Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-11-000-04. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$2,856 |
| 45 | HK$4,560 |
| 60 | HK$10,224 |
| 75 | HK$22,428 |
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 | 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 | none |
| Cancellation and refund | Full refund if cancelled within 21-day cooling-off period; after cooling-off, cancellation with 30 days' notice if no benefit paid; 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, but company discretion to accept/reject). p.15 |
| Room class | Ward Room p.36 |
| If a higher room is used | If confined in Semi-Private Room, 50% of benefits payable; if in Standard Private Room or Above Standard Private Room, 25% of benefits payable. 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, but limited to Standard Plan benefits p.57 |
| Full cover on core benefits | yes p.36 |
| Annual limit | 8000000 p.37 |
| Lifetime limit | 40000000 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 p.36 |
| Coinsurance | none |
| Pre-admission outpatient | 2 visits per Confinement/Day Case Procedure p.36 |
| Post-discharge outpatient | 5 visits per Confinement/Day Case Procedure within 90 days after discharge p.36 |
| General outpatient | none p.26 |
| 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, subject to Annual Benefit Limit, Lifetime Benefit Limit and Deductible p.36 |
| Day case procedures | Covered as in-patient for basic benefits (full cover), plus HKD 1,300 cash benefit per surgical procedure p.36 |
| Home nursing | HKD 1,300 per day, for daily nursing services within 180 days after discharge p.36 |
| Hospice care | HKD 100,000 per Policy Year, for admission to hospice or palliative care facility within 90 days after discharge p.37 |
| Chinese medicine | Covered for follow-up outpatient visits (5 visits within 90 days after discharge) after Confinement/Day Case Procedure, excluding specific traditional Chinese medicines, acupressure, and tui na. p.36 |
| Physiotherapy | Covered for follow-up outpatient visits (5 visits within 90 days after discharge) after Confinement/Day Case Procedure p.23 |
| Congenital conditions | Covered if manifested or diagnosed 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 | HKD 1,300 per surgical procedure for Day Case; HKD 600 per day (up to 90 days per Policy Year) if covered by other insurance p.37 |
| Companion bed | Full cover for one extra bed for one person accompanying the Insured Person during Confinement p.37 |
| No-claim discount | none |
| Exclusions beyond the VHIS standard list | venereal and sexually transmitted disease or its sequelae; purchase of durable medical equipment or appliances for home use; traditional Chinese medicine treatment and other alternative treatments (with specific exceptions for post-discharge Chinese medicine). 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$3,996 to HK$4,560.
| 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.