Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-01-000-07. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$10,908 |
| 45 | HK$17,424 |
| 60 | HK$33,996 |
| 75 | HK$69,636 |
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_ex_us |
| Annual limit | HK$10,000,000 |
| Lifetime limit | HK$50,000,000 |
| Room and board | Paid in full |
| Hospital charges | Paid in full |
| Doctor's visits | Paid in full |
| Specialist fees | Paid in full |
| Intensive care | Paid in full |
| Surgeon's fee | Paid in full |
| Anaesthetist | Paid in full |
| Operating theatre | Paid in full |
| Diagnostic imaging | Paid in full |
| Non-surgical cancer treatment | Paid in full |
| Outpatient before and after | Paid in full |
| Psychiatric treatment | Paid in full |
Also includes chinese medicine, home nursing, 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.13 |
|---|---|
| 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.24 |
| Waiting period | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period, provided no benefit payment. After cooling-off, cancellation with 30 days written notice, provided no benefit payment in relevant Policy Year. p.5 |
| Switching from another plan | Switching to another plan with upgrade requires re-underwriting. Switching to another plan with downgrade does not require re-underwriting but is subject to company discretion. p.15 |
| Room class | Semi-Private Room p.36 |
| If a higher room is used | If a higher room class is used: Standard Private Room 50% adjustment factor, Above Standard Private Room 25% adjustment factor. Not applicable if due to unavailability, emergency, or isolation. p.58 |
| Geographical cover | Worldwide excluding the United States p.57 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered worldwide excluding USA. In USA, covered but limited to Standard Plan benefits. p.57 |
| Full cover on core benefits | yes p.36 |
| Annual limit | 10000000 p.37 |
| Lifetime limit | 50000000 p.37 |
| Deductible options | 0 p.36 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 55, 60, 65, 70, 75, or 80. p.36 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or Emergency consultation per Confinement/Day Case Procedure p.36 |
| Post-discharge outpatient | Full cover for 5 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure) p.36 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Diagnostic imaging coinsurance | none p.36 |
| Non-surgical cancer treatment | Full cover, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Day case procedures | Covered as in-patient for eligible expenses, plus HKD $1,300 cash benefit per surgical procedure. p.37 |
| Home nursing | HKD $1,600 per day, for daily nursing services within 180 days after discharge or Day Case Procedure, subject to prior written authorization. p.36 |
| Hospice care | HKD $100,000 per Policy Year, for admission to hospice or palliative care facility within 90 days after discharge from Hospital. p.37 |
| Chinese medicine | Follow-up outpatient visits by a Chinese Medicine Practitioner within 90 days after discharge or Day Case Procedure, related to the same cause, full cover for 5 visits. Excludes certain traditional Chinese medicines. p.65 |
| Physiotherapy | During confinement (under miscellaneous charges, full cover). Rehabilitative care (including physiotherapy) up to HKD $2,500 per day, HKD $34,000 per Policy Year, for stay within 90 days after discharge. p.21 |
| Congenital conditions | Covered from age 8 if not manifested or diagnosed before. p.27 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up after discharge is not covered. p.26 |
| Hospital cash | HKD $1,300 per surgical procedure for Day Case Procedure cash benefit. HKD $600 per day, 90 days per Policy Year for Second claim subsidy (if reimbursed by other plans). p.37 |
| Companion bed | Full cover for one extra bed for a companion in the same ward class during confinement. p.37 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Hair Mineral Analysis (HMA); Sex reassignment or sexual dysfunction p.25 |
At a constant age of 45, Bowtie has filed 3 schedule changes on this plan since 2021, an average of +4.6% a year, taking the premium from HK$13,956 to HK$17,424.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | +8.0% |
| 2025 | +9.0% |
| 2026 | no change |
A record of what has been filed, not a forecast of what you will pay.
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.