Bowtie Pink VHIS Plan is a VHIS Flexi plan offered by Bowtie Life Insurance Company Limited, with ward class Semi-Private Room, Worldwide (excluding United States) coverage and HK$10,000,000 annual benefit limit. Latest plan-document version: Mar 23, 2026.
Plan options
12 options — premiums differ; deductible, ward class or cover may also differPlan option
Semi-Private Room - HKD0 Deductible
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,908 /yr
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Plan option
Private Room - HKD0 Deductible
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,800 /yr
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Plan option
Ward Room - HKD0 Deductible
Deductible HKD 0 deductible
Entry premium (Age 30 any gender)
HK$8,424 /yr
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Plan option
Semi-Private Room - HKD20,000 Deductible
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,700 /yr
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Plan option
Private Room - HKD20,000 Deductible
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$13,500 /yr
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Plan option
Ward Room - HKD20,000 Deductible
Deductible 20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,164 /yr
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Plan option
Semi-Private Room - HKD50,000 Deductible
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,344 /yr
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Plan option
Private Room - HKD50,000 Deductible
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,932 /yr
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Plan option
Ward Room - HKD50,000 Deductible
Deductible 50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,856 /yr
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Plan option
Semi-Private Room - HKD80,000 Deductible
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,744 /yr
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Plan option
Private Room - HKD80,000 Deductible
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,960 /yr
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Plan option
Ward Room - HKD80,000 Deductible
Deductible 80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,556 /yr
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Premiums by age
Yearly premium of every option by age and sex| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$9,216 | HK$7,824 | HK$8,604 | HK$10,908 | HK$14,112 | HK$21,588 | HK$33,996 | HK$54,828 | HK$88,464 |
| Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$14,184 | HK$12,036 | HK$13,224 | HK$16,800 | HK$21,708 | HK$33,168 | HK$52,284 | HK$84,348 | HK$136,092 |
| Ward Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$6,360 | HK$5,988 | HK$6,348 | HK$8,424 | HK$10,560 | HK$15,420 | HK$25,320 | HK$47,208 | HK$73,860 |
| Semi-Private Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$3,948 | HK$3,360 | HK$3,696 | HK$5,700 | HK$6,924 | HK$10,380 | HK$17,220 | HK$31,488 | HK$50,820 |
| Private Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$9,900 | HK$8,028 | HK$8,796 | HK$13,500 | HK$15,444 | HK$23,064 | HK$36,936 | HK$65,172 | HK$106,884 |
| Ward Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$3,120 | HK$2,940 | HK$3,276 | HK$4,164 | HK$5,784 | HK$9,048 | HK$15,288 | HK$24,660 | HK$39,780 |
| Semi-Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$3,684 | HK$3,108 | HK$3,432 | HK$4,344 | HK$5,256 | HK$8,868 | HK$13,944 | HK$25,032 | HK$41,016 |
| Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$6,600 | HK$5,736 | HK$6,348 | HK$7,932 | HK$8,700 | HK$15,192 | HK$23,076 | HK$40,008 | HK$66,576 |
| Ward Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$1,956 | HK$1,884 | HK$2,268 | HK$2,856 | HK$3,636 | HK$5,640 | HK$10,224 | HK$18,168 | HK$27,972 |
| Semi-Private Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$3,216 | HK$2,760 | HK$3,036 | HK$3,744 | HK$4,632 | HK$7,764 | HK$12,312 | HK$20,160 | HK$32,520 |
| Private Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$5,868 | HK$5,124 | HK$5,640 | HK$6,960 | HK$7,776 | HK$13,380 | HK$20,556 | HK$36,420 | HK$53,172 |
| Ward Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$1,764 | HK$1,692 | HK$2,088 | HK$2,556 | HK$3,420 | HK$5,148 | HK$9,348 | HK$16,380 | HK$25,068 |
| Plan option | Age 0 | Age 10 | Age 20 | Age 30 | Age 40 | Age 50 | Age 60 | Age 70 | Age 80 |
|---|---|---|---|---|---|---|---|---|---|
| Semi-Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$9,216 | HK$7,824 | HK$8,604 | HK$10,908 | HK$14,112 | HK$21,588 | HK$33,996 | HK$54,828 | HK$88,464 |
| Private Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$14,184 | HK$12,036 | HK$13,224 | HK$16,800 | HK$21,708 | HK$33,168 | HK$52,284 | HK$84,348 | HK$136,092 |
| Ward Room - HKD0 DeductibleDeductible HKD 0 deductible | HK$6,360 | HK$5,988 | HK$6,348 | HK$8,424 | HK$10,560 | HK$15,420 | HK$25,320 | HK$47,208 | HK$73,860 |
| Semi-Private Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$3,948 | HK$3,360 | HK$3,696 | HK$5,700 | HK$6,924 | HK$10,380 | HK$17,220 | HK$31,488 | HK$50,820 |
| Private Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$9,900 | HK$8,028 | HK$8,796 | HK$13,500 | HK$15,444 | HK$23,064 | HK$36,936 | HK$65,172 | HK$106,884 |
| Ward Room - HKD20,000 DeductibleDeductible 20,000 HKD deductible | HK$3,120 | HK$2,940 | HK$3,276 | HK$4,164 | HK$5,784 | HK$9,048 | HK$15,288 | HK$24,660 | HK$39,780 |
| Semi-Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$3,684 | HK$3,108 | HK$3,432 | HK$4,344 | HK$5,256 | HK$8,868 | HK$13,944 | HK$25,032 | HK$41,016 |
| Private Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$6,600 | HK$5,736 | HK$6,348 | HK$7,932 | HK$8,700 | HK$15,192 | HK$23,076 | HK$40,008 | HK$66,576 |
| Ward Room - HKD50,000 DeductibleDeductible 50,000 HKD deductible | HK$1,956 | HK$1,884 | HK$2,268 | HK$2,856 | HK$3,636 | HK$5,640 | HK$10,224 | HK$18,168 | HK$27,972 |
| Semi-Private Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$3,216 | HK$2,760 | HK$3,036 | HK$3,744 | HK$4,632 | HK$7,764 | HK$12,312 | HK$20,160 | HK$32,520 |
| Private Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$5,868 | HK$5,124 | HK$5,640 | HK$6,960 | HK$7,776 | HK$13,380 | HK$20,556 | HK$36,420 | HK$53,172 |
| Ward Room - HKD80,000 DeductibleDeductible 80,000 HKD deductible | HK$1,764 | HK$1,692 | HK$2,088 | HK$2,556 | HK$3,420 | HK$5,148 | HK$9,348 | HK$16,380 | HK$25,068 |
Why so many deductible options?
The deductible is a fixed amount the insured must pay out-of-pocket each policy year before the insurer reimburses anything. The insurer only pays the portion above the deductible. A single VHIS-certified plan can offer multiple deductible levels — a higher deductible means a lower premium; a lower deductible means faster payouts but a higher premium. Which level fits depends on your cash buffer, any MPF/employer medical top-up, and whether you intend to stay in a private or semi-private ward.
Deductibles FAQ →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)
This site's licensed insurance agent can only arrange FWD plans.
- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Mar 23, 2026
- Plan data updated
- 2026-04-25