VHIS Flexi · F00060-11-000-04

Bowtie Pink VHIS Plan - Ward Room - HKD50,000 Deductible

保泰粉紅自願醫保計劃 - 普通房 - 50,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$2,856 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

HK$50,000

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• Subject to prior written approval from the Company
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• Subject to prior written approval from the Company
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$1,956
1	HK$1,956
2	HK$1,956
3	HK$1,956
4	HK$1,956
5	HK$1,836
6	HK$1,836
7	HK$1,836
8	HK$1,836
9	HK$1,836
10	HK$1,884
11	HK$1,908
12	HK$1,932
13	HK$1,968
14	HK$2,004
15	HK$2,052
16	HK$2,076
17	HK$2,124
18	HK$2,172
19	HK$2,220
20	HK$2,268
21	HK$2,316
22	HK$2,364
23	HK$2,412
24	HK$2,460
25	HK$2,556
26	HK$2,616
27	HK$2,700
28	HK$2,760
29	HK$2,796
30	HK$2,856
31	HK$2,904
32	HK$2,952
33	HK$3,012
34	HK$3,060
35	HK$3,096
36	HK$3,168
37	HK$3,264
38	HK$3,372
39	HK$3,504
40	HK$3,636
41	HK$3,816
42	HK$3,996
43	HK$4,176
44	HK$4,368
45	HK$4,560
46	HK$4,740
47	HK$4,908
48	HK$5,124
49	HK$5,364
50	HK$5,640
51	HK$5,940
52	HK$6,276
53	HK$6,612
54	HK$6,984
55	HK$7,392
56	HK$7,848
57	HK$8,352
58	HK$8,892
59	HK$9,540
60	HK$10,224
61	HK$10,956
62	HK$11,640
63	HK$12,336
64	HK$13,080
65	HK$13,884
66	HK$14,772
67	HK$15,624
68	HK$16,500
69	HK$17,340
70	HK$18,168
71	HK$18,996
72	HK$19,824
73	HK$20,688
74	HK$21,540
75	HK$22,428
76	HK$23,388
77	HK$24,408
78	HK$25,488
79	HK$26,700
80	HK$27,972
81	HK$28,992
82	HK$29,508
83	HK$30,120
84	HK$30,720
85	HK$31,356
86	HK$32,088
87	HK$32,844
88	HK$33,588
89	HK$34,368
90	HK$35,160
91	HK$35,976
92	HK$36,780
93	HK$37,632
94	HK$38,484
95	HK$39,360
96	HK$40,236
97	HK$41,124
98	HK$42,048
99	HK$42,960
100	HK$44,136
101	HK$45,348
102	HK$46,596
103	HK$47,856
104	HK$49,152
105	HK$50,520
106	HK$51,888
107	HK$53,304
108	HK$54,768
109	HK$56,256
110	HK$57,804
111	HK$59,364
112	HK$61,008
113	HK$62,676
114	HK$64,368
115	HK$66,144
116	HK$67,944
117	HK$69,804
118	HK$71,712
119	HK$73,680
120	HK$75,684

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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HK$50K

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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.