  It is shown that the bi-maximal solution is the only possibility to reconcile
Zee-type neutrino mass matrix with three flavors to the current atmospheric and
solar neutrino experimental data. The mass of the lightest neutrino, which
consist mostly of $\nu_{\mu}$ and $\nu_{\tau}$, is $\simeq \Delta
m_{\odot}^2/(2\sqrt{\Delta m_{atm}^2})$. The related topics on Zee-type
neutrino mass matrix are also discussed.
