Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-02-000-07. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$5,700 |
| 45 | HK$8,412 |
| 60 | HK$17,220 |
| 75 | HK$39,996 |
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 within 21-day cooling-off period if no benefit payment made. Pro-rata refund if terminated due to death of Insured Person, Company ceasing authorization, or policy becoming illegal. p.5 |
| Switching from another plan | Switching to a plan with upgraded/additional benefits requires re-underwriting limited to those benefits. Switching to a plan with downgraded/reduced benefits does not require re-underwriting but is subject to Company discretion. p.15 |
| Room class | Semi-Private Room p.37 |
| If a higher room is used | If confined in Standard Private Room, 50% adjustment factor; if confined in Above Standard Private Room, 25% adjustment factor. Not applicable if higher ward class due to unavailability for Emergency Treatment, isolation, or other non-preference reasons. p.58 |
| Geographical cover | Worldwide excluding the United States p.37 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered worldwide excluding the United States. In the United States, benefits are limited to Standard Plan benefits (Sections 3(a) to (k) of Part 6) and no enhanced benefits. p.57 |
| Full cover on core benefits | yes p.37 |
| Annual limit | 10,000,000 p.37 |
| Lifetime limit | 50,000,000 p.37 |
| Deductible options | 20000 p.37 |
| How the deductible applies | Per Policy Year. One-off right to reduce or remove deductible at ages 55, 60, 65, 70, 75, or 80 after 2 consecutive Policy Years. p.60 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or Emergency consultation per Confinement/Day Case Procedure p.37 |
| Post-discharge outpatient | Full cover for 5 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge) p.37 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.37 |
| Diagnostic imaging coinsurance | none p.37 |
| Non-surgical cancer treatment | Full cover p.37 |
| Kidney dialysis | Full cover p.37 |
| Day case procedures | Covered as in-patient for eligible expenses. Cash benefit of HKD 1,300 per surgical procedure. p.37 |
| Home nursing | HKD 1,600 per day, within 180 days after discharge, subject to prior written authorization. p.36 |
| Hospice care | HKD 100,000 per Policy Year, for admission within 90 days after discharge from Hospital. p.36 |
| Chinese medicine | Covered for follow-up outpatient visits by a Chinese Medicine Practitioner after Confinement/Day Case Procedure, excluding acupressure, tui na, and specific traditional Chinese medicines. p.65 |
| Physiotherapy | Full cover for physiotherapy during Confinement and for follow-up outpatient visits after Confinement/Day Case Procedure. p.21 |
| Congenital conditions | Covered from age 8 p.27 |
| Pregnancy complications | none p.26 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up treatment after discharge is not covered. p.26 |
| Hospital cash | HKD 600 per day, up to 90 days per Policy Year, if covered by another hospital indemnity plan and partial/full reimbursement received. p.37 |
| Companion bed | Full cover for one extra bed for a companion in the same ward class during Confinement. p.37 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments (except post-Confinement/Day Case Procedure Chinese medicine treatment). p.25 |
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$7,032 to HK$8,412.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.1% |
| 2024 | +5.6% |
| 2025 | +6.7% |
| 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.