VHIS Flexi · F00060-09-000-04

Bowtie Pink VHIS Plan - Ward Room - HKD0 Deductible

保泰粉紅自願醫保計劃 - 普通房 - 0港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$8,424 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

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
Daily post-surgery home nursing benefit 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
Cancer / cardiac / stroke 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
Daily post-surgery home nursing benefit
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
Cancer / cardiac / stroke 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$6,360
1	HK$6,360
2	HK$6,360
3	HK$6,360
4	HK$6,360
5	HK$5,964
6	HK$5,964
7	HK$5,964
8	HK$5,964
9	HK$5,964
10	HK$5,988
11	HK$6,048
12	HK$6,072
13	HK$6,108
14	HK$6,132
15	HK$6,168
16	HK$6,216
17	HK$6,276
18	HK$6,288
19	HK$6,288
20	HK$6,348
21	HK$6,456
22	HK$6,624
23	HK$6,792
24	HK$6,924
25	HK$7,116
26	HK$7,380
27	HK$7,656
28	HK$7,908
29	HK$8,172
30	HK$8,424
31	HK$8,700
32	HK$8,904
33	HK$9,132
34	HK$9,408
35	HK$9,612
36	HK$9,828
37	HK$10,032
38	HK$10,284
39	HK$10,452
40	HK$10,560
41	HK$10,740
42	HK$11,004
43	HK$11,496
44	HK$12,120
45	HK$12,780
46	HK$13,476
47	HK$13,932
48	HK$14,484
49	HK$15,108
50	HK$15,420
51	HK$15,636
52	HK$16,488
53	HK$17,520
54	HK$18,264
55	HK$19,032
56	HK$20,076
57	HK$21,348
58	HK$22,488
59	HK$23,712
60	HK$25,320
61	HK$26,712
62	HK$28,176
63	HK$30,564
64	HK$33,036
65	HK$35,652
66	HK$38,688
67	HK$41,880
68	HK$44,052
69	HK$45,480
70	HK$47,208
71	HK$49,800
72	HK$53,280
73	HK$55,608
74	HK$57,960
75	HK$60,396
76	HK$62,904
77	HK$65,532
78	HK$68,208
79	HK$70,968
80	HK$73,860
81	HK$76,788
82	HK$78,348
83	HK$80,136
84	HK$81,984
85	HK$83,856
86	HK$86,052
87	HK$88,308
88	HK$90,564
89	HK$92,928
90	HK$95,304
91	HK$97,764
92	HK$100,248
93	HK$102,792
94	HK$105,408
95	HK$108,072
96	HK$110,784
97	HK$113,520
98	HK$116,328
99	HK$119,220
100	HK$122,796
101	HK$126,480
102	HK$130,272
103	HK$134,172
104	HK$138,204
105	HK$142,368
106	HK$146,628
107	HK$151,020
108	HK$155,544
109	HK$160,212
110	HK$165,036
111	HK$169,980
112	HK$175,080
113	HK$180,324
114	HK$185,736
115	HK$191,304
116	HK$197,052
117	HK$202,944
118	HK$209,052
119	HK$215,328
120	HK$221,772

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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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.