Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-05-000-07. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$16,800 |
| 45 | HK$26,796 |
| 60 | HK$52,284 |
| 75 | HK$107,148 |
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 | Private |
|---|---|
| Geographical cover | worldwide_ex_us |
| Annual limit | HK$20,000,000 |
| Lifetime limit | HK$80,000,000 |
| 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 the first 90 days of the first Policy Year, 100% from 91st day of the first Policy Year onwards p.24 |
| Waiting period | 90 days for unknown pre-existing conditions p.24 |
| Cancellation and refund | Full refund during 21-day cooling-off period; after cooling-off, cancellation with 30 days notice if no benefit payment in policy year; pro-rata refund if terminated due to death or company ceasing authorization p.5 |
| Switching from another plan | Allowed to switch to another plan with upgrade/addition of benefits (re-underwriting limited to new benefits) or downgrade/reduction of benefits (no re-underwriting, company discretion) p.15 |
| Room class | Standard Private Room p.37 |
| If a higher room is used | 50% adjustment factor if confined in a room above Standard Private Room 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 Terms and Benefits p.57 |
| Full cover on core benefits | yes p.37 |
| Annual limit | 20000000 p.37 |
| Lifetime limit | 80000000 p.37 |
| Deductible options | 0 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 p.37 |
| Coinsurance | none p.28 |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or emergency consultations 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 basic benefits; $1,300 cash benefit per surgical procedure p.37 |
| Home nursing | $2,000 per day, payable for daily nursing services within 180 days after discharge or completion of day case procedure p.36 |
| Hospice care | $120,000 per Policy Year, payable for admission within 90 days after discharge from hospital p.36 |
| Chinese medicine | Covered for post-confinement/day case follow-up outpatient visits, excluding acupressure, tui na, and specific traditional Chinese medicines p.65 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits after discharge 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 p.26 |
| Hospital cash | $1,300 per surgical procedure for day case; $600 per day for 90 days per policy year for second claim subsidy p.37 |
| Companion bed | Full cover p.37 |
| 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 p.26 |
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$21,468 to HK$26,796.
| 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.