Certified plan under Voluntary Health Insurance Scheme (VHIS)

Bowtie VHIS Flexi Enhanced Protection for just Standard Plan’s Premium

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Get business class benefits for economy prices? Unbeatable Deal!
Successfully enrol & get 1-month free premium plus $2,000 BowtieCash


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Bowtie VHIS Flexi Protection

Bowtie believes insurance should be Just Fit, that’s why we use market statistics and actual costs data to develop a highly rigorous model in order to offer enhanced coverage that truly benefits the needs of Hong Kong people.

統一保障範圍

Pioneered Three-Tier Protection

With up to $1 million coverage, $220,000 supplementary major medical benefit, plus BowtieCash that pays for medical costs that exceed the plan coverage, private medical services become truly accessible.

受政府認可

Prescribed Diagnostic Imaging Test (Enhancement)

Bowtie VHIS Flexi Plus covers day-case procedures up to the limit of $40,000 - 50% higher than the average market limit.

保障範圍更全面

Bowtie VHIS Standard (Upgraded Version)

Bowtie VHIS Flexi provides a total of 10 additional benefits - 6 enhanced benefits and 4 other benefits. We are the 2nd top provider offering most of the additional benefits items in town.

Standard Premium

Bowtie VHIS Flexi Regular premium rates are lower than other major providers’ Standard Plan rates.* We offer a fully end-to-end digital experience so from initial application and online underwriting, to making a claim, can be done on your smartphone or PC. We leverage technology to greatly reduce operational costs and pass on the savings to our customers.

*Based on monthly premium information for non-smoking males from Food and Health Bureau website, as of June 26, 2019. If insurers offer more than one flexi plans, we compare with the lowest level HKD plans (inclusive of supplementary major medical benefit). Coverage varies with each insurance plan. For details of various flexi plans, please refer to Food and Health Bureau website.

Plan Details

 

VHIS Standard
VHIS Flexi
VHIS Flexi XL

Benefit Limit

$420,000/year

$600,000/year

$1,000,000/year

Prescribed Diagnostic Imaging Tests

$20,000/year

$26,000/year

$40,000/year

Supplementary major medical benefit

$120,000/year

$220,000/year

Premium
(35, Non-smoker)

$149/month

$237/month

$425/month

More Details

Basic Benefits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Room and board

$750/day 

Maximum 180 days per Policy Year

$880/day (6)

$2,000/day (6)

Miscellaneous charges

$14,000/year

$24,000/year

Attending doctor's visit fee

$750/day 

Maximum 180 days per Policy Year

$750/day (6)

$1,500/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)

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

35% (5)

Prescribed Diagnostic Imaging Tests(2)(3)

$20,000/year

$26,000/year

$40,000/year

Prescribed Non-surgical Cancer Treatments(4)

$80,000/year

$160,000/year

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

$580/visit 

$3,000 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
• 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)

$1,100/visit 

$6,400 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
• 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)

Psychiatric treatments

$30,000/year

$37,500/year

Enhanced benefits(7)

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Accident Emergency outpatient treatments

$8,000/year

Outpatient kidney dialysis

$50,000/year

$100,000/year

Post-Confinement daily home nursing

$500 /day 

Only payable for daily nursing services provided within 180 days after discharge from Confinement

$800 /day 

Only payable for daily nursing services provided within 180 days after discharge from Confinement

Rehabilitative care

$750/day 

$10,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

$1,500/day 

$20,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

Hospital companion bed

$350/day

$800/day

Supplementary major medical benefit (9)

$120,000/year

$220,000/year

Other benefits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Day Case Procedure cash benefit

$500/surgical procedure

$800/surgical procedure

Special bonus

$400/day 

Maximum 90 days per Policy Year

$600/day 

Maximum 90 days per Policy Year

Medical negligence benefit

$1,000,000

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

$500/week

$800/week

Other limits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Annual Benefit Limit for basic and enhanced benefits (8)

$420,000/year

$600,000/year

$1,000,000/year

Annual Benefit Limit for basic, enhanced and other benefits

Nil

For reference only. Please refer to the following documents for details:

1. Policy Terms and Conditions (Chi/Eng)
2. Benefit Schedule (Chi/Eng)
3. Supplement No. 1 (Chi/Eng)

1. Policy Terms and Conditions (Chi/Eng)
2. Benefit Schedule (Chi/Eng)
3. Supplement No. 1 (Chi/Eng)

Remarks –
(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under morethan 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.
(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.
(8) Annual Benefit Limit does not apply to enhanced benefits in the table above.
(9) Subject to 20% Coinsurance

More product information

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

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

S00023-01-000-01

F00031-01-000-01

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 treatment, all benefits shall be applicable worldwide.
(3) Except for benefit item 2(f) 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.