VHIS Flexi · F00060-12-000-04

Bowtie Pink VHIS Plan - Ward Room - HKD80,000 Deductible

保泰粉紅自願醫保計劃 - 普通房 - 80,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$2,556 /yr

age

Ward class

Ward

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$1,764
1	HK$1,764
2	HK$1,764
3	HK$1,764
4	HK$1,764
5	HK$1,656
6	HK$1,656
7	HK$1,656
8	HK$1,656
9	HK$1,656
10	HK$1,692
11	HK$1,716
12	HK$1,740
13	HK$1,848
14	HK$1,944
15	HK$1,944
16	HK$1,944
17	HK$1,968
18	HK$2,004
19	HK$2,052
20	HK$2,088
21	HK$2,124
22	HK$2,160
23	HK$2,208
24	HK$2,268
25	HK$2,304
26	HK$2,364
27	HK$2,412
28	HK$2,448
29	HK$2,520
30	HK$2,556
31	HK$2,604
32	HK$2,664
33	HK$2,724
34	HK$2,808
35	HK$2,904
36	HK$2,976
37	HK$3,072
38	HK$3,180
39	HK$3,288
40	HK$3,420
41	HK$3,576
42	HK$3,708
43	HK$3,864
44	HK$4,008
45	HK$4,116
46	HK$4,272
47	HK$4,440
48	HK$4,644
49	HK$4,872
50	HK$5,148
51	HK$5,400
52	HK$5,700
53	HK$6,024
54	HK$6,372
55	HK$6,768
56	HK$7,188
57	HK$7,656
58	HK$8,160
59	HK$8,760
60	HK$9,348
61	HK$9,996
62	HK$10,692
63	HK$11,400
64	HK$12,120
65	HK$12,852
66	HK$13,584
67	HK$14,304
68	HK$15,024
69	HK$15,708
70	HK$16,380
71	HK$17,112
72	HK$17,832
73	HK$18,600
74	HK$19,416
75	HK$20,256
76	HK$21,084
77	HK$22,008
78	HK$22,980
79	HK$24,000
80	HK$25,068
81	HK$25,992
82	HK$26,460
83	HK$27,000
84	HK$27,540
85	HK$28,116
86	HK$28,764
87	HK$29,448
88	HK$30,120
89	HK$30,816
90	HK$31,524
91	HK$32,244
92	HK$32,988
93	HK$33,732
94	HK$34,500
95	HK$35,280
96	HK$36,084
97	HK$36,876
98	HK$37,692
99	HK$38,520
100	HK$39,576
101	HK$40,656
102	HK$41,760
103	HK$42,912
104	HK$44,088
105	HK$45,300
106	HK$46,524
107	HK$47,796
108	HK$49,104
109	HK$50,436
110	HK$51,828
111	HK$53,244
112	HK$54,684
113	HK$56,184
114	HK$57,720
115	HK$59,292
116	HK$60,924
117	HK$62,580
118	HK$64,296
119	HK$66,048
120	HK$67,848

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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HK$80K

Current page

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.