deductibles — same benefit schedule, premium scales with deductible

Regular

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Plus

Current page

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

Terms and premiums on this page reflect the latest documents published by each insurer and the Insurance Authority's VHIS platform. In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.