VHIS Flexi · F00060-08-000-07

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

保泰粉紅自願醫保計劃 - 私家房 - 80,000港元自付費

Bowtie Life Insurance Company Limited

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Your premium

HK$6,960 /yr

age

Ward class

Standard Private Room

Coverage region

Worldwide (excluding United States)

Deductible

HK$80,000

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$5,868
1	HK$5,868
2	HK$5,868
3	HK$5,868
4	HK$5,868
5	HK$5,160
6	HK$4,752
7	HK$4,872
8	HK$5,004
9	HK$5,124
10	HK$5,124
11	HK$5,124
12	HK$5,124
13	HK$5,124
14	HK$5,124
15	HK$5,124
16	HK$5,172
17	HK$5,232
18	HK$5,256
19	HK$5,472
20	HK$5,640
21	HK$5,688
22	HK$5,964
23	HK$6,132
24	HK$6,288
25	HK$6,444
26	HK$6,612
27	HK$6,768
28	HK$6,828
29	HK$6,912
30	HK$6,960
31	HK$7,164
32	HK$7,164
33	HK$7,176
34	HK$7,176
35	HK$7,260
36	HK$7,404
37	HK$7,404
38	HK$7,548
39	HK$7,572
40	HK$7,776
41	HK$8,280
42	HK$8,676
43	HK$9,216
44	HK$9,396
45	HK$9,996
46	HK$10,860
47	HK$11,556
48	HK$12,204
49	HK$12,780
50	HK$13,380
51	HK$13,980
52	HK$14,616
53	HK$15,288
54	HK$15,984
55	HK$16,704
56	HK$17,472
57	HK$18,252
58	HK$18,936
59	HK$19,548
60	HK$20,556
61	HK$21,876
62	HK$23,292
63	HK$24,636
64	HK$26,052
65	HK$27,540
66	HK$29,136
67	HK$30,804
68	HK$32,580
69	HK$34,452
70	HK$36,420
71	HK$37,836
72	HK$39,300
73	HK$40,800
74	HK$42,384
75	HK$44,028
76	HK$45,708
77	HK$47,460
78	HK$49,284
79	HK$51,192
80	HK$53,172
81	HK$56,616
82	HK$61,608
83	HK$65,700
84	HK$70,104
85	HK$74,616
86	HK$79,440
87	HK$84,636
88	HK$89,928
89	HK$95,472
90	HK$101,220
91	HK$103,980
92	HK$106,752
93	HK$109,632
94	HK$112,584
95	HK$115,572
96	HK$118,656
97	HK$121,752
98	HK$124,944
99	HK$128,208
100	HK$132,240
101	HK$136,404
102	HK$140,688
103	HK$145,116
104	HK$149,688
105	HK$154,404
106	HK$159,252
107	HK$164,244
108	HK$169,428
109	HK$174,744
110	HK$180,252
111	HK$185,916
112	HK$191,760
113	HK$197,784
114	HK$204,000
115	HK$210,432
116	HK$217,044
117	HK$223,860
118	HK$230,892
119	HK$238,152
120	HK$245,652

Other deductible options in this series

12 deductibles — same benefit schedule, premium scales with deductible

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HK$80K

Current page

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.