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Bowtie Pink VHIS Plan - Ward Room - HKD80,000 Deductible
保泰粉紅自願醫保計劃 - 普通房 - 80,000港元自付費
Bowtie Life Insurance Company Limited
Bowtie Pink VHIS Plan - Ward Room - HKD80,000 Deductible is a VHIS Flexi plan offered by Bowtie Life Insurance Company Limited, with ward class Ward, Worldwide (excluding United States) coverage, HK$8,000,000 annual benefit limit and HK$80,000 deductible. Latest plan-document version: Mar 23, 2026.
Your premium
HK$2,556 /yr
age
HK$Plan at a glance
- Ward class
- Ward
- Coverage region
- Worldwide (excluding United States)
- Deductible
- HK$80,000
- Annual benefit limit
- HK$8,000,000
- Per-illness annual limit
- —
- Lifetime benefit limit
- HK$40,000,000
- SMM Supplemental Major Medical
- —
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 | Full reimbursement of Eligible ExpensesR&C |
(b) Miscellaneous charges (b) 雜項開支 | Full reimbursement of Eligible ExpensesR&C |
(c) Attending doctor's visit fee (c) 主診醫生巡房費 | Full reimbursement of Eligible ExpensesR&C |
(d) Specialist's fee (d) 專科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(e) Intensive care (e) 深切治療 | Full reimbursement of Eligible ExpensesR&C |
(f) Surgeon's fee (f) 外科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(g) Anaesthetist's fee (g) 麻醉科醫生費 | Full reimbursement of Eligible ExpensesR&C |
(h) Operating theatre charges (h) 手術室費 | Full reimbursement of Eligible ExpensesR&C |
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測 | Full reimbursement of Eligible ExpensesR&C |
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療 | Full reimbursement of Eligible ExpensesR&C |
(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 | 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 ProcedureR&C |
(l) Psychiatric treatments (l) 精神科治療 | Full reimbursement of Eligible ExpensesR&C |
| Extra Benefits | |
Emergency outpatient treatment for Accident 意外急症門診治療 | Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C |
Outpatient kidney dialysis 門診腎臟透析 | Full reimbursement of Eligible ExpensesR&C |
Home nursing 出院後 / 日間手術後每日家中看護費 | $1,300 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure |
Rehabilitation benefit 康復治療 | $2,200, per day, $30,000 per Policy Year• Limited to admissions within 90 days after discharge |
Hospital companion bed fee reimbursement 住院陪床費 | Full reimbursement of Eligible ExpensesR&C |
Hospice and palliative care benefit 善終及紓緩治療 | $100,000 per Policy Year• Limited to admission to a hospice or palliative care facility within the post-discharge window |
| 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, 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Full reimbursement of Eligible ExpensesR&C
- (b) Miscellaneous charges(b) 雜項開支Full reimbursement of Eligible ExpensesR&C
- (c) Attending doctor's visit fee(c) 主診醫生巡房費Full reimbursement of Eligible ExpensesR&C
- (d) Specialist's fee(d) 專科醫生費Full reimbursement of Eligible ExpensesR&C
- (e) Intensive care(e) 深切治療Full reimbursement of Eligible ExpensesR&C
- (f) Surgeon's fee(f) 外科醫生費Full reimbursement of Eligible ExpensesR&C
- (g) Anaesthetist's fee(g) 麻醉科醫生費Full reimbursement of Eligible ExpensesR&C
- (h) Operating theatre charges(h) 手術室費Full reimbursement of Eligible ExpensesR&C
- (i) Prescribed Diagnostic Imaging Tests(i) 訂明診斷成像檢測Full reimbursement of Eligible ExpensesR&C
- (j) Prescribed Non-surgical Cancer Treatments(j) 訂明非手術癌症治療Full reimbursement of Eligible ExpensesR&C
- (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 ProcedureR&C
- (l) Psychiatric treatments(l) 精神科治療Full reimbursement of Eligible ExpensesR&C
Extra Benefits
- Emergency outpatient treatment for Accident意外急症門診治療Full reimbursement of Eligible Expenses within 24 hours of the AccidentR&C
- Outpatient kidney dialysis門診腎臟透析Full reimbursement of Eligible ExpensesR&C
- Home nursing出院後 / 日間手術後每日家中看護費$1,300 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
- Rehabilitation benefit康復治療$2,200, per day, $30,000 per Policy Year• Limited to admissions within 90 days after discharge
- Hospital companion bed fee reimbursement住院陪床費Full reimbursement of Eligible ExpensesR&C
- Hospice and palliative care benefit善終及紓緩治療$100,000 per Policy Year• Limited to admission to a hospice or palliative care facility within the post-discharge window
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, 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 · Single rate (gender / smoking agnostic) · HKD
| Age | Premium |
|---|---|
| 0 | HK$1,764 |
| 5 | HK$1,656 |
| 10 | HK$1,692 |
| 15 | HK$1,944 |
| 20 | HK$2,088 |
| 25 | HK$2,304 |
| 30 | HK$2,556 |
| 35 | HK$2,904 |
| 40 | HK$3,420 |
| 45 | HK$4,116 |
| 50 | HK$5,148 |
| 55 | HK$6,768 |
| 60 | HK$9,348 |
| 65 | HK$12,852 |
| 70 | HK$16,380 |
| 75 | HK$20,256 |
| 80 | HK$25,068 |
| 85 | HK$28,116 |
| 90 | HK$31,524 |
| 95 | HK$35,280 |
| 100 | HK$39,576 |
| 105 | HK$45,300 |
| 110 | HK$51,828 |
| 115 | HK$59,292 |
| 120 | HK$67,848 |
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.
Other deductible options in this series
12 deductibles — same benefit schedule, premium scales with deductible
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