VHIS Flexi · F00060-04-000-07

Bowtie Pink VHIS Plan - Semi-Private Room - HKD80,000 Deductible

保泰粉紅自願醫保計劃 - 半私家房 - 80,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$3,744 /yr

age

Ward class

Semi-Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$3,216
1	HK$3,216
2	HK$3,216
3	HK$3,216
4	HK$3,216
5	HK$2,856
6	HK$2,616
7	HK$2,652
8	HK$2,724
9	HK$2,760
10	HK$2,760
11	HK$2,760
12	HK$2,760
13	HK$2,760
14	HK$2,760
15	HK$2,760
16	HK$2,784
17	HK$2,808
18	HK$2,820
19	HK$2,940
20	HK$3,036
21	HK$3,060
22	HK$3,204
23	HK$3,288
24	HK$3,372
25	HK$3,456
26	HK$3,552
27	HK$3,624
28	HK$3,672
29	HK$3,708
30	HK$3,744
31	HK$3,936
32	HK$3,996
33	HK$4,032
34	HK$4,032
35	HK$4,164
36	HK$4,272
37	HK$4,272
38	HK$4,344
39	HK$4,356
40	HK$4,632
41	HK$4,968
42	HK$5,172
43	HK$5,472
44	HK$5,556
45	HK$5,916
46	HK$6,384
47	HK$6,792
48	HK$7,116
49	HK$7,428
50	HK$7,764
51	HK$8,124
52	HK$8,544
53	HK$8,928
54	HK$9,384
55	HK$9,840
56	HK$10,320
57	HK$10,824
58	HK$11,280
59	HK$11,676
60	HK$12,312
61	HK$13,008
62	HK$13,752
63	HK$14,412
64	HK$15,120
65	HK$15,864
66	HK$16,644
67	HK$17,472
68	HK$18,312
69	HK$19,224
70	HK$20,160
71	HK$21,156
72	HK$22,188
73	HK$23,268
74	HK$24,408
75	HK$25,596
76	HK$26,868
77	HK$28,176
78	HK$29,544
79	HK$30,996
80	HK$32,520
81	HK$34,620
82	HK$37,428
83	HK$39,780
84	HK$42,216
85	HK$44,724
86	HK$47,472
87	HK$50,340
88	HK$53,268
89	HK$56,328
90	HK$59,472
91	HK$60,840
92	HK$62,220
93	HK$63,636
94	HK$65,088
95	HK$66,564
96	HK$68,052
97	HK$69,540
98	HK$71,088
99	HK$72,672
100	HK$74,652
101	HK$76,680
102	HK$78,780
103	HK$80,928
104	HK$83,148
105	HK$85,416
106	HK$87,756
107	HK$90,144
108	HK$92,616
109	HK$95,136
110	HK$97,740
111	HK$100,416
112	HK$103,164
113	HK$105,972
114	HK$108,864
115	HK$111,828
116	HK$114,900
117	HK$118,044
118	HK$121,284
119	HK$124,584
120	HK$127,980

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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HK$80K

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HK$80K

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HK$80K

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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.