VHIS Flexi · F00060-02-000-07

Bowtie Pink VHIS Plan - Semi-Private Room - HKD20,000 Deductible

保泰粉紅自願醫保計劃 - 半私家房 - 20,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$5,700 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$20,000

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$3,948
1	HK$3,948
2	HK$3,948
3	HK$3,948
4	HK$3,948
5	HK$3,468
6	HK$3,192
7	HK$3,252
8	HK$3,312
9	HK$3,360
10	HK$3,360
11	HK$3,360
12	HK$3,360
13	HK$3,360
14	HK$3,360
15	HK$3,360
16	HK$3,408
17	HK$3,432
18	HK$3,444
19	HK$3,576
20	HK$3,696
21	HK$3,768
22	HK$4,008
23	HK$4,164
24	HK$4,428
25	HK$4,656
26	HK$4,860
27	HK$5,172
28	HK$5,436
29	HK$5,580
30	HK$5,700
31	HK$5,736
32	HK$5,940
33	HK$6,108
34	HK$6,228
35	HK$6,432
36	HK$6,624
37	HK$6,624
38	HK$6,732
39	HK$6,732
40	HK$6,924
41	HK$7,200
42	HK$7,332
43	HK$7,728
44	HK$7,908
45	HK$8,412
46	HK$9,024
47	HK$9,504
48	HK$9,792
49	HK$10,188
50	HK$10,380
51	HK$10,788
52	HK$11,076
53	HK$11,796
54	HK$12,372
55	HK$12,660
56	HK$13,356
57	HK$14,220
58	HK$15,156
59	HK$16,236
60	HK$17,220
61	HK$18,336
62	HK$19,788
63	HK$21,576
64	HK$23,640
65	HK$24,792
66	HK$26,016
67	HK$27,276
68	HK$28,632
69	HK$30,024
70	HK$31,488
71	HK$33,036
72	HK$34,656
73	HK$36,348
74	HK$38,124
75	HK$39,996
76	HK$41,952
77	HK$44,028
78	HK$46,176
79	HK$48,432
80	HK$50,820
81	HK$53,772
82	HK$55,800
83	HK$58,068
84	HK$60,408
85	HK$62,796
86	HK$65,484
87	HK$68,244
88	HK$71,076
89	HK$74,016
90	HK$77,016
91	HK$78,828
92	HK$80,604
93	HK$82,440
94	HK$84,300
95	HK$86,208
96	HK$88,152
97	HK$90,084
98	HK$92,088
99	HK$94,116
100	HK$96,696
101	HK$99,336
102	HK$102,048
103	HK$104,832
104	HK$107,712
105	HK$110,664
106	HK$113,676
107	HK$116,784
108	HK$119,976
109	HK$123,252
110	HK$126,624
111	HK$130,080
112	HK$133,632
113	HK$137,280
114	HK$141,036
115	HK$144,876
116	HK$148,848
117	HK$152,916
118	HK$157,092
119	HK$161,388
120	HK$165,792

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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HK$20K

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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.