VHIS Flexi · F00060-05-000-07

Bowtie Pink VHIS Plan - Private Room - HKD0 Deductible

保泰粉紅自願醫保計劃 - 私家房 - 0港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$16,800 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

Annual benefit limit

HK$20,000,000

Per-illness annual limit

—

Lifetime benefit limit

HK$80,000,000

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	$2,000 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	$3,000, per day, $40,000 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	$120,000 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
$2,000 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
$3,000, per day, $40,000 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
$120,000 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$14,184
1	HK$14,184
2	HK$14,184
3	HK$14,184
4	HK$14,184
5	HK$12,444
6	HK$11,400
7	HK$11,628
8	HK$11,868
9	HK$12,036
10	HK$12,036
11	HK$12,036
12	HK$12,036
13	HK$12,036
14	HK$12,036
15	HK$12,036
16	HK$12,156
17	HK$12,264
18	HK$12,336
19	HK$12,816
20	HK$13,224
21	HK$13,356
22	HK$13,692
23	HK$14,064
24	HK$14,412
25	HK$14,796
26	HK$15,156
27	HK$15,564
28	HK$15,960
29	HK$16,368
30	HK$16,800
31	HK$17,208
32	HK$17,664
33	HK$18,120
34	HK$18,588
35	HK$19,056
36	HK$19,560
37	HK$20,064
38	HK$20,580
39	HK$21,096
40	HK$21,708
41	HK$22,584
42	HK$23,568
43	HK$24,600
44	HK$25,680
45	HK$26,796
46	HK$27,984
47	HK$29,184
48	HK$30,456
49	HK$31,788
50	HK$33,168
51	HK$33,996
52	HK$35,664
53	HK$37,416
54	HK$39,240
55	HK$41,160
56	HK$43,188
57	HK$45,300
58	HK$47,520
59	HK$49,848
60	HK$52,284
61	HK$54,840
62	HK$57,528
63	HK$60,348
64	HK$63,312
65	HK$66,408
66	HK$69,660
67	HK$73,080
68	HK$76,656
69	HK$80,400
70	HK$84,348
71	HK$88,476
72	HK$92,820
73	HK$97,368
74	HK$102,120
75	HK$107,148
76	HK$112,368
77	HK$117,888
78	HK$123,672
79	HK$129,744
80	HK$136,092
81	HK$143,580
82	HK$155,424
83	HK$164,832
84	HK$175,056
85	HK$185,640
86	HK$196,584
87	HK$208,668
88	HK$221,196
89	HK$234,120
90	HK$247,644
91	HK$254,364
92	HK$260,820
93	HK$267,492
94	HK$274,272
95	HK$281,196
96	HK$288,276
97	HK$295,380
98	HK$302,688
99	HK$310,200
100	HK$319,500
101	HK$329,076
102	HK$338,952
103	HK$349,128
104	HK$359,592
105	HK$370,404
106	HK$381,492
107	HK$392,952
108	HK$404,748
109	HK$416,868
110	HK$429,396
111	HK$442,260
112	HK$455,520
113	HK$469,176
114	HK$483,276
115	HK$497,760
116	HK$512,700
117	HK$528,084
118	HK$543,924
119	HK$560,232
120	HK$577,032

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.