Individual Bowtie VHIS plans adjust coverage based on the ward class, so we recommend you choose a plan that best suits your hospitalization needs.

If the insured person is assigned to a higher room type due to reasons beyond their or the policyholder's control, such as limited room availability or the need for isolation, and can provide written proof from the hospital, their claim will not be affected.

The Basic benefits of Bowtie VHIS Standard and Bowtie VHIS Flexi both offer the coverage without ward class restrictions, but the Supplementary Major Medical (SMM) under Bowtie VHIS Flexi has an adjustment factor on the rate of compensation according to the ward class that the insured admitted to during hospitalization. Details are as follows:

While BowtiePink VHIS has various adjustment factors/compensation ratios depending on the ward class section:

Example: If you have the Bowtie Pink VHIS (Ward Room - Deductible HK$80,000) but are admitted to a semi-private room during treatment, and your eligible medical expenses total HK$100,000, you will only be reimbursed HK$50,000.