Bowtie VHIS Flexi is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00031-02-000-08. It entitles the insured to a semi-private room and covers treatment worldwide.
| Age | Annual premium |
|---|---|
| 30 | HK$7,068 |
| 45 | HK$11,112 |
| 60 | HK$17,352 |
| 75 | HK$34,548 |
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 | Semi-private |
|---|---|
| Geographical cover | worldwide |
| Annual limit | HK$1,000,000 |
| Lifetime limit | None |
| Room and board | HK$2,300 |
| Hospital charges | HK$26,000 |
| Doctor's visits | HK$2,000 |
| Specialist fees | HK$6,450 |
| Intensive care | HK$5,500 |
| Surgeon's fee | HK$90,000 |
| Anaesthetist | HK$31,500 |
| Operating theatre | HK$31,500 |
| Diagnostic imaging | HK$40,000 |
| Non-surgical cancer treatment | HK$160,000 |
| Outpatient before and after | HK$6,400 |
| Psychiatric treatment | HK$37,500 |
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 | 90 days for unknown pre-existing conditions p.26 |
| Cancellation and refund | Full refund if cancelled within 21 days cooling-off period, provided no benefit payment has been made p.5 |
| Switching from another plan | Possible to switch to another plan, re-underwriting limited to upgraded or additional benefits p.17 |
| Room class | not restricted p.21 |
| If a higher room is used | If a higher room class is used, the supplementary major medical benefit is subject to an adjustment factor: Ward Room 100%, Semi-Private Room 100%, Standard Private Room 50%, Above Standard Private Room 25%, unless due to unavailability of ward or room shortage for Emergency Treatment, isolation reasons, or other reasons not involving personal preference 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 under worldwide territory p.21 |
| Full cover on core benefits | no p.38 |
| Annual limit | 1,000,000 p.39 |
| Lifetime limit | none p.39 |
| Coinsurance | none, except for specific benefits p.38 |
| Pre-admission outpatient | $1,300 per visit, up to $6,400 per Policy Year, for 2 prior outpatient visits or Emergency consultations per Confinement/Day Case Procedure p.38 |
| Post-discharge outpatient | $1,300 per visit, up to $6,400 per Policy Year, for 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge or completion of Day Case Procedure) p.38 |
| General outpatient | none |
| Psychiatric treatment | 37,500 p.38 |
| Diagnostic imaging coinsurance | 30% p.38 |
| Non-surgical cancer treatment | 160,000 p.38 |
| Kidney dialysis | Covered, $100,000 per Policy Year p.38 |
| Day case procedures | Covered as in-patient; cash benefit of $1,300 per surgical procedure p.22 |
| Home nursing | $800 per day, within 180 days after discharge from Confinement p.38 |
| Hospice care | $40,000 per Policy Year p.38 |
| Chinese medicine | Follow-up outpatient visits by Chinese Medicine Practitioner after Confinement/Day Case Procedure; excludes acupressure, tui na, and specific traditional Chinese medicines p.61 |
| Physiotherapy | Covered during Confinement under miscellaneous charges; covered under rehabilitative care at $1,500 per day, up to $20,000 per Policy Year for Stay in a Rehabilitation Centre p.23 |
| Congenital conditions | Covered from 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 of $1,300 per surgical procedure; Second claim subsidy of $600 per day, max 90 days per Policy Year p.39 |
| Companion bed | $800 per day p.38 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); Purchase of 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 +3.6% a year, taking the premium from HK$8,844 to HK$11,112.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +9.1% |
| 2024 | +8.1% |
| 2025 | +6.6% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
| Option | Room | Deductible | Annual limit |
|---|---|---|---|
| Plus | None | HKD 1,000,000 per Policy Year | |
| Plus | None | HKD 1,000,000 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.