VHIS Flexi · F00060-07-000-07

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

保泰粉紅自願醫保計劃 - 私家房 - 50,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$7,932 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$50,000

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$6,600
1	HK$6,600
2	HK$6,600
3	HK$6,600
4	HK$6,600
5	HK$5,796
6	HK$5,352
7	HK$5,472
8	HK$5,616
9	HK$5,736
10	HK$5,736
11	HK$5,736
12	HK$5,736
13	HK$5,736
14	HK$5,736
15	HK$5,736
16	HK$5,832
17	HK$5,880
18	HK$5,904
19	HK$6,132
20	HK$6,348
21	HK$6,408
22	HK$6,732
23	HK$6,876
24	HK$7,080
25	HK$7,236
26	HK$7,416
27	HK$7,608
28	HK$7,656
29	HK$7,764
30	HK$7,932
31	HK$8,052
32	HK$8,064
33	HK$8,076
34	HK$8,076
35	HK$8,148
36	HK$8,316
37	HK$8,316
38	HK$8,436
39	HK$8,496
40	HK$8,700
41	HK$9,252
42	HK$9,756
43	HK$10,344
44	HK$10,560
45	HK$11,244
46	HK$12,216
47	HK$13,008
48	HK$13,704
49	HK$14,352
50	HK$15,192
51	HK$15,900
52	HK$16,632
53	HK$17,340
54	HK$18,036
55	HK$18,756
56	HK$19,608
57	HK$20,508
58	HK$21,252
59	HK$21,960
60	HK$23,076
61	HK$24,300
62	HK$25,572
63	HK$26,736
64	HK$28,128
65	HK$29,316
66	HK$31,212
67	HK$33,180
68	HK$35,328
69	HK$37,656
70	HK$40,008
71	HK$42,468
72	HK$45,204
73	HK$47,772
74	HK$50,376
75	HK$53,160
76	HK$55,152
77	HK$58,020
78	HK$59,256
79	HK$62,760
80	HK$66,576
81	HK$70,884
82	HK$75,156
83	HK$79,188
84	HK$83,400
85	HK$87,744
86	HK$92,556
87	HK$97,560
88	HK$102,732
89	HK$108,108
90	HK$113,712
91	HK$116,796
92	HK$119,928
93	HK$123,156
94	HK$126,468
95	HK$129,852
96	HK$133,296
97	HK$136,776
98	HK$140,340
99	HK$144,048
100	HK$148,560
101	HK$153,252
102	HK$158,064
103	HK$163,020
104	HK$168,168
105	HK$173,460
106	HK$178,896
107	HK$184,524
108	HK$190,320
109	HK$196,308
110	HK$202,488
111	HK$208,860
112	HK$215,424
113	HK$222,192
114	HK$229,176
115	HK$236,388
116	HK$243,816
117	HK$251,484
118	HK$259,392
119	HK$267,564
120	HK$275,976

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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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.