Bowtie VHIS Standard

保泰自願醫保 - 標準計劃

Bowtie VHIS Standard is a VHIS Standard plan offered by Bowtie Life Insurance Company Limited, with ward class N/A (capped), Worldwide coverage and HK$420,000 annual benefit limit. Latest plan-document version: Dec 29, 2025.

01 · Plan at a glanceQuote a premium by age, gender and smoking status

Your premium

HK$1,656 /yr

age

Ward class

N/A (capped)

Coverage region

Worldwide

Deductible

N/A

Annual benefit limit

HK$420,000

Per-illness annual limit

—

Lifetime benefit limit

—

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	$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges (b) 雜項開支	$14,000 per Policy Year
(c) Attending doctor's visit fee (c) 主診醫生巡房費	$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee (d) 專科醫生費	$4,300 per Policy Year
(e) Intensive care (e) 深切治療	$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor 外科醫生費 — 小型	$5,000
Surgeon's fee — Intermediate 外科醫生費 — 中型	$12,500
Surgeon's fee — Major 外科醫生費 — 大型	$25,000
Surgeon's fee — Complex 外科醫生費 — 複雜	$50,000
(g) Anaesthetist's fee (g) 麻醉科醫生費	35% of Surgeon's fee payable
(h) Operating theatre charges (h) 手術室費	35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests (i) 訂明診斷成像檢測	$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments (j) 訂明非手術癌症治療	$80,000 per Policy Year
(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	$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments (l) 精神科治療	$30,000 per Policy Year

Basic Benefits

(a) Room and board
(a) 病房及膳食
$750 per day, maximum 180 days per Policy Year
(b) Miscellaneous charges
(b) 雜項開支
$14,000 per Policy Year
(c) Attending doctor's visit fee
(c) 主診醫生巡房費
$750 per day, maximum 180 days per Policy Year
(d) Specialist's fee
(d) 專科醫生費
$4,300 per Policy Year
(e) Intensive care
(e) 深切治療
$3,500 per day, maximum 25 days per Policy Year
Surgeon's fee — Minor
外科醫生費 — 小型
$5,000
Surgeon's fee — Intermediate
外科醫生費 — 中型
$12,500
Surgeon's fee — Major
外科醫生費 — 大型
$25,000
Surgeon's fee — Complex
外科醫生費 — 複雜
$50,000
(g) Anaesthetist's fee
(g) 麻醉科醫生費
35% of Surgeon's fee payable
(h) Operating theatre charges
(h) 手術室費
35% of Surgeon's fee payable
(i) Prescribed Diagnostic Imaging Tests
(i) 訂明診斷成像檢測
$20,000 per Policy Year. Subject to 30% Coinsurance.
(j) Prescribed Non-surgical Cancer Treatments
(j) 訂明非手術癌症治療
$80,000 per Policy Year
(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
$580, per visit, $3,000 per Policy Year• Up to 1 prior outpatient visit(s) or Emergency consultation(s) per Confinement/Day Case Procedure• Up to 3 follow-up outpatient visits per Confinement/Day Case Procedure within 90 days after discharge from Hospital or completion of Day Case Procedure
(l) Psychiatric treatments
(l) 精神科治療
$30,000 per Policy Year

Premium Schedule

Annual premium · 4 gender / smoking columns · HKD

Age	Male · Non-smoker	Male · Smoker	Female · Non-smoker	Female · Smoker
0	HK$1,752	HK$1,752	HK$1,860	HK$1,860
1	HK$1,704	HK$1,704	HK$1,788	HK$1,788
2	HK$1,644	HK$1,644	HK$1,644	HK$1,644
3	HK$1,584	HK$1,584	HK$1,524	HK$1,524
4	HK$1,512	HK$1,512	HK$1,392	HK$1,392
5	HK$1,452	HK$1,452	HK$1,320	HK$1,320
6	HK$1,392	HK$1,392	HK$1,248	HK$1,248
7	HK$1,272	HK$1,272	HK$1,200	HK$1,200
8	HK$1,200	HK$1,200	HK$1,164	HK$1,164
9	HK$1,164	HK$1,164	HK$1,140	HK$1,140
10	HK$1,152	HK$1,152	HK$1,140	HK$1,140
11	HK$1,152	HK$1,152	HK$1,152	HK$1,152
12	HK$1,152	HK$1,152	HK$1,188	HK$1,188
13	HK$1,164	HK$1,164	HK$1,224	HK$1,224
14	HK$1,164	HK$1,164	HK$1,248	HK$1,248
15	HK$1,188	HK$1,188	HK$1,248	HK$1,248
16	HK$1,212	HK$1,212	HK$1,320	HK$1,320
17	HK$1,236	HK$1,236	HK$1,392	HK$1,392
18	HK$1,236	HK$1,320	HK$1,416	HK$1,512
19	HK$1,236	HK$1,404	HK$1,452	HK$1,620
20	HK$1,248	HK$1,428	HK$1,464	HK$1,692
21	HK$1,296	HK$1,476	HK$1,512	HK$1,752
22	HK$1,332	HK$1,524	HK$1,524	HK$1,776
23	HK$1,380	HK$1,596	HK$1,560	HK$1,788
24	HK$1,416	HK$1,644	HK$1,668	HK$1,944
25	HK$1,452	HK$1,692	HK$1,740	HK$2,004
26	HK$1,512	HK$1,764	HK$1,836	HK$2,112
27	HK$1,560	HK$1,824	HK$1,908	HK$2,208
28	HK$1,596	HK$1,848	HK$1,980	HK$2,292
29	HK$1,620	HK$1,884	HK$2,052	HK$2,388
30	HK$1,656	HK$1,932	HK$2,100	HK$2,448
31	HK$1,704	HK$1,992	HK$2,148	HK$2,520
32	HK$1,776	HK$2,052	HK$2,268	HK$2,628
33	HK$1,836	HK$2,112	HK$2,328	HK$2,724
34	HK$1,896	HK$2,196	HK$2,376	HK$2,784
35	HK$1,968	HK$2,268	HK$2,460	HK$2,868
36	HK$2,016	HK$2,340	HK$2,532	HK$2,964
37	HK$2,076	HK$2,424	HK$2,616	HK$3,072
38	HK$2,124	HK$2,496	HK$2,688	HK$3,168
39	HK$2,172	HK$2,568	HK$2,760	HK$3,240
40	HK$2,304	HK$2,712	HK$2,820	HK$3,300
41	HK$2,424	HK$2,844	HK$2,964	HK$3,468
42	HK$2,556	HK$3,000	HK$3,084	HK$3,648
43	HK$2,688	HK$3,156	HK$3,240	HK$3,804
44	HK$2,808	HK$3,288	HK$3,360	HK$3,948
45	HK$2,952	HK$3,432	HK$3,504	HK$4,140
46	HK$3,072	HK$3,600	HK$3,672	HK$4,332
47	HK$3,204	HK$3,744	HK$3,840	HK$4,512
48	HK$3,312	HK$3,912	HK$3,996	HK$4,680
49	HK$3,456	HK$4,080	HK$4,176	HK$4,908
50	HK$3,612	HK$4,272	HK$4,212	HK$4,956
51	HK$3,660	HK$4,332	HK$4,248	HK$5,004
52	HK$3,708	HK$4,392	HK$4,284	HK$5,052
53	HK$3,900	HK$4,596	HK$4,320	HK$5,100
54	HK$4,080	HK$4,848	HK$4,380	HK$5,172
55	HK$4,308	HK$5,088	HK$4,464	HK$5,280
56	HK$4,500	HK$5,364	HK$4,572	HK$5,424
57	HK$4,812	HK$5,712	HK$4,728	HK$5,592
58	HK$4,992	HK$5,964	HK$4,848	HK$5,748
59	HK$5,208	HK$6,204	HK$5,004	HK$5,952
60	HK$5,568	HK$6,684	HK$5,352	HK$6,408
61	HK$5,904	HK$7,092	HK$5,724	HK$6,816
62	HK$6,336	HK$7,572	HK$6,024	HK$7,140
63	HK$6,744	HK$8,088	HK$6,408	HK$7,548
64	HK$7,104	HK$8,508	HK$6,756	HK$7,968
65	HK$7,452	HK$8,904	HK$7,080	HK$8,352
66	HK$7,812	HK$9,324	HK$7,440	HK$8,760
67	HK$8,172	HK$9,780	HK$7,716	HK$9,060
68	HK$8,544	HK$10,224	HK$7,980	HK$9,396
69	HK$8,952	HK$10,692	HK$8,364	HK$9,876
70	HK$9,384	HK$11,196	HK$8,772	HK$10,344
71	HK$9,816	HK$11,736	HK$9,192	HK$10,824
72	HK$10,212	HK$12,192	HK$9,540	HK$11,256
73	HK$10,632	HK$12,708	HK$9,936	HK$11,712
74	HK$11,028	HK$13,200	HK$10,332	HK$12,168
75	HK$11,484	HK$13,716	HK$10,740	HK$12,660
76	HK$11,820	HK$14,136	HK$11,052	HK$13,044
77	HK$12,036	HK$14,424	HK$11,280	HK$13,296
78	HK$12,168	HK$14,556	HK$11,508	HK$13,584
79	HK$12,552	HK$14,988	HK$11,748	HK$13,836
80	HK$12,792	HK$15,300	HK$11,964	HK$14,124
81	HK$13,440	HK$16,008	HK$12,588	HK$14,808
82	HK$13,968	HK$16,560	HK$13,080	HK$15,348
83	HK$14,484	HK$17,112	HK$13,584	HK$15,876
84	HK$15,012	HK$17,664	HK$14,076	HK$16,416
85	HK$15,528	HK$18,228	HK$14,568	HK$16,980
86	HK$15,528	HK$18,228	HK$14,568	HK$16,980
87	HK$15,528	HK$18,228	HK$14,568	HK$16,980
88	HK$15,528	HK$18,228	HK$14,568	HK$16,980
89	HK$15,528	HK$18,228	HK$14,568	HK$16,980
90	HK$15,528	HK$18,228	HK$14,568	HK$16,980
91	HK$15,528	HK$18,228	HK$14,568	HK$16,980
92	HK$15,528	HK$18,228	HK$14,568	HK$16,980
93	HK$15,528	HK$18,228	HK$14,568	HK$16,980
94	HK$15,528	HK$18,228	HK$14,568	HK$16,980
95	HK$15,528	HK$18,228	HK$14,568	HK$16,980
96	HK$15,528	HK$18,228	HK$14,568	HK$16,980
97	HK$15,528	HK$18,228	HK$14,568	HK$16,980
98	HK$15,528	HK$18,228	HK$14,568	HK$16,980
99	HK$15,528	HK$18,228	HK$14,568	HK$16,980

Terms and premiums on this page reflect the latest documents published by each insurer and the official VHIS website (vhis.gov.hk). In case of any discrepancy, the official PDF prevails. VHISGuide makes no warranty as to accuracy and does not constitute a purchase recommendation.

Notes & sources

Official benefit schedule: VHIS.gov.hk benefit schedule PDF
Official premium schedule: VHIS.gov.hk premium schedule PDF
Schedule effective date: Dec 29, 2025
Last verified: 2026-04-20