Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-10-000-04. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$4,164 |
| 45 | HK$6,996 |
| 60 | HK$15,288 |
| 75 | HK$31,308 |
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 | Ward |
|---|---|
| Geographical cover | worldwide_ex_us |
| Annual limit | HK$8,000,000 |
| Lifetime limit | HK$40,000,000 |
| 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 | 90 days for pre-existing conditions unknown at application p.24 |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period (no benefit paid); after cooling-off, cancellation with 30 days notice if no benefit paid in current policy year p.5 |
| Switching from another plan | Switching to another plan with upgrade/addition of benefits is subject to re-underwriting for the upgraded/additional benefits; switching to a plan with downgrade/reduction of benefits does not require re-underwriting but is subject to company discretion p.15 |
| Room class | Ward Room p.36 |
| If a higher room is used | If confined in a higher class room: Semi-Private Room 50% adjustment, Standard Private Room 25% adjustment, Above Standard Private Room 25% adjustment p.58 |
| Geographical cover | Worldwide excluding the United States p.36 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered in the United States up to Standard Plan benefit limits, no cover for psychiatric treatment or enhanced/other benefits p.57 |
| Full cover on core benefits | yes p.36 |
| Annual limit | 8000000 p.37 |
| Lifetime limit | 40000000 p.37 |
| Deductible options | 20000 p.36 |
| How the deductible applies | Per Policy Year, one-off reduction or removal option available 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 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, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Diagnostic imaging coinsurance | none p.36 |
| Non-surgical cancer treatment | Full cover, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis as a Day Patient, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Day case procedures | Covered as in-patient for basic benefits, plus $1,300 cash benefit per surgical procedure p.36 |
| Home nursing | $1,300 per day, within 180 days after discharge, subject to prior authorization p.36 |
| Hospice care | $100,000 per Policy Year, for admission within 90 days after discharge p.37 |
| Chinese medicine | Follow-up outpatient visits by Chinese Medicine Practitioner within 90 days after discharge from Hospital or Day Case Procedure, excluding acupressure, tui na and certain traditional Chinese medicines p.65 |
| Physiotherapy | Covered during confinement and for 5 follow-up outpatient visits within 90 days after discharge p.36 |
| Congenital conditions | Covered if manifested or diagnosed at or after 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 as second claim subsidy p.37 |
| Companion bed | Full cover for one extra bed for a companion during confinement, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.37 |
| Second medical opinion | not stated |
| Direct billing and pre-authorisation | not stated |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | standard VHIS exclusions only p.25 |
At a constant age of 45, Bowtie has filed 2 schedule changes on this plan since 2021, an average of +4.2% a year, taking the premium from HK$6,132 to HK$6,996.
| Year | Change |
|---|---|
| 2024 | +5.7% |
| 2025 | +8.0% |
| 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.