Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-06-000-07. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$13,500 |
| 45 | HK$18,288 |
| 60 | HK$36,936 |
| 75 | HK$83,460 |
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 first 90 days of Policy Year 1, 100% from 91st day of Policy Year 1 p.24 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit paid; cancellation after cooling-off with 30 days notice if no benefit paid in current Policy Year; pro-rata refund on death or company ceasing authorization p.5 |
| Switching from another plan | Switching to upgrade benefits requires re-underwriting for new benefits; switching to downgrade benefits does not require re-underwriting but is subject to company discretion p.15 |
| Room class | Standard Private Room p.37 |
| If a higher room is used | 50% adjustment factor if confined in Above Standard Private Room 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 US; reduced benefits in US p.57 |
| Full cover on core benefits | yes p.37 |
| Annual limit | 20000000 p.37 |
| Lifetime limit | 80000000 p.37 |
| Deductible options | 20000 p.37 |
| How the deductible applies | Per Policy Year; one-off reduction/removal option at ages 55, 60, 65, 70, 75, or 80 p.37 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.37 |
| Post-discharge outpatient | 5 visits per Confinement/Day Case Procedure within 90 days after discharge p.37 |
| General outpatient | none |
| Psychiatric treatment | Full cover, subject to Annual Benefit Limit and Deductible p.37 |
| Diagnostic imaging coinsurance | none p.37 |
| Non-surgical cancer treatment | Full cover, subject to Annual Benefit Limit and Deductible p.37 |
| Kidney dialysis | Full cover, subject to Annual Benefit Limit and Deductible p.37 |
| Day case procedures | Covered as in-patient, plus $1,300 cash benefit per surgical procedure p.37 |
| Home nursing | $2,000 per day, within 180 days after discharge/Day Case Procedure p.36 |
| Hospice care | $120,000 per Policy Year, for admission within 90 days after discharge p.37 |
| Chinese medicine | Full cover for follow-up outpatient visits after Confinement/Day Case Procedure, excluding acupressure, tui na, and specific traditional Chinese medicines p.65 |
| Physiotherapy | Full cover during Confinement and for 5 follow-up outpatient visits within 90 days after discharge p.37 |
| Congenital conditions | Excluded if manifested or diagnosed before age 8 p.27 |
| Pregnancy complications | None p.27 |
| Emergency dental | Covered for Emergency Treatment and surgery during Confinement arising from an Accident p.27 |
| Hospital cash | $1,300 per Day Case Procedure; $600 per day for 90 days per Policy Year if other insurance pays p.37 |
| Companion bed | Full cover, subject to Annual Benefit Limit and Deductible p.37 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | Pre-authorization required for home nursing p.36 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | Not Medically Necessary; Venereal and sexually transmitted disease; Purchase of durable medical equipment or appliances p.25 |
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$15,348 to HK$18,288.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | +5.5% |
| 2025 | +6.5% |
| 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.