Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-08-000-07. It entitles the insured to a private room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$6,960 |
| 45 | HK$9,996 |
| 60 | HK$20,556 |
| 75 | HK$44,028 |
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 onwards p.24 |
| Waiting period | none |
| Cancellation and refund | Full refund within 21-day cooling-off period if no benefit payment made; no refund after cooling-off period p.5 |
| Switching from another plan | Switching to another plan with upgraded benefits is possible with re-underwriting limited to the upgraded benefits p.15 |
| Room class | Standard Private Room p.35 |
| If a higher room is used | 50% adjustment factor if above Standard Private Room is used p.58 |
| Geographical cover | Worldwide excluding the United States p.35 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered worldwide excluding USA. In USA, benefits are limited to Standard Plan limits and no enhanced benefits. p.57 |
| Full cover on core benefits | yes p.35 |
| Annual limit | 20,000,000 HKD p.37 |
| Lifetime limit | 80,000,000 HKD p.37 |
| Deductible options | 80000 p.35 |
| How the deductible applies | Per Policy Year, with a one-off right to reduce or remove at ages 55, 60, 65, 70, 75, or 80 p.35 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.35 |
| Post-discharge outpatient | 5 visits per Confinement/Day Case Procedure within 90 days after discharge p.35 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.35 |
| Diagnostic imaging coinsurance | none p.35 |
| Non-surgical cancer treatment | Full cover p.35 |
| Kidney dialysis | Full cover p.36 |
| Day case procedures | Covered as in-patient, plus 1,300 HKD cash benefit per surgical procedure p.36 |
| Home nursing | 2,000 HKD per day, within 180 days after discharge, subject to prior authorization p.36 |
| Hospice care | 120,000 HKD per Policy Year, for admission within 90 days after discharge p.36 |
| Chinese medicine | Full cover for post-confinement/day case outpatient visits by Chinese Medicine Practitioner, excluding specific traditional Chinese medicines p.65 |
| Physiotherapy | Full cover for physiotherapy during confinement and for 5 follow-up outpatient visits within 90 days after discharge, if medically necessary p.21 |
| 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 | 1,300 HKD per Day Case Procedure; 600 HKD per day for 90 days per Policy Year as second claim subsidy p.36 |
| Companion bed | Full cover for one extra bed for one person accompanying the Insured Person during confinement p.36 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; Hair Mineral Analysis (HMA); purchase of durable medical equipment or appliances; traditional Chinese medicine treatment (herbal, bone-setting, acupuncture, acupressure, tui na) and other alternative treatments (hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy) 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$8,532 to HK$9,996.
| Year | Change |
|---|---|
| 2022 | no change |
| 2023 | +6.0% |
| 2024 | +5.6% |
| 2025 | +4.6% |
| 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.