Bowtie Pink VHIS Plan is a Flexi Plan certified under the Voluntary Health Insurance Scheme, certification number F00060-12-000-04. It entitles the insured to a ward room and covers treatment worldwide_ex_us.
| Age | Annual premium |
|---|---|
| 30 | HK$2,556 |
| 45 | HK$4,116 |
| 60 | HK$9,348 |
| 75 | HK$20,256 |
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 (no benefit paid). After cooling-off, cancellation requires 30 days' notice, no refund if benefit paid in policy year. p.5 |
| Switching from another plan | Switching to another plan with upgraded or added benefits is subject to re-underwriting for the upgraded/added benefits. Switching to a plan with downgraded or reduced benefits does not require re-underwriting but is subject to company discretion. p.15 |
| Room class | Ward Room p.37 |
| If a higher room is used | If confined in Semi-Private Room, 50% of benefits payable; if confined in Standard Private Room or Above Standard Private Room, 25% of benefits payable. p.58 |
| Geographical cover | Worldwide excluding the United States p.37 |
| Psychiatric treatment area | Hong Kong only p.23 |
| Emergency treatment abroad | Covered worldwide excluding USA (full cover). In USA, covered up to Standard Plan limits for basic benefits (3a-k), no cover for psychiatric or enhanced/other benefits. p.57 |
| Full cover on core benefits | yes p.37 |
| Annual limit | 8000000 p.37 |
| Lifetime limit | 40000000 p.37 |
| Deductible options | 80000 p.37 |
| 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.37 |
| Coinsurance | none |
| Pre-admission outpatient | Full cover for 2 prior outpatient visits or emergency consultations per confinement/day case procedure p.37 |
| Post-discharge outpatient | Full cover for 5 follow-up outpatient visits per confinement/day case procedure within 90 days after discharge p.37 |
| General outpatient | none |
| Psychiatric treatment | Full cover p.37 |
| Diagnostic imaging coinsurance | none p.37 |
| Non-surgical cancer treatment | Full cover p.37 |
| Kidney dialysis | Full cover for haemodialysis or peritoneal dialysis as a Day Patient p.37 |
| Day case procedures | Covered as in-patient for basic benefits, plus a cash benefit of HKD $1,300 per surgical procedure p.37 |
| Home nursing | HKD $1,300 per day, payable for daily nursing services within 180 days after discharge from Hospital or completion of Day Case Procedure, subject to prior written authorization by the Company p.36 |
| Hospice care | HKD $100,000 per Policy Year, for admission to hospice or palliative care facility within 90 days after discharge from Hospital p.36 |
| Chinese medicine | Covered for post-confinement/day case procedure follow-up outpatient visits by a Chinese Medicine Practitioner, excluding acupressure, tui na, and specific traditional Chinese medicines. p.65 |
| Physiotherapy | Covered during confinement and for follow-up outpatient visits post-confinement/day case procedure. p.21 |
| 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. Follow-up dental treatment after discharge is not covered. p.27 |
| Hospital cash | HKD $1,300 per surgical procedure for Day Case Procedure; HKD $600 per day, up to 90 days per Policy Year, as a second claim subsidy if other insurance pays. p.37 |
| Companion bed | Full cover for one extra bed for one person accompanying the Insured Person in the same ward class during confinement. p.37 |
| 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; Purchase of durable medical equipment or appliances; Traditional Chinese medicine treatment and other alternative treatments (except post-confinement 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$3,612 to HK$4,116.
| Year | Change |
|---|---|
| 2024 | +5.6% |
| 2025 | +7.9% |
| 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.