{"attribution":{"compiledBy":"Hong Kong Insurance Connect","compiledByZh":"港險通","legalName":"Pineapple bun bun Limited","url":"https://buyhongkonginsurance.com","license":"© Hong Kong Insurance Connect (Pineapple bun bun Limited). CC BY 4.0: cite us with a link; figures are insurers' disclosures.","cite":"Cite as “Hong Kong Insurance Connect (Pineapple bun bun Limited), buyhongkonginsurance.com” with a link."},"group":{"slug":"insurer-bowtie-life-insurance-company-limited-medical-vhis","kind":"insurer","type":"medical-vhis"},"summary":{"en":"This page compares 3 products. Compare recorded product facts and their public sources. Payment options, age conditions and currencies remain separate facts. Shared labels do not confirm eligibility. Check each option's conditions.","zh-hant":"本頁比較 3 款產品。 比較已記錄的產品事實及公開來源。繳費選項、年齡條件及貨幣分別列示。 相同標籤不代表符合投保資格；請核對各選項條件。","zh-hans":"本页比较 3 款产品。 比较已记录的产品事实及公开来源。缴费选项、年龄条件及货币分别列示。 相同标签不代表符合投保资格；请核对各选项条件。"},"ratioCaveat":{"en":"Past fulfillment ratios do not indicate future performance. Non-guaranteed benefits can change. These tables provide general information, without rankings or product recommendations.","zh-hant":"過往分紅實現率並非未來表現的指標。非保證利益可能 改變。此處僅提供一般資訊，沒有排名或產品推薦。","zh-hans":"过往分红实现率并非未来表现的指标。非保证利益可能 改变。此处仅提供一般信息，没有排名或产品推荐。"},"comparableFields":["type","currencies","benefitTerm","keyFeatures","vhisPlanType","annualLimit","lifetimeLimit","renewal","keyExclusions"],"products":[{"slug":"bowtie-bowtie-pink-vhis-plan","names":{"en":"Bowtie Pink VHIS Plan","zh-hant":"保泰粉紅自願醫保計劃","zh-hans":"保泰粉红自愿医保计划"},"nameBasis":"insurer-published","insurerSlug":"bowtie-life-insurance-company-limited","productPaths":["/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-pink-vhis-plan/","/zh-hant/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-pink-vhis-plan/","/zh-hans/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-pink-vhis-plan/"],"insurerPaths":["/insurers/bowtie-life-insurance-company-limited/","/zh-hant/insurers/bowtie-life-insurance-company-limited/","/zh-hans/insurers/bowtie-life-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":15,"title":"Health Bureau — Bowtie Pink VHIS Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。","zh-hans":"医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"}],"display":{"en":["VHIS Flexi Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保靈活計劃；保障、不保事項及自付費視所選認可選項而定。"],"zh-hans":["医务卫生局名单上的自愿医保灵活计划；保障、不保事项及自付费视所选认可选项而定。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — certified flexi plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Flexi Plan","zh-hant":"靈活計劃","zh-hans":"灵活计划"}],"display":{"en":["Flexi Plan"],"zh-hant":["靈活計劃"],"zh-hans":["灵活计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/flexi-plans.json","page":null,"title":"Health Bureau — current certified flexi plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Semi-Private Room - HKD0 Deductible: HKD 10,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"半私家房 - 0港元自付費：表列指定保障每保單年度限額 HKD 10,000,000；另設個別保障限額。","zh-hans":"半私家房 - 0港元自付费：表列指定保障每保单年度限额 HKD 10,000,000；另设个别保障限额。"},{"en":"Private Room - HKD0 Deductible: HKD 20,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"私家房 - 0港元自付費：表列指定保障每保單年度限額 HKD 20,000,000；另設個別保障限額。","zh-hans":"私家房 - 0港元自付费：表列指定保障每保单年度限额 HKD 20,000,000；另设个别保障限额。"},{"en":"Ward Room - HKD0 Deductible: HKD 8,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"普通房 - 0港元自付費：表列指定保障每保單年度限額 HKD 8,000,000；另設個別保障限額。","zh-hans":"普通房 - 0港元自付费：表列指定保障每保单年度限额 HKD 8,000,000；另设个别保障限额。"}],"display":{"en":["Semi-Private Room - HKD0 Deductible: HKD 10,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Private Room - HKD0 Deductible: HKD 20,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","Ward Room - HKD0 Deductible: HKD 8,000,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["半私家房 - 0港元自付費：表列指定保障每保單年度限額 HKD 10,000,000；另設個別保障限額。","私家房 - 0港元自付費：表列指定保障每保單年度限額 HKD 20,000,000；另設個別保障限額。","普通房 - 0港元自付費：表列指定保障每保單年度限額 HKD 8,000,000；另設個別保障限額。"],"zh-hans":["半私家房 - 0港元自付费：表列指定保障每保单年度限额 HKD 10,000,000；另设个别保障限额。","私家房 - 0港元自付费：表列指定保障每保单年度限额 HKD 20,000,000；另设个别保障限额。","普通房 - 0港元自付费：表列指定保障每保单年度限额 HKD 8,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Semi-Private Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-05-000-07-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Private Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-09-000-04-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Ward Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Semi-Private Room - HKD0 Deductible: HKD 50,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"半私家房 - 0港元自付費：表列指定保障終身限額 HKD 50,000,000；另設個別保障限額。","zh-hans":"半私家房 - 0港元自付费：表列指定保障终身限额 HKD 50,000,000；另设个别保障限额。"},{"en":"Private Room - HKD0 Deductible: HKD 80,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"私家房 - 0港元自付費：表列指定保障終身限額 HKD 80,000,000；另設個別保障限額。","zh-hans":"私家房 - 0港元自付费：表列指定保障终身限额 HKD 80,000,000；另设个别保障限额。"},{"en":"Ward Room - HKD0 Deductible: HKD 40,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"普通房 - 0港元自付費：表列指定保障終身限額 HKD 40,000,000；另設個別保障限額。","zh-hans":"普通房 - 0港元自付费：表列指定保障终身限额 HKD 40,000,000；另设个别保障限额。"}],"display":{"en":["Semi-Private Room - HKD0 Deductible: HKD 50,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","Private Room - HKD0 Deductible: HKD 80,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply.","Ward Room - HKD0 Deductible: HKD 40,000,000 lifetime for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["半私家房 - 0港元自付費：表列指定保障終身限額 HKD 50,000,000；另設個別保障限額。","私家房 - 0港元自付費：表列指定保障終身限額 HKD 80,000,000；另設個別保障限額。","普通房 - 0港元自付費：表列指定保障終身限額 HKD 40,000,000；另設個別保障限額。"],"zh-hans":["半私家房 - 0港元自付费：表列指定保障终身限额 HKD 50,000,000；另设个别保障限额。","私家房 - 0港元自付费：表列指定保障终身限额 HKD 80,000,000；另设个别保障限额。","普通房 - 0港元自付费：表列指定保障终身限额 HKD 40,000,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Semi-Private Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-05-000-07-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Private Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-09-000-04-PlanDoc-e.pdf","page":38,"title":"Health Bureau — Bowtie Pink VHIS Plan — Ward Room - HKD0 Deductible benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證終身續保；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证终身续保；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed lifetime renewal; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證終身續保；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证终身续保；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":15,"title":"Health Bureau — Bowtie Pink VHIS Plan renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":26,"title":"Health Bureau — Bowtie Pink VHIS Plan general exclusions","date":null,"checkedOn":"2026-10-12"},{"url":"https://www.vhis.gov.hk/doc/certifiedplan/fp/F00060/F00060-01-000-07-PlanDoc-e.pdf","page":27,"title":"Health Bureau — Bowtie Pink VHIS Plan general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]},{"slug":"bowtie-vhis-flexi","names":{"en":"Bowtie VHIS Flexi","zh-hant":"Bowtie 自願醫保 (靈活計劃)","zh-hans":null},"nameBasis":"insurer-published","insurerSlug":"bowtie-life-insurance-company-limited","productPaths":["/insurers/bowtie-life-insurance-company-limited/bowtie-vhis-flexi/","/zh-hant/insurers/bowtie-life-insurance-company-limited/bowtie-vhis-flexi/","/zh-hans/insurers/bowtie-life-insurance-company-limited/bowtie-vhis-flexi/"],"insurerPaths":["/insurers/bowtie-life-insurance-company-limited/","/zh-hant/insurers/bowtie-life-insurance-company-limited/","/zh-hans/insurers/bowtie-life-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.bowtie.com.hk/en/insurance/vhis/flexi","page":null,"title":"Bowtie VHIS Flexi — official product page","date":null,"checkedOn":"2026-10-13"}]},{"field":"keyFeatures","value":[{"en":"VHIS Flexi certified plans: Regular and Plus versions; benefits and limits depend on version.","zh-hant":"自願醫保靈活認證計劃：基本及升級版本；保障及限額視版本而定。","zh-hans":"自愿医保灵活认证计划：基本及升级版本；保障及限额视版本而定。"}],"display":{"en":["VHIS Flexi certified plans: Regular and Plus versions; benefits and limits depend on version."],"zh-hant":["自願醫保靈活認證計劃：基本及升級版本；保障及限額視版本而定。"],"zh-hans":["自愿医保灵活认证计划：基本及升级版本；保障及限额视版本而定。"]},"sources":[{"url":"https://www.bowtie.com.hk/en/insurance/vhis/flexi","page":null,"title":"Bowtie VHIS Flexi — official product page","date":null,"checkedOn":"2026-10-13"}]}],"ratioSeries":[]},{"slug":"bowtie-bowtie-vhis-standard","names":{"en":"Bowtie VHIS Standard","zh-hant":"保泰自願醫保 - 標準計劃","zh-hans":"保泰自愿医保 - 标准计划"},"nameBasis":"insurer-published","insurerSlug":"bowtie-life-insurance-company-limited","productPaths":["/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-vhis-standard/","/zh-hant/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-vhis-standard/","/zh-hans/insurers/bowtie-life-insurance-company-limited/bowtie-bowtie-vhis-standard/"],"insurerPaths":["/insurers/bowtie-life-insurance-company-limited/","/zh-hant/insurers/bowtie-life-insurance-company-limited/","/zh-hans/insurers/bowtie-life-insurance-company-limited/"],"facts":[{"field":"type","value":"medical-vhis","display":{"en":["VHIS medical"],"zh-hant":["自願醫保"],"zh-hans":["自愿医保"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"currencies","value":["HKD"],"display":{"en":["HKD"],"zh-hant":["HKD"],"zh-hans":["HKD"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"benefitTerm","value":{"kind":"renewable","value":null,"notes":{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}},"display":{"en":["Renewable / Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["可續保 / 保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["可续保 / 保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-e.pdf","page":15,"title":"Health Bureau — Bowtie VHIS Standard renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyFeatures","value":[{"en":"VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option.","zh-hant":"醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。","zh-hans":"医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"}],"display":{"en":["VHIS Standard Plan listed by the Health Bureau. Benefits, exclusions and deductibles depend on the selected certified option."],"zh-hant":["醫務衞生局名單上的自願醫保標準計劃；保障、不保事項及自付費以所選認可選項為準。"],"zh-hans":["医务卫生局名单上的自愿医保标准计划；保障、不保事项及自付费以所选认可选项为准。"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — certified standard plan names, insurer, currencies and availability","date":null,"checkedOn":"2026-10-12"}]},{"field":"vhisPlanType","value":[{"en":"Standard Plan","zh-hant":"標準計劃","zh-hans":"标准计划"}],"display":{"en":["Standard Plan"],"zh-hant":["標準計劃"],"zh-hans":["标准计划"]},"sources":[{"url":"https://www.vhis.gov.hk/public/data/standard-plans.json","page":null,"title":"Health Bureau — current certified standard plans","date":null,"checkedOn":"2026-10-12"}]},{"field":"annualLimit","value":[{"en":"Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply.","zh-hant":"標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。","zh-hans":"标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"}],"display":{"en":["Standard Plan: HKD 420,000 per policy year for the schedule's specified benefits; separate benefit limits may apply."],"zh-hant":["標準計劃：表列指定保障每保單年度限額 HKD 420,000；另設個別保障限額。"],"zh-hans":["标准计划：表列指定保障每保单年度限额 HKD 420,000；另设个别保障限额。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-e.pdf","page":39,"title":"Health Bureau — Bowtie VHIS Standard — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"lifetimeLimit","value":[{"en":"Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply.","zh-hant":"標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。","zh-hans":"标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"}],"display":{"en":["Standard Plan: no aggregate lifetime cap for the schedule's specified benefits; item limits still apply."],"zh-hant":["標準計劃：表列指定保障不設終身總限額；個別項目限額仍適用。"],"zh-hans":["标准计划：表列指定保障不设终身总限额；个别项目限额仍适用。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-e.pdf","page":39,"title":"Health Bureau — Bowtie VHIS Standard — Standard Plan benefit schedule","date":null,"checkedOn":"2026-10-12"}]},{"field":"renewal","value":[{"en":"Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply.","zh-hant":"保證續保至100歲；保費可按組合調整，須符合保單續保條件。","zh-hans":"保证续保至100岁；保费可按组合调整，须符合保单续保条件。"}],"display":{"en":["Guaranteed renewal up to age 100; premiums may be adjusted on a portfolio basis; policy renewal conditions apply."],"zh-hant":["保證續保至100歲；保費可按組合調整，須符合保單續保條件。"],"zh-hans":["保证续保至100岁；保费可按组合调整，须符合保单续保条件。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-e.pdf","page":15,"title":"Health Bureau — Bowtie VHIS Standard renewal provisions","date":null,"checkedOn":"2026-10-12"}]},{"field":"keyExclusions","value":[{"en":"Treatment, tests and services that are not medically necessary are excluded.","zh-hant":"非醫療必需的治療、檢查及服務不受保。","zh-hans":"非医疗必需的治疗、检查及服务不受保。"},{"en":"Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","zh-hant":"美容服務不受保，保單所列意外及增強保障例外除外。","zh-hans":"美容服务不受保，保单所列意外及增强保障例外除外。"},{"en":"Selected exclusions only; consult the full policy and any case-based exclusions.","zh-hant":"僅列部分不保事項；須參閱完整保單及個別不保事項。","zh-hans":"仅列部分不保事项；须参阅完整保单及个别不保事项。"}],"display":{"en":["Treatment, tests and services that are not medically necessary are excluded.","Cosmetic services are excluded, subject to the accident and enhanced-benefit exceptions stated in the policy.","Selected exclusions only; consult the full policy and any case-based exclusions."],"zh-hant":["非醫療必需的治療、檢查及服務不受保。","美容服務不受保，保單所列意外及增強保障例外除外。","僅列部分不保事項；須參閱完整保單及個別不保事項。"],"zh-hans":["非医疗必需的治疗、检查及服务不受保。","美容服务不受保，保单所列意外及增强保障例外除外。","仅列部分不保事项；须参阅完整保单及个别不保事项。"]},"sources":[{"url":"https://www.vhis.gov.hk/doc/certifiedplan/sp/S00023/S00023-01-000-03-PlanDoc-e.pdf","page":27,"title":"Health Bureau — Bowtie VHIS Standard general exclusions","date":null,"checkedOn":"2026-10-12"}]}],"ratioSeries":[]}]}