No. However, when you receive treatment in a Standard Private Room or a ward of a higher level, there will be an adjustment factor. In other words, the relevant expenses will only be reimbursed at a specified compensation ratios. There is no adjustment factor for stays in standard rooms or standard semi-private rooms. Details are as follows:
| Ward Class Occupied by the Insured | BowtiePink Adjustment Factors / Compensation Ratios |
| Standard Ward | 100% |
| Standard Semi-Private Room | 100% |
| Standard Private Room | 50% |
| Higher than Standard Private Room | 25% |