Quote Now

Which plan should I choose?

Explanations provided by actuaries, doctors, and claims officers

VHIS Standard

Baseline protection
Apply now

VHIS Flexi Regular

The choice for
Bowtie Staff and Doctors
Apply now

VHIS Flexi Plus

Enhanced protection
gives you peace of mind
Apply now

Benefit Limit

$420,000/year

$600,000/year

$1,000,000/year

Prescribed Diagnostic Imaging Tests
(Subject to 30%
coinsurance)

$20,000/year

$26,000/year

$40,000/year

Supplementary major medical benefit
(Subject to 20%
coinsurance)

$120,000/year

$220,000/year

Premium
(35, non-smoker)

$147/month

$235/month

$421/month

Basic Benefits

 

標準計劃

靈活計劃 (基本)

靈活計劃 (升級)

Room and board

$750/day  

Maximum 180 days per Policy Year

$1,100/day (6)

$2,200/day  (6)

The increased coverage amount allows you to choose between a semi-private ward with a higher level of privacy or the service of a standard ward with higher rates.

Miscellaneous charges

$14,000/year

$24,000/year

Attending doctor's visit fee

$750/day  

Maximum 180 days per Policy Year

$960/day (6)

$2,000/day (6)

Specialist's fee (2)

$4,300/year

$6,450/year

Intensive care

$3,500/day 

VHIS Standard - Maximum 25 days per Policy Year
VHIS Flexi - Maximum 60 days per Policy Year

$5,500/day 

Maximum 60 days per Policy Year

Surgeon's fee
(Per surgery, subject to surgical category)

- Complex $50,000
- Major $25,000
- Intermediate $12,500
- Minor $5,000

- Complex $75,000
- Major $37,500
- Intermediate $18,750
- Minor $7,500

Anaesthetist's fee
(% of Surgeon's fee payable)

35% (5)
- Complex $17,500
- Major $8,750
- Intermediate $4,400
- Minor $1,750
- Complex $26,250
- Major $13,150
- Intermediate $6,600
- Minor $2,650

Operating theatre charges
(% of Surgeon's fee payable)

35% (5)
- Complex $17,500
- Major $8,750
- Intermediate $4,400
- Minor $1,750
- Complex $26,250
- Major $13,150
- Intermediate $6,600
- Minor $2,650

Prescribed Diagnostic Imaging Tests (2)(3)
(Subject to 30% coinsurance)

$20,000/year

$26,000/year 

Bowtie Actuarial Experts
The Standard Plan coverage of $20,000 is sufficient for only one prescribed diagnostic imaging test, e.g. 1 “PET” (Positron Emission Tomography) scan at a cost of up to $18,000. We consider two prescribed diagnostic imaging tests per year to be a reasonable frequency and use this number as the basis for the estimation of the Flexi Plan (Regular) coverage.

$40,000/year 

Bowtie Actuarial Experts
We estimate the amount of coverage under the Flexi Plan (Plus) based on cancer cases. According to the survey, the average cost of each prescribed diagnostic imaging test is $14,000. With a 30% deductible, the coverage amount can cover 4 tests per year.

Prescribed Non-surgical Cancer Treatments (4)

$80,000/year

$160,000/year 

Bowtie Actuarial Experts
The coverage is designed for cancer cases. It may not fully cover all treatment expenses, but it can greatly reduce the financial burden of patients.

Pre- and Post- Confinement / Day Case Procedure outpatient care (2)

$580/visit 

Bowtie Actuarial Experts
- $3,000 per policy year
- Up to 1 outpatient or emergency visit before hospitalization/ day case surgery
- Up to 3 follow-up visits within 90 days after discharge/ day case surgery

Bowtie Actuarial Experts
- $6,400 per policy year
- Up to 1 outpatient or emergency visit before hospitalization/ day case surgery
- Up to 3 follow-up visits within 90 days after discharge/ day case surgery

$1,100/visit 

Psychiatric treatments

$30,000/year

$37,500/year 

Bowtie Actuarial Experts
The coverage amount is aligned to the market.

Enhanced benefits (7)

 

標準計劃

靈活計劃 (基本)

靈活計劃 (升級)

Accident Emergency outpatient treatments

$8,000/year 

Bowtie Actuarial Experts
We estimate that the cost of each emergency treatment (e.g. stitches, x-rays, and casts) is around $3,000-$4,000. Referring to thousands of claim statistics over a 5-year period, only less than 0.1% of the insured had more than 1 accident claim within one year. We take 2 annual outpatient visits for accidents as the basis of estimation. The insured need not worry about a complete loss of coverage in case of only 1 accident.

Outpatient
kidney
dialysis (2)

$50,000/year 

Bowtie Actuarial Experts
Acute renal failure is common among elderly patients. The coverage is sufficient to pay for the dialysis treatment 3 times a week for a period of 1 month.

$100,000/year 

Bowtie Actuarial Experts
The coverage amount is aligned to the market.

Post-confinement
daily home nursing (2)

$500 /day 

Bowtie Actuarial Experts
The daily care services limit up to 180 days after discharge is the longest in the market.

$800 /day 

Bowtie Actuarial Experts
The coverage amount generally can cover 8 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.

Rehabilitative
care (2)

$750/day 

Bowtie Actuarial Experts
- $10,000 per policy year
- Limit to the cases of hospitalization within 90 days after discharge

$1,500/day 

Bowtie Actuarial Experts
- $20,000 per policy year
- Limit to the cases of hospitalization within 90 days after discharge

Hospital companion bed

$350/day 

Bowtie Actuarial Experts
According to our survey, the cost of a standard ward with a companion bed in a private hospital in Hong Kong ranges from $180 to $380 per night, and the cost of one companion bed is already included for some children's ward rentals. The coverage amount is aligned to the market.

$800/day

Hospice and palliative care benefit (2)

Bowtie Actuarial Experts
According to our survey, the cost of a standard ward with a companion bed in a private hospital in Hong Kong ranges from $180 to $380 per night, and the cost of one companion bed is already included for some children's ward rentals. The coverage amount is aligned to the market.

$20,000/year
$40,000/year

Supplementary major medical benefit
(Subject to 20%
coinsurance)

$120,000/year 

Applicable to the following items:
- Miscellaneous costs
- Specialist's fees
- Intensive Care Treatment
- Surgeon's fees
- Anesthesiologist's fees
- Operating theater charges
- Accident and emergency treatment
- Outpatient dialysis

$220,000/year 

Bowtie Actuarial Experts
The coverage amount is aligned to the market.

Applicable to the following items:
- Miscellaneous costs
- Specialist's fees
- Intensive Care Treatment
- Surgeon's fees
- Anesthesiologist's fees
- Operating theater charges
- Accident and emergency treatment
- Outpatient dialysis

Other benefits (7)

 

標準計劃

靈活計劃 (基本)

靈活計劃 (升級)

Day Case Procedure cash benefit

$500/surgical procedure

Bowtie Actuarial Experts
The coverage amount is aligned to the market.

$800/surgical procedure

Special bonus

$400/day 

Bowtie Actuarial Experts
- The coverage amount is aligned to the market.
- Up to 90 days per policy year

$600/day 

- Up to 90 days per policy year

Medical negligence benefit

$1,000,000 

Bowtie Actuarial Experts
In the event of the insured's death due to medical negligence, this protection will provide financial support to his/ her family.

Total and Permanent Incapacity income benefit (2)
(payable for 52 weeks)

$500/week

$800/week

Other limits

 

標準計劃

靈活計劃 (基本)

靈活計劃 (升級)

Annual Benefit Limit for basic and enhanced benefits
(Not applicable to Supplementary Major Medical)

$420,000/year

$600,000/year

$1,000,000/year

Lifetime Benefit Limit for basic, enhanced and other benefits

Nil

The information on the page is for reference only. Please refer to the following documents for details:

Remarks –
(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above, unless otherwise specified.
(2) The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(3) Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined, subject to 30% coinsurance.
(4) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(5) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(6) This benefit is not subject to a maximum of 180 days per Policy Year as set out in the StandardPlan Terms and Benefits.
(7) Please refer to Supplement No. 1 for details.

More product information

 

標準計劃

靈活計劃 (基本)

靈活計劃 (升級)

Name of VHIS certified plan

Bowtie VHIS Standard

Bowtie VHIS Flexi

Type of VHIS certified plan

Standard Plan

Flexi Plan

Plan option

/

Regular

Plus

VHIS Certification Number

(available for new application)
S00023-01-000-02

(not available for new application)

S00023-01-000-01

(available for new application)
F00031-01-000-03

(not available for new application)
F00031-01-000-02
F00031-01-000-01

(available for new application)
F00031-02-000-03

(not available for new application)
F00031-02-000-02
F00031-02-000-01

VHIS Provider Registration No.

00023

Registration Effective Date

21 March 2019

Issue age (1)

15 days to age 80

Policy currency

HKD

Area of coverage (2)

Worldwide

Ward level restriction (3)

No restriction

Premium payment period / Benefit period

1 year

Guaranteed renewal

Up to age 100 (4)

Whole life (5)

Remarks –
(1) Age refers to the attained age of the Insured Person as of his or her last birthday.
(2) Except for psychiatric treatments, rehabilitative care and medical negligence benefit, all benefits shall be applicable worldwide.
(3) Except for benefit item supplementary major medical benefit as stated in the Benefit Schedule, all benefits are not subject to any restriction in the choice of ward class in hospital.
(4) Bowtie guarantees that you can renew your policy every year, up to age 100. However, if you do not pay premiums within 31 days after the premium due date, your policy will be terminated and you may lose the coverage of this policy.
(5) Bowtie guarantees that you can renew your policy every year. However, if you do not pay premiums within 31 days after the premium due date, your policy will be terminated and you may lose the coverage of this policy.