The Bowtie VHIS Flexi Plan's Supplementary Major Medical (SMM) provides an additional 80% compensation for eligible medical expenses that exceed the specified coverage limits of certain items, effectively serving as a safety net.
Calculation Method
Eligible expenses that exceed the coverage limits of the relevant items x room level adjustment factor (if applicable) x (100% - 20% co-insurance, i.e., 80%). Here's an example for reference:
Bowtie VHIS Flexi SMM Coverage Amounts
|
|
Flexi (Regular) | Flexi (Plus) |
|
SMM Coverage |
HK$120,000 / year No lifetime limit |
HK$220,000 / year |
|
Room Level Restrictions |
Ward Room |
Semi-private Room |
Specified Coverage Items
- Miscellaneous expenses
- Specialist fees
- Intensive care
- Surgical fees
- Anesthesiologist fees
- Operating room charges
- Emergency outpatient treatment for accidents
- Outpatient kidney dialysis
Learn more about compensation examples here.
*Subject to the maximum coverage limit of Bowtie VHIS Flexi Plan's "Supplementary Major Medical" coverage.