Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-03-000-07. It entitles the insured to a semi-private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$4,344 |
| 45 | HK$6,720 |
| 60 | HK$13,944 |
| 75 | HK$33,024 |
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 | 0% for first 90 days of Policy Year 1, 100% from 91st day of Policy Year 1 onwards p.24 |
| Waiting period | 90 days for unknown pre-existing conditions p.24 |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefits paid. No refund after cooling-off if benefits paid. Pro-rata refund for current policy year upon death or company ceasing authorization. p.5 |
| Switching from another plan | Switching to a plan with upgraded benefits requires re-underwriting for the upgraded benefits. Switching to a plan with downgraded benefits 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 confined in Standard Private Room, 50% of benefits payable; if confined in Above Standard Private Room, 25% of benefits payable. 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 the United States. In the United States, covered at Standard Plan limits, no enhanced benefits. p.57 |
| Full cover on core benefits | yes p.36 |
| Annual limit | 10,000,000 p.37 |
| Lifetime limit | 50,000,000 p.37 |
| Deductible options | 50000 p.36 |
| How the deductible applies | Per Policy Year, with 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 consultations 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 p.36 |
| General outpatient | none |
| Psychiatric treatment | Full cover up to annual limit of HKD 10,000,000 p.36 |
| Diagnostic imaging coinsurance | none p.36 |
| Non-surgical cancer treatment | Full cover up to annual limit of HKD 10,000,000 p.36 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis up to annual limit of HKD 10,000,000 p.36 |
| Day case procedures | Covered as in-patient, plus HKD 1,300 cash benefit per surgical procedure p.36 |
| Home nursing | HKD 1,600 per day, within 180 days after discharge, subject to prior authorization p.36 |
| Hospice care | HKD 100,000 per Policy Year, for admission within 90 days after discharge p.36 |
| Chinese medicine | Covered for follow-up outpatient visits by Chinese Medicine Practitioner within 90 days after discharge, excluding certain traditional Chinese medicines p.65 |
| Physiotherapy | Full cover for physiotherapy during confinement and for 5 follow-up outpatient visits within 90 days after discharge p.36 |
| 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 p.26 |
| Hospital cash | HKD 1,300 per day case surgical procedure; HKD 600 per day for 90 days per policy year if other insurance pays p.37 |
| Companion bed | Full cover up to annual limit of HKD 10,000,000 p.36 |
| Direct billing and pre-authorisation | Pre-authorization required for home nursing p.36 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Purchase of durable medical equipment or appliances p.26 |
At a constant age of 45, Bowtie has filed 3 schedule changes on this plan since 2021, an average of +3.4% a year, taking the premium from HK$5,700 to HK$6,720.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.1% |
| 2024 | +5.6% |
| 2025 | +5.3% |
| 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.