VHIS Flexi · F00060-10-000-04

Bowtie Pink VHIS Plan - Ward Room - HKD20,000 Deductible

保泰粉紅自願醫保計劃 - 普通房 - 20,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$4,164 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

HK$20,000

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$3,120
1	HK$3,120
2	HK$3,120
3	HK$3,120
4	HK$3,120
5	HK$2,928
6	HK$2,928
7	HK$2,928
8	HK$2,928
9	HK$2,928
10	HK$2,940
11	HK$2,952
12	HK$2,964
13	HK$2,976
14	HK$3,024
15	HK$3,036
16	HK$3,048
17	HK$3,072
18	HK$3,132
19	HK$3,204
20	HK$3,276
21	HK$3,372
22	HK$3,468
23	HK$3,612
24	HK$3,768
25	HK$3,900
26	HK$3,996
27	HK$4,044
28	HK$4,092
29	HK$4,116
30	HK$4,164
31	HK$4,284
32	HK$4,404
33	HK$4,548
34	HK$4,704
35	HK$4,884
36	HK$5,076
37	HK$5,256
38	HK$5,436
39	HK$5,580
40	HK$5,784
41	HK$5,964
42	HK$6,168
43	HK$6,408
44	HK$6,672
45	HK$6,996
46	HK$7,404
47	HK$7,824
48	HK$8,304
49	HK$8,784
50	HK$9,048
51	HK$9,468
52	HK$9,900
53	HK$10,380
54	HK$10,884
55	HK$11,508
56	HK$12,120
57	HK$12,792
58	HK$13,548
59	HK$14,412
60	HK$15,288
61	HK$16,032
62	HK$16,824
63	HK$17,640
64	HK$18,504
65	HK$19,416
66	HK$20,364
67	HK$21,360
68	HK$22,416
69	HK$23,508
70	HK$24,660
71	HK$25,872
72	HK$27,144
73	HK$28,464
74	HK$29,856
75	HK$31,308
76	HK$32,856
77	HK$34,464
78	HK$36,156
79	HK$37,920
80	HK$39,780
81	HK$41,244
82	HK$41,976
83	HK$42,828
84	HK$43,704
85	HK$44,580
86	HK$45,636
87	HK$46,704
88	HK$47,784
89	HK$48,900
90	HK$50,028
91	HK$51,168
92	HK$52,332
93	HK$53,532
94	HK$54,756
95	HK$55,992
96	HK$57,252
97	HK$58,512
98	HK$59,796
99	HK$61,116
100	HK$62,796
101	HK$64,512
102	HK$66,264
103	HK$68,076
104	HK$69,948
105	HK$71,868
106	HK$73,812
107	HK$75,840
108	HK$77,916
109	HK$80,028
110	HK$82,224
111	HK$84,456
112	HK$86,784
113	HK$89,148
114	HK$91,584
115	HK$94,092
116	HK$96,660
117	HK$99,300
118	HK$102,024
119	HK$104,808
120	HK$107,532

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.