VHIS Flexi · F00060-03-000-07

Bowtie Pink VHIS Plan - Semi-Private Room - HKD50,000 Deductible

保泰粉紅自願醫保計劃 - 半私家房 - 50,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$4,344 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$50,000

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• Subject to prior written approval from the Company
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• Subject to prior written approval from the Company
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$3,684
1	HK$3,684
2	HK$3,684
3	HK$3,684
4	HK$3,684
5	HK$3,228
6	HK$2,952
7	HK$3,024
8	HK$3,084
9	HK$3,108
10	HK$3,108
11	HK$3,108
12	HK$3,108
13	HK$3,108
14	HK$3,108
15	HK$3,108
16	HK$3,168
17	HK$3,192
18	HK$3,204
19	HK$3,312
20	HK$3,432
21	HK$3,456
22	HK$3,624
23	HK$3,720
24	HK$3,828
25	HK$3,912
26	HK$4,020
27	HK$4,104
28	HK$4,152
29	HK$4,188
30	HK$4,344
31	HK$4,440
32	HK$4,512
33	HK$4,548
34	HK$4,548
35	HK$4,692
36	HK$4,836
37	HK$4,836
38	HK$4,908
39	HK$4,932
40	HK$5,256
41	HK$5,616
42	HK$5,856
43	HK$6,180
44	HK$6,312
45	HK$6,720
46	HK$7,236
47	HK$7,692
48	HK$8,064
49	HK$8,400
50	HK$8,868
51	HK$9,324
52	HK$9,768
53	HK$10,236
54	HK$10,680
55	HK$11,148
56	HK$11,676
57	HK$12,264
58	HK$12,756
59	HK$13,224
60	HK$13,944
61	HK$14,736
62	HK$15,564
63	HK$16,332
64	HK$17,232
65	HK$18,024
66	HK$19,188
67	HK$20,556
68	HK$21,876
69	HK$23,460
70	HK$25,032
71	HK$26,556
72	HK$28,212
73	HK$29,784
74	HK$31,356
75	HK$33,024
76	HK$34,212
77	HK$35,928
78	HK$36,624
79	HK$38,736
80	HK$41,016
81	HK$43,668
82	HK$45,936
83	HK$48,216
84	HK$50,568
85	HK$52,992
86	HK$55,680
87	HK$58,452
88	HK$61,284
89	HK$64,260
90	HK$67,296
91	HK$68,880
92	HK$70,440
93	HK$72,048
94	HK$73,680
95	HK$75,348
96	HK$77,016
97	HK$78,720
98	HK$80,472
99	HK$82,248
100	HK$84,492
101	HK$86,820
102	HK$89,172
103	HK$91,620
104	HK$94,116
105	HK$96,696
106	HK$99,336
107	HK$102,048
108	HK$104,832
109	HK$107,700
110	HK$110,640
111	HK$113,676
112	HK$116,772
113	HK$119,952
114	HK$123,252
115	HK$126,624
116	HK$130,080
117	HK$133,632
118	HK$137,280
119	HK$141,036
120	HK$144,864

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12 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

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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.