There is no restriction. But we have suggested the ward type for each VHIS plan based on the benefit limit. If the insured person is hospitalized in a higher-level ward room than the ward level suggested by Bowtie, the reimbursement rate may be lower than expected.
Pink VHIS (Semi-Private) |
Pink VHIS (Private) |
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Room suggested |
Standard room |
Standard room |
Semi-private room |
Semi-private room |
Private room |
Below reasons would not affect reimbursement amount:
- Unavailability of ward or room shortage for emergency treatment;
- Isolation reasons requiring confinement in the higher ward class;
- For any other reason not involving the Policyholder's and/or Insured Person's personal preference.
Besides ward level, Bowtie’s VHIS series provide different areas of coverage and benefit limit.
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