Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-07-000-07. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$7,932 |
| 45 | HK$11,244 |
| 60 | HK$23,076 |
| 75 | HK$53,160 |
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 | 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; no refund after cooling-off period if benefits have been paid. p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible, subject to re-underwriting for the upgraded benefits. p.15 |
| Room class | Standard Private Room p.36 |
| If a higher room is used | If a room class higher than Standard Private Room is used, benefits payable are subject to a 50% adjustment factor. p.58 |
| Geographical cover | Worldwide excluding the United States p.36 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered worldwide excluding the United States. In the United States, benefits are subject to Standard Plan limits. p.36 |
| Full cover on core benefits | yes p.36 |
| Annual limit | HKD 20,000,000 p.37 |
| Lifetime limit | HKD 80,000,000 p.37 |
| Deductible options | 50000 p.36 |
| How the deductible applies | Per Policy Year, with a one-off option to reduce or remove at ages 55, 60, 65, 70, 75, or 80 after 2 consecutive Policy Years. 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) p.36 |
| General outpatient | none |
| Psychiatric treatment | Full cover up to the Annual Benefit Limit of HKD 20,000,000 p.36 |
| Diagnostic imaging coinsurance | none p.36 |
| Non-surgical cancer treatment | Full cover up to the Annual Benefit Limit of HKD 20,000,000 p.36 |
| Kidney dialysis | Full cover up to the Annual Benefit Limit of HKD 20,000,000 p.36 |
| Day case procedures | Covered as in-patient, plus a cash benefit of HKD 1,300 per surgical procedure p.37 |
| Home nursing | HKD 2,000 per day, for services within 180 days after discharge, subject to prior written authorization p.36 |
| Hospice care | HKD 120,000 per Policy Year, for admission within 90 days after discharge p.36 |
| Chinese medicine | Post-Confinement/Day Case Procedure Chinese medicine treatment is covered for follow-up outpatient visits, excluding acupressure, tui na, and specific traditional Chinese medicines. p.65 |
| Physiotherapy | Covered during Confinement and for post-discharge follow-up outpatient visits (up to 5 visits within 90 days), if medically necessary. p.36 |
| Congenital conditions | Covered from 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 | HKD 1,300 per Day Case Procedure; HKD 600 per day (up to 90 days per Policy Year) as second claim subsidy. p.37 |
| Companion bed | Full cover up to the Annual Benefit Limit of HKD 20,000,000 p.36 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | traditional Chinese medicine treatment and other alternative treatments. p.25 |
At a constant age of 45, Bowtie has filed 3 schedule changes on this plan since 2021, an average of +3.3% a year, taking the premium from HK$9,588 to HK$11,244.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | +5.5% |
| 2025 | +4.8% |
| 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.