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.
Data version: Mar 23, 2026
Plan options
Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$10,908 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$16,800 /yr
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Deductible
HKD 0 deductible
Entry premium (Age 30 any gender)
HK$8,424 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$5,700 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$13,500 /yr
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Deductible
20,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,164 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$4,344 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$7,932 /yr
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Deductible
50,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,856 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$3,744 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$6,960 /yr
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Deductible
80,000 HKD deductible
Entry premium (Age 30 any gender)
HK$2,556 /yr
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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 →- Official benefit schedule
- VHIS.gov.hk benefit schedule PDF
- Schedule effective date
- Mar 23, 2026
- Last verified
- 2026-04-25