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Updated at August 2019

Voluntary Health Insurance Scheme (VHIS)

The Voluntary Health Insurance Scheme (VHIS) took effect on 1 April 2019. There are two certified plans, Standard Plan and Flexi Plan. Compare the pros and cons and pick the plan that suits you best.

Plan Name

Bowtie VHIS Standard

Cigna VHIS Series

Plan Type

Standard Plan

Standard Plan

Geographical Cover

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Annual Premium

Smoking StatusSmoking status when the policy is issued

Attained age Attained age when the policy is issued

Non-smoker Aged 21 - 30
Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1128

/

1296

Age 19

1128

/

1332

Age 20

1140

/

1356

Age
Male / Female
Age 21

1176

/

1392

Age 22

1212

/

1440

Age 23

1248

/

1488

Age 24

1296

/

1548

Age 25

1332

/

1608

Age 26

1380

/

1692

Age 27

1428

/

1764

Age 28

1452

/

1836

Age 29

1476

/

1908

Age 30

1512

/

1956

Age
Male / Female
Age 31

1560

/

2016

Age 32

1620

/

2112

Age 33

1668

/

2196

Age 34

1728

/

2292

Age 35

1788

/

2400

Age 36

1848

/

2496

Age 37

1896

/

2592

Age 38

1944

/

2676

Age 39

1992

/

2748

Age 40

2112

/

2868

Age
Male / Female
Age 41

2220

/

2988

Age 42

2340

/

3132

Age 43

2460

/

3264

Age 44

2568

/

3384

Age 45

2688

/

3480

Age 46

2808

/

3576

Age 47

2916

/

3648

Age 48

3036

/

3744

Age 49

3168

/

3828

Age 50

3300

/

3924

Age
Male / Female
Age 51

3444

/

3996

Age 52

3588

/

4080

Age 53

3768

/

4152

Age 54

3960

/

4236

Age 55

4164

/

4332

Age 56

4368

/

4440

Age 57

4656

/

4572

Age 58

4848

/

4704

Age 59

5040

/

4860

Age 60

5388

/

5184

Age
Male / Female
Age 61

5736

/

5544

Age 62

6144

/

5844

Age 63

6540

/

6204

Age 64

6936

/

6552

Age 65

7332

/

6876

Age 66

7704

/

7260

Age 67

7968

/

7572

Age 68

8292

/

7896

Age 69

8796

/

8220

Age 70

9156

/

8556

Age
Male / Female
Age 71

9516

/

8904

Age 72

9900

/

9264

Age 73

10296

/

9636

Age 74

10704

/

10020

Age 75

11136

/

10416

Age 76

11460

/

10728

Age 77

11688

/

10944

Age 78

11928

/

11160

Age 79

12168

/

11388

Age 80

12408

/

11616

Age
Male / Female
Age 81

12660

/

11844

Age 82

12912

/

12084

Age 83

13176

/

12324

Age 84

13440

/

12576

Age 85

13704

/

12828

Age 86

13968

/

13080

Age 87

14244

/

13332

Age 88

14532

/

13596

Age 89

14808

/

13872

Age 90

15108

/

14136

Age
Male / Female
Age 91

15252

/

14280

Age 92

15408

/

14424

Age 93

15564

/

14568

Age 94

15720

/

14712

Age 95

15876

/

14856

Age 96

16032

/

15000

Age 97

16188

/

15144

Age 98

16344

/

15300

Age 99

16512

/

15444

Age 100

NaN.undefined

/

NaN.undefined

Age
Male / Female
Age 1

2766

/

2766

Age 2

2766

/

2766

Age 3

2766

/

2766

Age 4

2766

/

2766

Age 5

1844

/

1844

Age 6

1844

/

1844

Age 7

1844

/

1844

Age 8

1844

/

1844

Age 9

1844

/

1844

Age 10

1844

/

1844

Age
Male / Female
Age 11

1844

/

1844

Age 12

1844

/

1844

Age 13

1844

/

1844

Age 14

1844

/

1844

Age 15

1844

/

1844

Age 16

1844

/

1844

Age 17

1844

/

1844

Age 18

1956

/

1956

Age 19

1956

/

1956

Age 20

1989

/

1989

Age
Male / Female
Age 21

2011

/

2011

Age 22

2033

/

2033

Age 23

2089

/

2089

Age 24

2140

/

2140

Age 25

2192

/

2192

Age 26

2245

/

2245

Age 27

2300

/

2300

Age 28

2356

/

2356

Age 29

2413

/

2413

Age 30

2472

/

2472

Age
Male / Female
Age 31

2532

/

2532

Age 32

2594

/

2594

Age 33

2657

/

2657

Age 34

2722

/

2722

Age 35

2755

/

2755

Age 36

2766

/

2766

Age 37

2799

/

2799

Age 38

2866

/

2866

Age 39

2922

/

2922

Age 40

2988

/

2988

Age
Male / Female
Age 41

3097

/

3097

Age 42

3210

/

3210

Age 43

3327

/

3327

Age 44

3449

/

3449

Age 45

3575

/

3575

Age 46

3706

/

3706

Age 47

3842

/

3842

Age 48

3982

/

3982

Age 49

4128

/

4128

Age 50

4279

/

4279

Age
Male / Female
Age 51

4467

/

4467

Age 52

4664

/

4664

Age 53

4869

/

4869

Age 54

5083

/

5083

Age 55

5307

/

5307

Age 56

5551

/

5551

Age 57

5806

/

5806

Age 58

6073

/

6073

Age 59

6352

/

6352

Age 60

6644

/

6644

Age
Male / Female
Age 61

6963

/

6963

Age 62

7297

/

7297

Age 63

7647

/

7647

Age 64

8014

/

8014

Age 65

8399

/

8399

Age 66

8819

/

8819

Age 67

9260

/

9260

Age 68

9723

/

9723

Age 69

10209

/

10209

Age 70

10719

/

10719

Age
Male / Female
Age 71

11276

/

11276

Age 72

11862

/

11862

Age 73

12479

/

12479

Age 74

13128

/

13128

Age 75

13811

/

13811

Age 76

14557

/

14557

Age 77

15343

/

15343

Age 78

16172

/

16172

Age 79

17045

/

17045

Age 80

17965

/

17965

Age
Male / Female
Age 81

18145

/

18145

Age 82

18326

/

18326

Age 83

18509

/

18509

Age 84

18694

/

18694

Age 85

18881

/

18881

Age 86

19070

/

19070

Age 87

19261

/

19261

Age 88

19454

/

19454

Age 89

19649

/

19649

Age 90

19845

/

19845

Age
Male / Female
Age 91

20043

/

20043

Age 92

20243

/

20243

Age 93

20445

/

20445

Age 94

20649

/

20649

Age 95

20855

/

20855

Age 96

21064

/

21064

Age 97

21275

/

21275

Age 98

21488

/

21488

Age 99

21703

/

21703

Age 100

-

Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1200

/

1380

Age 19

1284

/

1476

Age 20

1308

/

1560

Age
Male / Female
Age 21

1356

/

1608

Age 22

1392

/

1632

Age 23

1452

/

1716

Age 24

1500

/

1800

Age 25

1548

/

1860

Age 26

1608

/

1968

Age 27

1656

/

2052

Age 28

1680

/

2124

Age 29

1716

/

2232

Age 30

1764

/

2280

Age
Male / Female
Age 31

1812

/

2352

Age 32

1872

/

2460

Age 33

1932

/

2568

Age 34

2004

/

2676

Age 35

2064

/

2796

Age 36

2148

/

2916

Age 37

2220

/

3036

Age 38

2280

/

3144

Age 39

2352

/

3228

Age 40

2472

/

3360

Age
Male / Female
Age 41

2604

/

3516

Age 42

2736

/

3696

Age 43

2868

/

3840

Age 44

3012

/

3972

Age 45

3144

/

4092

Age 46

3288

/

4212

Age 47

3432

/

4284

Age 48

3576

/

4404

Age 49

3720

/

4512

Age 50

3900

/

4608

Age
Male / Female
Age 51

4068

/

4704

Age 52

4248

/

4812

Age 53

4464

/

4896

Age 54

4692

/

5004

Age 55

4932

/

5112

Age 56

5196

/

5256

Age 57

5532

/

5412

Age 58

5784

/

5580

Age 59

6012

/

5772

Age 60

6480

/

6204

Age
Male / Female
Age 61

6888

/

6600

Age 62

7356

/

6924

Age 63

7836

/

7332

Age 64

8292

/

7728

Age 65

8760

/

8112

Age 66

9192

/

8544

Age 67

9540

/

8904

Age 68

9912

/

9288

Age 69

10512

/

9696

Age 70

10944

/

10092

Age
Male / Female
Age 71

11376

/

10500

Age 72

11832

/

10920

Age 73

12312

/

11352

Age 74

12804

/

11808

Age 75

13308

/

12276

Age 76

13704

/

12648

Age 77

13980

/

12900

Age 78

14256

/

13164

Age 79

14544

/

13428

Age 80

14832

/

13692

Age
Male / Female
Age 81

15132

/

13968

Age 82

15432

/

14244

Age 83

15744

/

14532

Age 84

16056

/

14820

Age 85

16380

/

15120

Age 86

16692

/

15420

Age 87

17028

/

15720

Age 88

17364

/

16032

Age 89

17700

/

16344

Age 90

18048

/

16668

Age
Male / Female
Age 91

18228

/

16836

Age 92

18408

/

16992

Age 93

18588

/

17160

Age 94

18780

/

17340

Age 95

18960

/

17508

Age 96

19152

/

17676

Age 97

19344

/

17856

Age 98

19536

/

18024

Age 99

19728

/

18204

Age 100

-

Age
Male / Female
Age 1

-

Age 2

-

Age 3

-

Age 4

-

Age 5

-

Age 6

-

Age 7

-

Age 8

-

Age 9

-

Age 10

-

Age
Male / Female
Age 11

-

Age 12

-

Age 13

-

Age 14

-

Age 15

-

Age 16

-

Age 17

-

Age 18

2173

/

2173

Age 19

2173

/

2173

Age 20

2210

/

2210

Age
Male / Female
Age 21

2234

/

2234

Age 22

2259

/

2259

Age 23

2321

/

2321

Age 24

2378

/

2378

Age 25

2436

/

2436

Age 26

2494

/

2494

Age 27

2556

/

2556

Age 28

2618

/

2618

Age 29

2681

/

2681

Age 30

2747

/

2747

Age
Male / Female
Age 31

2813

/

2813

Age 32

2882

/

2882

Age 33

2952

/

2952

Age 34

3024

/

3024

Age 35

3061

/

3061

Age 36

3073

/

3073

Age 37

3110

/

3110

Age 38

3184

/

3184

Age 39

3247

/

3247

Age 40

3320

/

3320

Age
Male / Female
Age 41

3441

/

3441

Age 42

3567

/

3567

Age 43

3697

/

3697

Age 44

3832

/

3832

Age 45

3972

/

3972

Age 46

4118

/

4118

Age 47

4269

/

4269

Age 48

4424

/

4424

Age 49

4587

/

4587

Age 50

4754

/

4754

Age
Male / Female
Age 51

4963

/

4963

Age 52

5182

/

5182

Age 53

5410

/

5410

Age 54

5648

/

5648

Age 55

5897

/

5897

Age 56

6168

/

6168

Age 57

6451

/

6451

Age 58

6748

/

6748

Age 59

7058

/

7058

Age 60

7382

/

7382

Age
Male / Female
Age 61

7737

/

7737

Age 62

8108

/

8108

Age 63

8497

/

8497

Age 64

8904

/

8904

Age 65

9332

/

9332

Age 66

9799

/

9799

Age 67

10289

/

10289

Age 68

10803

/

10803

Age 69

11343

/

11343

Age 70

11910

/

11910

Age
Male / Female
Age 71

12529

/

12529

Age 72

13180

/

13180

Age 73

13866

/

13866

Age 74

14587

/

14587

Age 75

15346

/

15346

Age 76

16174

/

16174

Age 77

17048

/

17048

Age 78

17969

/

17969

Age 79

18939

/

18939

Age 80

19961

/

19961

Age
Male / Female
Age 81

20161

/

20161

Age 82

20362

/

20362

Age 83

20566

/

20566

Age 84

20771

/

20771

Age 85

20979

/

20979

Age 86

21189

/

21189

Age 87

21401

/

21401

Age 88

21616

/

21616

Age 89

21832

/

21832

Age 90

22050

/

22050

Age
Male / Female
Age 91

22270

/

22270

Age 92

22492

/

22492

Age 93

22717

/

22717

Age 94

22943

/

22943

Age 95

23172

/

23172

Age 96

23404

/

23404

Age 97

23639

/

23639

Age 98

23876

/

23876

Age 99

24114

/

24114

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

Nil

Nil

Benefit Items(1)

a) Room and Board (per day)

$750 per day
(Max. 180 days per policy)

$750 per day
(Max. 180 days per policy)

b) Miscellaneous Charges (per policy year)

$14,000 per Policy Year

$14,000 per Policy Year

c) Attending Doctor’s Visit Fee(per day)

$750 per day
(Max. 180 days per policy Year)

$750 per day
(Max. 180 days per policy Year)

d) Specialist’s Fee (per policy year)(2)

$4,300 per Policy Year

$4,300 per Policy Year

e) Intensive Care (per day)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

f) Surgeon’s Fee (per surgery)

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

i) Prescribed Diagnostic Imaging Tests (per policy year)(2) (3)

$20,000
Subject to 30% Coinsurance

$20,000
Subject to 30% Coinsurance

j) Prescribed Non-surgical Cancer Treatments (per policy year)(4)

$80,000

$80,000

k) Pre- and Post-Confinement / Day Case Procedure Outpatient Care(per visit)(2)

$580 per visit, up to $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)

$580 per visit, up to $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)

i) Psychiatric Treatments (per policy year)

$30,000

$30,000

Enhanced Benefit Items

a) Accident Emergency Outpatient Treatments

Nil

Nil

b) Outpatient Kidney Dialysis

Nil

Nil

c) Post-confinement Daily Home Nursing

Nil

Nil

d) Rehabilitative Care

Nil

Nil

e) Hospital Companion Bed

Nil

Nil

f) Supplementary Major Medical Benefit

Nil

Nil

Other Benefit

a) Day Case Procedure Cash Benefit

Nil

Nil

b) Special Bonus

Nil

Nil

c) Medical Negligence Benefit

Nil

Nil

d) Total and Permanent Incapacity Income Benefit

$500 per week (payable for 52 weeks)(6)

$500 per week (payable for 52 weeks)(6)

Annual Benefit Limit

$420,000 per Policy Year

$420,000 per Policy Year

Lifetime Benefit LImit

Nil

Nil

Key Features

• Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
• Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
• BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
• Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips

• DoctorNow app for virtual consultation and medication
• Cashless hospitalisation(8)
• Medical Classification Hotline and Care Manager

Promotion

Successfully enrol & get BowtieCash(9)

• Buy online for an exclusive offer of 15% off your first-year premium
• Additional 10% discount available for spouse or kids

Deductible (per policy year) (HKD)

Nil

Nil

VHIS Certification Number

S00023-01-000-01

S00031-01-000-01

Product Brochure

Product Brochure

Product Brochure

Policy Provisions

Policy Provisions

Policy Provisions

Company Background

Company Background

Company Background

Notes

(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(2) VHIS Provider 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) Please refer to the policy for details
(7) The service is provided by a 3rd party service provider and FWD shall not be responsible for any act or failure to act on the part of the 3rd party service provider. This service is not guaranteed renewable and is not applicable to Insured Person aged 75 or above. FWD may revise the details of the services from time to time without prior notice. This service is available to the Insured Person when travelling outside the home country or country of residence for periods not exceeding ninety (90) consecutive days per trip.
(8) Only applicable to Eligible Expenses
(9) BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
 

Plan Name

Bowtie VHIS Flexi - Regular

Cigna-VHIS Series SMM

Plan Type

Flexi Plan

Flexi Plan

Geographical Cover

No restriction (Except for supplementary major medical benefit)

Worldwide (For psychiatric treatment, the territorial scope only covers Hong Kong)

Annual Premium

Smoking StatusSmoking status when the policy is issued

Attained age Attained age when the policy is issued

Non-smoker Aged 21 - 30
Age
Male / Female
Age 1

3684

/

3432

Age 2

3648

/

3144

Age 3

3252

/

2820

Age 4

3048

/

2568

Age 5

2772

/

2340

Age 6

2496

/

2112

Age 7

2244

/

2004

Age 8

2172

/

1932

Age 9

2016

/

1836

Age 10

1860

/

1752

Age
Male / Female
Age 11

1836

/

1764

Age 12

1764

/

1764

Age 13

1752

/

1824

Age 14

1716

/

1884

Age 15

1728

/

1992

Age 16

1788

/

2076

Age 17

1860

/

2148

Age 18

1884

/

2172

Age 19

1908

/

2196

Age 20

1944

/

2220

Age
Male / Female
Age 21

2028

/

2352

Age 22

2064

/

2400

Age 23

2136

/

2496

Age 24

2160

/

2604

Age 25

2196

/

2700

Age 26

2292

/

2952

Age 27

2352

/

3132

Age 28

2388

/

3252

Age 29

2400

/

3324

Age 30

2424

/

3540

Age
Male / Female
Age 31

2508

/

3576

Age 32

2592

/

3648

Age 33

2700

/

3672

Age 34

2784

/

3696

Age 35

2844

/

3720

Age 36

2952

/

3876

Age 37

3072

/

4068

Age 38

3180

/

4260

Age 39

3276

/

4392

Age 40

3408

/

4524

Age
Male / Female
Age 41

3576

/

4656

Age 42

3756

/

4800

Age 43

3936

/

4956

Age 44

4056

/

5136

Age 45

4164

/

5412

Age 46

4284

/

5700

Age 47

4440

/

5916

Age 48

4644

/

6168

Age 49

4884

/

6432

Age 50

5232

/

6540

Age
Male / Female
Age 51

5628

/

6648

Age 52

6024

/

6768

Age 53

6372

/

6888

Age 54

6684

/

7044

Age 55

7056

/

7200

Age 56

7392

/

7404

Age 57

7860

/

7728

Age 58

8388

/

8076

Age 59

8928

/

8472

Age 60

9564

/

9024

Age
Male / Female
Age 61

8472

/

8064

Age 62

9024

/

8532

Age 63

9576

/

9012

Age 64

10068

/

9408

Age 65

10524

/

9828

Age 66

10980

/

10236

Age 67

11412

/

10716

Age 68

11784

/

11028

Age 69

12156

/

11364

Age 70

12648

/

11832

Age
Male / Female
Age 71

13152

/

12300

Age 72

13680

/

12804

Age 73

14232

/

13308

Age 74

14796

/

13848

Age 75

15384

/

14388

Age 76

15852

/

14820

Age 77

16164

/

15120

Age 78

16488

/

15432

Age 79

16824

/

15744

Age 80

17160

/

16056

Age
Male / Female
Age 81

17508

/

16380

Age 82

17856

/

16704

Age 83

18216

/

17040

Age 84

18576

/

17376

Age 85

18948

/

17724

Age 86

19320

/

18072

Age 87

19704

/

18432

Age 88

20088

/

18804

Age 89

20484

/

19176

Age 90

20892

/

19548

Age
Male / Female
Age 91

21096

/

19752

Age 92

21312

/

19944

Age 93

21528

/

20136

Age 94

21744

/

20340

Age 95

21960

/

20544

Age 96

22176

/

20748

Age 97

22392

/

20952

Age 98

22620

/

21156

Age 99

22836

/

21372

Age 100

23508

/

21996

Age
Male / Female
Age 1

4676

/

4676

Age 2

4676

/

4676

Age 3

4676

/

4676

Age 4

4676

/

4676

Age 5

3117

/

3117

Age 6

3117

/

3117

Age 7

3117

/

3117

Age 8

3117

/

3117

Age 9

3117

/

3117

Age 10

3117

/

3117

Age
Male / Female
Age 11

3117

/

3117

Age 12

3117

/

3117

Age 13

3117

/

3117

Age 14

3117

/

3117

Age 15

3117

/

3117

Age 16

3117

/

3117

Age 17

3117

/

3117

Age 18

3312

/

3312

Age 19

3312

/

3312

Age 20

3372

/

3372

Age
Male / Female
Age 21

3415

/

3415

Age 22

3461

/

3461

Age 23

3551

/

3551

Age 24

3638

/

3638

Age 25

3727

/

3727

Age 26

3818

/

3818

Age 27

3911

/

3911

Age 28

4006

/

4006

Age 29

4104

/

4104

Age 30

4204

/

4204

Age
Male / Female
Age 31

4307

/

4307

Age 32

4412

/

4412

Age 33

4520

/

4520

Age 34

4630

/

4630

Age 35

4716

/

4716

Age 36

4730

/

4730

Age 37

4789

/

4789

Age 38

4909

/

4909

Age 39

5015

/

5015

Age 40

5188

/

5188

Age
Male / Female
Age 41

5378

/

5378

Age 42

5575

/

5575

Age 43

5779

/

5779

Age 44

5990

/

5990

Age 45

6209

/

6209

Age 46

6436

/

6436

Age 47

6671

/

6671

Age 48

6915

/

6915

Age 49

7168

/

7168

Age 50

7430

/

7430

Age
Male / Female
Age 51

7757

/

7757

Age 52

8098

/

8098

Age 53

8454

/

8454

Age 54

8826

/

8826

Age 55

9214

/

9214

Age 56

9638

/

9638

Age 57

10081

/

10081

Age 58

10545

/

10545

Age 59

11030

/

11030

Age 60

11537

/

11537

Age
Male / Female
Age 61

12091

/

12091

Age 62

12671

/

12671

Age 63

13279

/

13279

Age 64

13916

/

13916

Age 65

14584

/

14584

Age 66

15313

/

15313

Age 67

16079

/

16079

Age 68

16883

/

16883

Age 69

17727

/

17727

Age 70

18613

/

18613

Age
Male / Female
Age 71

19581

/

19581

Age 72

20599

/

20599

Age 73

21670

/

21670

Age 74

22797

/

22797

Age 75

23982

/

23982

Age 76

25277

/

25277

Age 77

26642

/

26642

Age 78

28081

/

28081

Age 79

29597

/

29597

Age 80

31195

/

31195

Age
Male / Female
Age 81

31507

/

31507

Age 82

31822

/

31822

Age 83

32140

/

32140

Age 84

32461

/

32461

Age 85

32786

/

32786

Age 86

33114

/

33114

Age 87

33445

/

33445

Age 88

33779

/

33779

Age 89

34117

/

34117

Age 90

34458

/

34458

Age
Male / Female
Age 91

34803

/

34803

Age 92

35151

/

35151

Age 93

35503

/

35503

Age 94

35858

/

35858

Age 95

36217

/

36217

Age 96

36579

/

36579

Age 97

36945

/

36945

Age 98

37314

/

37314

Age 99

37687

/

37687

Age 100

-

Age
Male / Female
Age 1

3684

/

3432

Age 2

3648

/

3144

Age 3

3252

/

2820

Age 4

3048

/

2568

Age 5

2772

/

2340

Age 6

2496

/

2112

Age 7

2244

/

2004

Age 8

2172

/

1932

Age 9

2016

/

1836

Age 10

1860

/

1752

Age
Male / Female
Age 11

1836

/

1764

Age 12

1764

/

1764

Age 13

1752

/

1824

Age 14

1716

/

1884

Age 15

1728

/

1992

Age 16

1788

/

2076

Age 17

1860

/

2148

Age 18

2004

/

2304

Age 19

2172

/

2448

Age 20

2268

/

2604

Age
Male / Female
Age 21

2352

/

2748

Age 22

2424

/

2760

Age 23

2496

/

2904

Age 24

2592

/

3048

Age 25

2664

/

3252

Age 26

2712

/

3480

Age 27

2772

/

3672

Age 28

2808

/

3792

Age 29

2844

/

3936

Age 30

2904

/

4152

Age
Male / Female
Age 31

2976

/

4212

Age 32

3048

/

4284

Age 33

3144

/

4392

Age 34

3252

/

4536

Age 35

3372

/

4716

Age 36

3492

/

4920

Age 37

3600

/

5148

Age 38

3732

/

5400

Age 39

3864

/

5568

Age 40

3996

/

5724

Age
Male / Female
Age 41

4236

/

5892

Age 42

4464

/

6096

Age 43

4680

/

6300

Age 44

4836

/

6444

Age 45

5016

/

6732

Age 46

5196

/

6996

Age 47

5544

/

7128

Age 48

5760

/

7380

Age 49

6000

/

7620

Age 50

6408

/

7680

Age
Male / Female
Age 51

6852

/

7860

Age 52

7296

/

7968

Age 53

7644

/

8148

Age 54

8004

/

8340

Age 55

8388

/

8532

Age 56

8784

/

8772

Age 57

9372

/

9192

Age 58

9996

/

9648

Age 59

10644

/

10104

Age 60

11388

/

10668

Age
Male / Female
Age 61

9924

/

9144

Age 62

10644

/

9684

Age 63

11280

/

10272

Age 64

11880

/

10860

Age 65

12444

/

11472

Age 66

12972

/

12096

Age 67

13524

/

12708

Age 68

14040

/

13344

Age 69

14592

/

14004

Age 70

15192

/

14580

Age
Male / Female
Age 71

15792

/

15168

Age 72

16428

/

15780

Age 73

17088

/

16404

Age 74

17772

/

17064

Age 75

18468

/

17736

Age 76

19020

/

18276

Age 77

19404

/

18636

Age 78

19800

/

19020

Age 79

20196

/

19392

Age 80

20604

/

19788

Age
Male / Female
Age 81

21012

/

20184

Age 82

21432

/

20592

Age 83

21864

/

21000

Age 84

22296

/

21420

Age 85

22740

/

21840

Age 86

23184

/

22284

Age 87

23652

/

22716

Age 88

24120

/

23172

Age 89

24588

/

23628

Age 90

25080

/

24096

Age
Male / Female
Age 91

25332

/

24336

Age 92

25584

/

24576

Age 93

25836

/

24828

Age 94

26088

/

25068

Age 95

26352

/

25320

Age 96

26616

/

25572

Age 97

26880

/

25824

Age 98

27144

/

26076

Age 99

27408

/

26340

Age 100

28212

/

27108

Age
Male / Female
Age 1

-

Age 2

-

Age 3

-

Age 4

-

Age 5

-

Age 6

-

Age 7

-

Age 8

-

Age 9

-

Age 10

-

Age
Male / Female
Age 11

-

Age 12

-

Age 13

-

Age 14

-

Age 15

-

Age 16

-

Age 17

-

Age 18

3680

/

3680

Age 19

3680

/

3680

Age 20

3747

/

3747

Age
Male / Female
Age 21

3794

/

3794

Age 22

3846

/

3846

Age 23

3946

/

3946

Age 24

4042

/

4042

Age 25

4141

/

4141

Age 26

4242

/

4242

Age 27

4346

/

4346

Age 28

4451

/

4451

Age 29

4560

/

4560

Age 30

4671

/

4671

Age
Male / Female
Age 31

4786

/

4786

Age 32

4902

/

4902

Age 33

5022

/

5022

Age 34

5144

/

5144

Age 35

5240

/

5240

Age 36

5256

/

5256

Age 37

5321

/

5321

Age 38

5454

/

5454

Age 39

5572

/

5572

Age 40

5764

/

5764

Age
Male / Female
Age 41

5976

/

5976

Age 42

6194

/

6194

Age 43

6421

/

6421

Age 44

6656

/

6656

Age 45

6899

/

6899

Age 46

7151

/

7151

Age 47

7412

/

7412

Age 48

7683

/

7683

Age 49

7964

/

7964

Age 50

8256

/

8256

Age
Male / Female
Age 51

8619

/

8619

Age 52

8998

/

8998

Age 53

9393

/

9393

Age 54

9807

/

9807

Age 55

10238

/

10238

Age 56

10709

/

10709

Age 57

11201

/

11201

Age 58

11717

/

11717

Age 59

12256

/

12256

Age 60

12819

/

12819

Age
Male / Female
Age 61

13434

/

13434

Age 62

14079

/

14079

Age 63

14754

/

14754

Age 64

15462

/

15462

Age 65

16204

/

16204

Age 66

17014

/

17014

Age 67

17866

/

17866

Age 68

18759

/

18759

Age 69

19697

/

19697

Age 70

20681

/

20681

Age
Male / Female
Age 71

21757

/

21757

Age 72

22888

/

22888

Age 73

24078

/

24078

Age 74

25330

/

25330

Age 75

26647

/

26647

Age 76

28086

/

28086

Age 77

29602

/

29602

Age 78

31201

/

31201

Age 79

32886

/

32886

Age 80

34661

/

34661

Age
Male / Female
Age 81

35008

/

35008

Age 82

35358

/

35358

Age 83

35711

/

35711

Age 84

36068

/

36068

Age 85

36429

/

36429

Age 86

36793

/

36793

Age 87

37161

/

37161

Age 88

37532

/

37532

Age 89

37908

/

37908

Age 90

38287

/

38287

Age
Male / Female
Age 91

38670

/

38670

Age 92

39057

/

39057

Age 93

39448

/

39448

Age 94

39842

/

39842

Age 95

40241

/

40241

Age 96

40643

/

40643

Age 97

41050

/

41050

Age 98

41460

/

41460

Age 99

41874

/

41874

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

No restriction

No restriction

Benefit Items(1)

a) Room and Board (per day)

$880 per day (7)

$750 per day (Max. 180days per Policy Year)

b) Miscellaneous Charges (per policy year)

$14000

$14,000

c) Attending Doctor’s Visit Fee(per day)

$750 per day (7)

$750 per day (Max. 180days per Policy Year)

d) Specialist’s Fee (per policy year)(2)

$4300

$4,300

e) Intensive Care (per day)

$3,500 per day (Max. 60 days per Policy Year)

$3,500 per day (Max. 25 days per Policy Year)

f) Surgeon’s Fee (per surgery)

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable

i) Prescribed Diagnostic Imaging Tests (per policy year)(2) (3)

$26,000 (subject to 30% Coinsurance)

$20,000 Subject to 30% Coinsurance

j) Prescribed Non-surgical Cancer Treatments (per policy year)(4)

$80,000

$80,000

k) Pre- and Post-Confinement / Day Case Procedure Outpatient Care(per visit)(2)

$580 per visit, up to $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)

$580per visit, up to $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)

i) Psychiatric Treatments (per policy year)

$30,000

$30,000

Enhanced Benefit Items

a) Accident Emergency Outpatient Treatments

$8,000 per Policy Year

Nil

b) Outpatient Kidney Dialysis

$50,000 per Policy Year

$30,000 per Policy Year

c) Post-confinement Daily Home Nursing

$500 per day
•Only payable for daily nursing services provided within 180 days after discharge from Confinement

Nil

d) Rehabilitative Care

$750 per day, up to $10,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

Nil

e) Hospital Companion Bed

$350 per day

Nil

f) Supplementary Major Medical Benefit

$120,000 per Policy Year
Subject to 20% Coinsurance

$120,000 per Policy Year (10)
Subject to 20% Coinsurance

Other Benefit

a) Day Case Procedure Cash Benefit

$500 per surgical procedure

Nil

b) Special Bonus

$400 per day
Maximum 90 days per Policy Year

Nil

c) Medical Negligence Benefit

$1,000,000 on death of the Insured Person

Nil

d) Total and Permanent Incapacity Income Benefit

$500 per week (payable for 52 weeks)

Nil

Annual Benefit Limit


$600,000 per Policy Year (8)
• for Benefit items (a) - (l) and 2(a) - (e)

$540,000 per Policy Year

Lifetime Benefit LImit

Nil
• for benefit items (a) - (l), 2(a) - (f) and 3(a) - (d)

Nil

Key Features

• Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
• Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
• BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
• Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips

• DoctorNow app for virtual consultation and medication
• Cashless hospitalisation (9)
• Medical Classification Hotline and Care Manager

Promotion

Successfully enrol & get BowtieCash (11)

• Buy online for an exclusive offer of 15% off your first-year premium
• Additional 10% discount available for spouse or kids

Deductible (per policy year) (HKD)

Nil

Nil

VHIS Certification Number

F00031-01-000-01

F00012-01-000-01

Product Brochure

Bowtie Product Brochure

Cigna Product Brochure

Policy Provisions

Bowtie Policy Provisions

Cigna Policy Provisions

Company Background

Bowtie Company Background

Cigna Company Background

Notes

(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.
(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) Annual Benefit Limit does apply to benefit items 1(a)-(i) and 2(a)-(e), but does not apply to 2(f) and 3(a) to (d) in the table above.
(7) This benefit is not subject to a maximum of 180 days per Policy Year as set out in the Standard Plan Terms and Benefits.
(8) Annual Benefit Limit does not apply to benefit items 2(f) and 3(a) to (d) in the table above.
(9) Only applicable to Eligible Expenses.
(10) For Eligible Expenses resulting from Confinement, this benefit shall only be payable for Medical Services provided in a Standard Ward, or in a higher ward class where proof of involuntary ward upgrade is available from the service provider.
(11) BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program.
(12) Clinical, Dental and Maternity Benefit) and free benefits and services are not part of the VHIS certified plan. The premiums paid (if any) are not eligible for claiming tax deduction, any child discount and/or no claim renewal discount.
 

Plan Name

Bowtie VHIS Flexi - Plus

VHIS Flexi Plan (Superior) - $0 Deductible

Plan Type

Flexi Plan

Flexi Plan

Geographical Cover

Worldwide
(For psychiatric treatment, rehabilitative care and medical negligence benefit, the territorial scope only covers Hong Kong)

Asia(12) (13)
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Annual Premium

Smoking StatusSmoking status when the policy is issued

Attained age Attained age when the policy is issued

Non-smoker Aged 21 - 30
Age
Male / Female
Age 1

7068

/

6228

Age 2

6900

/

5676

Age 3

6168

/

5076

Age 4

5808

/

4656

Age 5

5244

/

4200

Age 6

4668

/

3732

Age 7

4164

/

3528

Age 8

4008

/

3360

Age 9

3660

/

3156

Age 10

3348

/

2976

Age
Male / Female
Age 11

3252

/

3000

Age 12

3060

/

2928

Age 13

3012

/

3024

Age 14

2976

/

3156

Age 15

2964

/

3288

Age 16

3036

/

3408

Age 17

3144

/

3504

Age 18

3180

/

3516

Age 19

3204

/

3528

Age 20

3264

/

3600

Age
Male / Female
Age 21

3516

/

3684

Age 22

3600

/

3792

Age 23

3744

/

3948

Age 24

3828

/

4128

Age 25

3912

/

4344

Age 26

4056

/

4728

Age 27

4104

/

4920

Age 28

4188

/

5124

Age 29

4236

/

5268

Age 30

4320

/

5640

Age
Male / Female
Age 31

4500

/

5712

Age 32

4668

/

5820

Age 33

4848

/

5892

Age 34

5016

/

5940

Age 35

5100

/

6036

Age 36

5412

/

6288

Age 37

5580

/

6624

Age 38

5796

/

6912

Age 39

5976

/

7140

Age 40

6192

/

7356

Age
Male / Female
Age 41

6576

/

7572

Age 42

6960

/

7812

Age 43

7284

/

8076

Age 44

7440

/

8292

Age 45

7596

/

8928

Age 46

7860

/

9312

Age 47

8448

/

9600

Age 48

8796

/

9948

Age 49

9288

/

10368

Age 50

9864

/

10488

Age
Male / Female
Age 51

10560

/

10716

Age 52

11256

/

10836

Age 53

11784

/

11124

Age 54

12372

/

11412

Age 55

12960

/

11712

Age 56

13596

/

12072

Age 57

14484

/

12708

Age 58

15444

/

13344

Age 59

16440

/

14016

Age 60

17688

/

14916

Age
Male / Female
Age 61

18840

/

15732

Age 62

19956

/

16536

Age 63

21012

/

17436

Age 64

22008

/

18288

Age 65

23028

/

19224

Age 66

24024

/

20100

Age 67

25020

/

21036

Age 68

25980

/

21876

Age 69

26976

/

22776

Age 70

28152

/

23856

Age
Male / Female
Age 71

29304

/

24912

Age 72

30456

/

26004

Age 73

31728

/

27204

Age 74

33048

/

28452

Age 75

34356

/

29712

Age 76

35580

/

30888

Age 77

36816

/

32112

Age 78

38004

/

33288

Age 79

39228

/

34488

Age 80

40500

/

35796

Age
Male / Female
Age 81

41700

/

37020

Age 82

42960

/

38256

Age 83

44244

/

39552

Age 84

45588

/

40920

Age 85

46848

/

42276

Age 86

47916

/

43296

Age 87

48924

/

44268

Age 88

49848

/

45096

Age 89

50676

/

45840

Age 90

51576

/

46716

Age
Male / Female
Age 91

52212

/

47280

Age 92

52764

/

47748

Age 93

53340

/

48252

Age 94

53928

/

48756

Age 95

54504

/

49284

Age 96

55128

/

49824

Age 97

55752

/

50400

Age 98

56400

/

50988

Age 99

57072

/

51648

Age 100

57564

/

52380

Age
Male / Female
Age 1

9154

/

9154

Age 2

8137

/

8137

Age 3

8137

/

8137

Age 4

8137

/

8137

Age 5

7943

/

7943

Age 6

7749

/

7749

Age 7

7555

/

7555

Age 8

7362

/

7362

Age 9

7168

/

7168

Age 10

6974

/

6974

Age
Male / Female
Age 11

6781

/

6781

Age 12

6587

/

6587

Age 13

6393

/

6393

Age 14

6199

/

6199

Age 15

6006

/

6006

Age 16

6074

/

6074

Age 17

6125

/

6125

Age 18

6158

/

6158

Age 19

6402

/

6402

Age 20

6646

/

6646

Age
Male / Female
Age 21

6816

/

6816

Age 22

6993

/

6993

Age 23

7171

/

7171

Age 24

7357

/

7357

Age 25

7546

/

7546

Age 26

7740

/

7740

Age 27

7938

/

7938

Age 28

8143

/

8143

Age 29

8353

/

8353

Age 30

8566

/

8566

Age
Male / Female
Age 31

8789

/

8789

Age 32

9014

/

9014

Age 33

9246

/

9246

Age 34

9485

/

9485

Age 35

9728

/

9728

Age 36

9978

/

9978

Age 37

10236

/

10236

Age 38

10498

/

10498

Age 39

10767

/

10767

Age 40

11088

/

11088

Age
Male / Female
Age 41

11529

/

11529

Age 42

12031

/

12031

Age 43

12557

/

12557

Age 44

13106

/

13106

Age 45

13678

/

13678

Age 46

14276

/

14276

Age 47

14898

/

14898

Age 48

15550

/

15550

Age 49

16229

/

16229

Age 50

16937

/

16937

Age
Male / Female
Age 51

17767

/

17767

Age 52

18638

/

18638

Age 53

19551

/

19551

Age 54

20509

/

20509

Age 55

21514

/

21514

Age 56

22568

/

22568

Age 57

23674

/

23674

Age 58

24834

/

24834

Age 59

26051

/

26051

Age 60

27327

/

27327

Age
Male / Female
Age 61

28666

/

28666

Age 62

30071

/

30071

Age 63

31544

/

31544

Age 64

33090

/

33090

Age 65

34711

/

34711

Age 66

36412

/

36412

Age 67

38196

/

38196

Age 68

40068

/

40068

Age 69

42031

/

42031

Age 70

44091

/

44091

Age
Male / Female
Age 71

46251

/

46251

Age 72

48517

/

48517

Age 73

50894

/

50894

Age 74

53388

/

53388

Age 75

56004

/

56004

Age 76

58748

/

58748

Age 77

61627

/

61627

Age 78

64647

/

64647

Age 79

67815

/

67815

Age 80

71138

/

71138

Age
Male / Female
Age 81

74268

/

74268

Age 82

77536

/

77536

Age 83

80948

/

80948

Age 84

84510

/

84510

Age 85

88228

/

88228

Age 86

92110

/

92110

Age 87

96163

/

96163

Age 88

100394

/

100394

Age 89

104811

/

104811

Age 90

109423

/

109423

Age
Male / Female
Age 91

114238

/

114238

Age 92

119264

/

119264

Age 93

124512

/

124512

Age 94

129991

/

129991

Age 95

135711

/

135711

Age 96

141682

/

141682

Age 97

147916

/

147916

Age 98

154424

/

154424

Age 99

161219

/

161219

Age 100

-

Age
Male / Female
Age 1

7068

/

6228

Age 2

6900

/

5676

Age 3

6168

/

5076

Age 4

5808

/

4656

Age 5

5244

/

4200

Age 6

4668

/

3732

Age 7

4164

/

3528

Age 8

4008

/

3360

Age 9

3660

/

3156

Age 10

3348

/

2976

Age
Male / Female
Age 11

3252

/

3000

Age 12

3060

/

2928

Age 13

3012

/

3024

Age 14

2976

/

3156

Age 15

2964

/

3288

Age 16

3036

/

3408

Age 17

3144

/

3504

Age 18

3408

/

3720

Age 19

3612

/

3948

Age 20

3828

/

4200

Age
Male / Female
Age 21

4140

/

4320

Age 22

4200

/

4368

Age 23

4428

/

4620

Age 24

4656

/

4860

Age 25

4704

/

5184

Age 26

4812

/

5568

Age 27

4860

/

5784

Age 28

4932

/

5988

Age 29

4992

/

6228

Age 30

5112

/

6624

Age
Male / Female
Age 31

5292

/

6732

Age 32

5496

/

6864

Age 33

5712

/

7020

Age 34

5916

/

7248

Age 35

6120

/

7536

Age 36

6360

/

7860

Age 37

6600

/

8256

Age 38

6816

/

8640

Age 39

7056

/

8892

Age 40

7308

/

9144

Age
Male / Female
Age 41

7752

/

9432

Age 42

8208

/

9744

Age 43

8580

/

10080

Age 44

8868

/

10332

Age 45

9180

/

10800

Age 46

9528

/

11256

Age 47

10140

/

11472

Age 48

10572

/

11880

Age 49

11004

/

12276

Age 50

11736

/

12396

Age
Male / Female
Age 51

12468

/

12540

Age 52

13212

/

12720

Age 53

13860

/

13044

Age 54

14520

/

13380

Age 55

15216

/

13740

Age 56

15936

/

14160

Age 57

17040

/

14880

Age 58

18144

/

15648

Age 59

19284

/

16440

Age 60

20760

/

17508

Age
Male / Female
Age 61

22092

/

18492

Age 62

23448

/

19464

Age 63

24636

/

20460

Age 64

25704

/

21408

Age 65

26952

/

22536

Age 66

28116

/

23616

Age 67

29340

/

24708

Age 68

30468

/

25752

Age 69

31668

/

26856

Age 70

33072

/

28176

Age
Male / Female
Age 71

34416

/

29436

Age 72

35760

/

30708

Age 73

37272

/

32112

Age 74

38796

/

33600

Age 75

40260

/

35064

Age 76

41688

/

36456

Age 77

43116

/

37872

Age 78

44496

/

39252

Age 79

45876

/

40656

Age 80

47292

/

42120

Age
Male / Female
Age 81

48708

/

43584

Age 82

50160

/

45048

Age 83

51720

/

46608

Age 84

53340

/

48216

Age 85

54708

/

49728

Age 86

55884

/

50820

Age 87

57060

/

51900

Age 88

58104

/

52848

Age 89

59064

/

53736

Age 90

60144

/

54708

Age
Male / Female
Age 91

60960

/

55404

Age 92

61656

/

56028

Age 93

62388

/

56640

Age 94

63132

/

57300

Age 95

63936

/

57972

Age 96

64716

/

58668

Age 97

65544

/

59376

Age 98

66396

/

60168

Age 99

67320

/

60996

Age 100

67440

/

61260

Age
Male / Female
Age 1

-

Age 2

-

Age 3

-

Age 4

-

Age 5

-

Age 6

-

Age 7

-

Age 8

-

Age 9

-

Age 10

-

Age
Male / Female
Age 11

-

Age 12

-

Age 13

-

Age 14

-

Age 15

-

Age 16

-

Age 17

-

Age 18

6842

/

6842

Age 19

7113

/

7113

Age 20

7384

/

7384

Age
Male / Female
Age 21

7573

/

7573

Age 22

7770

/

7770

Age 23

7968

/

7968

Age 24

8174

/

8174

Age 25

8384

/

8384

Age 26

8600

/

8600

Age 27

8820

/

8820

Age 28

9048

/

9048

Age 29

9281

/

9281

Age 30

9518

/

9518

Age
Male / Female
Age 31

9766

/

9766

Age 32

10016

/

10016

Age 33

10273

/

10273

Age 34

10539

/

10539

Age 35

10809

/

10809

Age 36

11087

/

11087

Age 37

11373

/

11373

Age 38

11664

/

11664

Age 39

11963

/

11963

Age 40

12320

/

12320

Age
Male / Female
Age 41

12810

/

12810

Age 42

13368

/

13368

Age 43

13952

/

13952

Age 44

14562

/

14562

Age 45

15198

/

15198

Age 46

15862

/

15862

Age 47

16553

/

16553

Age 48

17278

/

17278

Age 49

18032

/

18032

Age 50

18819

/

18819

Age
Male / Female
Age 51

19741

/

19741

Age 52

20709

/

20709

Age 53

21723

/

21723

Age 54

22788

/

22788

Age 55

23904

/

23904

Age 56

25076

/

25076

Age 57

26304

/

26304

Age 58

27593

/

27593

Age 59

28946

/

28946

Age 60

30363

/

30363

Age
Male / Female
Age 61

31851

/

31851

Age 62

33412

/

33412

Age 63

35049

/

35049

Age 64

36767

/

36767

Age 65

38568

/

38568

Age 66

40458

/

40458

Age 67

42440

/

42440

Age 68

44520

/

44520

Age 69

46701

/

46701

Age 70

48990

/

48990

Age
Male / Female
Age 71

51390

/

51390

Age 72

53908

/

53908

Age 73

56549

/

56549

Age 74

59320

/

59320

Age 75

62227

/

62227

Age 76

65276

/

65276

Age 77

68474

/

68474

Age 78

71830

/

71830

Age 79

75350

/

75350

Age 80

79042

/

79042

Age
Male / Female
Age 81

82520

/

82520

Age 82

86151

/

86151

Age 83

89942

/

89942

Age 84

93900

/

93900

Age 85

98031

/

98031

Age 86

102344

/

102344

Age 87

106848

/

106848

Age 88

111549

/

111549

Age 89

116457

/

116457

Age 90

121581

/

121581

Age
Male / Female
Age 91

126931

/

126931

Age 92

132516

/

132516

Age 93

138347

/

138347

Age 94

144434

/

144434

Age 95

150790

/

150790

Age 96

157424

/

157424

Age 97

164351

/

164351

Age 98

171582

/

171582

Age 99

179132

/

179132

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

No restriction
(Except for supplementary major medical benefit)

Semi-Private or lower(13)

Benefit Items(1)

a) Room and Board (per day)

$2,000 per day(7)

No Dollar Limit
(Max. 180 days per Policy Year)

b) Miscellaneous Charges (per policy year)

$24,000

No Dollar Limit

c) Attending Doctor’s Visit Fee(per day)

$1,500 per day(7)

No Dollar Limit
(Max. 180 days per Policy Year)

d) Specialist’s Fee (per policy year)(2)

$6,450

No Dollar Limit

e) Intensive Care (per day)

$5,500 per day
(Max. 60 days per Policy Year)

No Dollar Limit
(Max. 25 days per Policy Year)

f) Surgeon’s Fee (per surgery)

Complex-$75,000

Major-$37,500

Intermediate-$18,750

Minor-$7,500

No Dollar Limit

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

No Dollar Limit

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

No Dollar Limit

i) Prescribed Diagnostic Imaging Tests (per policy year)(2) (3)

$40,000
Subject to 30% Coinsurance

No Dollar Limit

j) Prescribed Non-surgical Cancer Treatments (per policy year)(4)

$160,000

No Dollar Limit

k) Pre- and Post-Confinement / Day Case Procedure Outpatient Care(per visit)(2)

$1,100per visit, up to $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)

$580per visit, up to $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)

i) Psychiatric Treatments (per policy year)

$37,500

$30,000

Enhanced Benefit Items

a) Accident Emergency Outpatient Treatments

$8,000 per Policy Year

Nil

b) Outpatient Kidney Dialysis

$100,000 per Policy Year

No Dollar Limit

c) Post-confinement Daily Home Nursing

$800 per day
• Only payable for daily nursing services provided within 180 days after discharge from Confinement

Nil

d) Rehabilitative Care

$1,500 per day, up to $20,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

Nil

e) Hospital Companion Bed

$800 per day

Nil

f) Supplementary Major Medical Benefit

$220,000 per Policy Year
Subject to 20% Coinsurance

Nil

Other Benefit

a) Day Case Procedure Cash Benefit

$800 per surgical procedure

Nil

b) Special Bonus

$600 per day
Maximum 90 days per Policy Year

Nil

c) Medical Negligence Benefit

$1,000,000 on death of the Insured Person

Nil

d) Total and Permanent Incapacity Income Benefit

$800 per week (payable for 52 weeks)

Nil

Annual Benefit Limit

$1,000,000 per Policy Year(8)
• for Benefit items (a) - (l) and 2(a) - (e)

$5,000,000 per Policy Year

Lifetime Benefit LImit

Nil
• for benefit items (a) - (l), 2(a) - (f) and 3(a) - (d)

$20,000,000