VHIS Flexi · F00060-01-000-07

Bowtie Pink VHIS Plan - Semi-Private Room - HKD0 Deductible

保泰粉紅自願醫保計劃 - 半私家房 - 0港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$10,908 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$10,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$50,000,000

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
Daily post-surgery home nursing benefit 出院後 / 日間手術後每日家中看護費	$1,600 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
Cancer / cardiac / stroke rehabilitation benefit 康復治療	$2,500, per day, $34,000 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
Daily post-surgery home nursing benefit
出院後 / 日間手術後每日家中看護費
$1,600 per day• Only payable for daily nursing services provided within 180 days after discharge from Confinement or completion of Day Case Procedure
Cancer / cardiac / stroke rehabilitation benefit
康復治療
$2,500, per day, $34,000 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$9,216
1	HK$9,216
2	HK$9,216
3	HK$9,216
4	HK$9,216
5	HK$8,100
6	HK$7,416
7	HK$7,560
8	HK$7,704
9	HK$7,824
10	HK$7,824
11	HK$7,824
12	HK$7,824
13	HK$7,824
14	HK$7,824
15	HK$7,824
16	HK$7,896
17	HK$7,980
18	HK$8,028
19	HK$8,340
20	HK$8,604
21	HK$8,688
22	HK$8,904
23	HK$9,144
24	HK$9,384
25	HK$9,612
26	HK$9,864
27	HK$10,128
28	HK$10,368
29	HK$10,644
30	HK$10,908
31	HK$11,196
32	HK$11,472
33	HK$11,784
34	HK$12,084
35	HK$12,396
36	HK$12,696
37	HK$13,044
38	HK$13,368
39	HK$13,704
40	HK$14,112
41	HK$14,688
42	HK$15,324
43	HK$15,996
44	HK$16,692
45	HK$17,424
46	HK$18,168
47	HK$18,972
48	HK$19,812
49	HK$20,652
50	HK$21,588
51	HK$22,104
52	HK$23,196
53	HK$24,312
54	HK$25,512
55	HK$26,760
56	HK$28,068
57	HK$29,448
58	HK$30,900
59	HK$32,400
60	HK$33,996
61	HK$35,664
62	HK$37,404
63	HK$39,228
64	HK$41,160
65	HK$43,152
66	HK$45,288
67	HK$47,508
68	HK$49,836
69	HK$52,284
70	HK$54,828
71	HK$57,516
72	HK$60,336
73	HK$63,300
74	HK$66,396
75	HK$69,636
76	HK$73,068
77	HK$76,632
78	HK$80,388
79	HK$84,324
80	HK$88,464
81	HK$93,324
82	HK$101,016
83	HK$107,148
84	HK$113,784
85	HK$120,672
86	HK$127,788
87	HK$135,636
88	HK$143,772
89	HK$152,184
90	HK$160,968
91	HK$165,360
92	HK$169,548
93	HK$173,856
94	HK$178,284
95	HK$182,784
96	HK$187,380
97	HK$192,000
98	HK$196,752
99	HK$201,636
100	HK$207,672
101	HK$213,912
102	HK$220,332
103	HK$226,944
104	HK$233,736
105	HK$240,756
106	HK$247,980
107	HK$255,408
108	HK$263,088
109	HK$270,960
110	HK$279,096
111	HK$287,472
112	HK$296,100
113	HK$304,968
114	HK$314,148
115	HK$323,556
116	HK$333,252
117	HK$343,260
118	HK$353,568
119	HK$364,164
120	HK$375,084

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

HK$0

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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.