VHIS Flexi · F00060-06-000-07

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

保泰粉紅自願醫保計劃 - 私家房 - 20,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$13,500 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$20,000

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$9,900
1	HK$9,900
2	HK$9,900
3	HK$9,900
4	HK$9,900
5	HK$8,088
6	HK$7,452
7	HK$7,632
8	HK$7,824
9	HK$8,028
10	HK$8,028
11	HK$8,028
12	HK$8,028
13	HK$8,028
14	HK$8,028
15	HK$8,028
16	HK$8,112
17	HK$8,172
18	HK$8,208
19	HK$8,532
20	HK$8,796
21	HK$8,976
22	HK$9,216
23	HK$9,468
24	HK$10,080
25	HK$10,716
26	HK$11,232
27	HK$11,964
28	HK$12,744
29	HK$13,116
30	HK$13,500
31	HK$13,584
32	HK$13,764
33	HK$14,004
34	HK$14,148
35	HK$14,460
36	HK$14,772
37	HK$14,772
38	HK$15,012
39	HK$15,012
40	HK$15,444
41	HK$15,516
42	HK$15,804
43	HK$16,716
44	HK$17,184
45	HK$18,288
46	HK$19,716
47	HK$20,856
48	HK$21,600
49	HK$22,548
50	HK$23,064
51	HK$23,856
52	HK$24,456
53	HK$26,040
54	HK$27,108
55	HK$27,660
56	HK$29,064
57	HK$30,888
58	HK$32,880
59	HK$34,944
60	HK$36,936
61	HK$39,324
62	HK$42,324
63	HK$45,984
64	HK$50,004
65	HK$52,272
66	HK$54,624
67	HK$57,084
68	HK$59,652
69	HK$62,364
70	HK$65,172
71	HK$68,484
72	HK$71,952
73	HK$75,612
74	HK$79,428
75	HK$83,460
76	HK$87,684
77	HK$92,148
78	HK$96,828
79	HK$101,736
80	HK$106,884
81	HK$113,568
82	HK$118,392
83	HK$123,660
84	HK$129,144
85	HK$134,784
86	HK$141,120
87	HK$147,696
88	HK$154,404
89	HK$161,448
90	HK$168,684
91	HK$173,292
92	HK$177,912
93	HK$182,712
94	HK$187,608
95	HK$192,624
96	HK$197,760
97	HK$202,920
98	HK$208,212
99	HK$213,684
100	HK$220,416
101	HK$227,340
102	HK$234,480
103	HK$241,860
104	HK$249,468
105	HK$257,316
106	HK$265,404
107	HK$273,756
108	HK$282,348
109	HK$291,240
110	HK$300,396
111	HK$309,852
112	HK$319,584
113	HK$329,628
114	HK$340,008
115	HK$350,688
116	HK$361,728
117	HK$373,092
118	HK$384,852
119	HK$396,936
120	HK$409,404

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.