Bowtie VHIS Flexi is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00031-01-000-08. It entitles the insured to a ward room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$4,452 |
| 45 | HK$6,780 |
| 60 | HK$10,500 |
| 75 | HK$25,368 |
Female non-smoker, the plan currency, before levy. Age is the only thing that changes down this table; it is the plan's own filed schedule, not a quotation.
| Room | Ward |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$600,000 |
| Lifetime limit | None |
| Room and board | HK$1,200 |
| Hospital charges | HK$18,000 |
| Doctor's visits | HK$960 |
| Specialist fees | HK$4,300 |
| Intensive care | HK$3,500 |
| Surgeon's fee | HK$62,000 |
| Anaesthetist | HK$22,000 |
| Operating theatre | HK$22,000 |
| Diagnostic imaging | HK$26,000 |
| Non-surgical cancer treatment | HK$80,000 |
| Outpatient before and after | HK$3,000 |
| Psychiatric treatment | HK$30,000 |
Also includes outpatient general, chinese medicine, a companion bed, hospital cash, hospice care, kidney dialysis.
Read from the certified Terms and Benefits. Each page link opens that page of the filed document. Fields the document does not state are left out.
| Guaranteed renewal to age | lifetime p.15 |
|---|---|
| Pre-existing conditions unknown at application | First 90 days of the first Policy Year no coverage, 91st day of the first Policy Year onwards full coverage p.26 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period, provided no benefit payment has been made or is impending. p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade or addition of benefits, subject to re-underwriting for the upgraded/additional benefits. p.17 |
| Room class | not restricted p.21 |
| If a higher room is used | If confined in Semi-Private Room, 50% adjustment factor; if confined in Standard Private Room or Above Standard Private Room, 25% adjustment factor, unless due to unavailability, emergency, or isolation reasons. p.60 |
| Geographical cover | worldwide, except for psychiatric treatment, rehabilitative care, and medical negligence benefit p.21 |
| Psychiatric treatment area | Hong Kong only p.25 |
| Emergency treatment abroad | covered worldwide, subject to general benefit limits p.21 |
| Full cover on core benefits | no p.38 |
| Annual limit | 600000 p.39 |
| Lifetime limit | none p.39 |
| Deductible options | none |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits or emergency consultations per confinement/day case procedure, up to $3,000 per Policy Year p.38 |
| Post-discharge outpatient | 3 visits per confinement/day case procedure within 90 days after discharge, up to $3,000 per Policy Year p.38 |
| General outpatient | none |
| Psychiatric treatment | 30000 p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | 80000 p.38 |
| Kidney dialysis | Covered up to $50,000 per Policy Year p.38 |
| Day case procedures | Covered as Day Case Procedure, with a cash benefit of $800 per surgical procedure p.38 |
| Home nursing | $500 per day, for services within 180 days after discharge from confinement p.38 |
| Hospice care | $20,000 per Policy Year p.38 |
| Chinese medicine | Covered as part of post-confinement/day case outpatient care, up to $900 per visit, up to $3,000 per Policy Year p.38 |
| Physiotherapy | Covered during confinement under miscellaneous charges, and as part of post-discharge outpatient care up to $900 per visit, up to $3,000 per Policy Year p.23 |
| Congenital conditions | Covered if manifested or diagnosed after age 8 p.29 |
| Pregnancy complications | none p.28 |
| Emergency dental | Covered for Emergency Treatment and surgery during confinement arising from an Accident p.28 |
| Hospital cash | Day Case Procedure cash benefit $800 per surgical procedure; Second claim subsidy $400 per day, maximum 90 days per Policy Year p.38 |
| Companion bed | $350 per day p.38 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments p.27 |
At a constant age of 45, Bowtie has filed 3 schedule changes on this plan since 2021, an average of +3.7% a year, taking the premium from HK$5,352 to HK$6,780.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +9.2% |
| 2024 | +8.0% |
| 2025 | +7.4% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Regular | None | HKD 600,000 per Policy Year | |
| Regular | None | HKD 600,000 per Policy Year |
Private hospitals publish what they billed for common operations. These pages take those bills and work out what a plan pays of them.
Every procedure with published bills
The certified plan document as filed, on the Health Bureau's VHIS site.