VHIS-EN

Does VHIS cover dental care?

In addition to physical body health, dental health is also very important. Neglecting dental health can lead to serious illnesses such as periodontal disease, causing unbearable pain. As one of the most popular medical insurances on the market, does VHIS provide coverage for dental check-ups and treatments? Let Bowtie dive deep with you!

Updated on 2024-07-17

VHIS will provide coverage for emergency surgery during confinement arising from an accident (such as teeth being broken due to sudden impact), but will not cover daily dental care such as cleaning, root canal treatment, fillings, and other similar services, nor will it cover services related to the appearance of teeth, such as braces and teeth whitening.

Coverage for dental surgery

Taking Bowtie VHIS as an example, the coverage for different plans is as follows:

	Flexi Regular	Flexi Plus	Bowtie Pink (High-end VHIS)
Surgeon’s fee	HK$6,000 / session	HK$9,000/session	Full Coverage*
Anaesthetist’s fee	HK$2,100/session	HK$3,200/session	Full Coverage*
Operating theatre charges	HK$2,100/session	HK$3,200/session	Full Coverage*

*The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.

How to obtain additional outpatient coverage?

Since most VHIS on the market do not cover dental expenses, Bowtie has launched BowtieGo outpatient membership to further fill the coverage gap, allowing insured persons of Bowtie VHIS to receive dental check-ups or cleaning services at up to half the price.

In addition to dental care, BowtieGo’s outpatient benefits also include general outpatient, traditional Chinese medicine outpatient, 24 specialist outpatient clinics, and physiotherapy services.

Customers who successfully enroll in Bowtie VHIS will automatically become members of BowtieGo, and can enjoy high-quality outpatient services at a discounted price without any claim procedures. There is no limit on the number of times used within the effective period, making it very flexible and convenient.

Compare different Bowtie VHIS plans

⚡Bowtie VHIS Learning Centre Promo！

Tired of sky-high private hospital bills but hesitant about purchasing VHIS? Bowtie Pink provides full coverage*, with long-term premiums are substantially lower than market rates^.

For a limited time, use the exclusive Bowtie Learning Centre promo code 【BLOGMARLEARNING】to get 60% off the first year’s premium and secure top-tier health protection at an unbeatable price!

At the same time, for just HK$200 per month, policyholders can add on the GHK Wellness Package / CUHKMC Wellness Package, providing comprehensive coverage for your medical needs!

^{*Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, a pre-existing condition, “List of Designated Hospitals in Mainland China” and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.}
^{^For example, with Bowtie Pink (Ward) and the deductible option HK$80,000, the monthly premium for a 30-year-old non-smoker is HK$197. The premium comparison above is based on similar medical insurance plans with the ward level (data source on 27, July 2023), HK$50,000 to HK$80,000 deductibles, for a 30-year-old non-smoker. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.}

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Author

Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021.

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The content of this article is provided by Bowtie Team and serves for reference only. It does not represent Bowtie's position. Bowtie assumes no responsibility for any loss or damage incurred by any person as a result of using, misusing, or relying on any information or content herein. Any content related to Bowtie products in this article is for reference and educational purposes only. Customers should refer to the detailed terms and conditions on the relevant product web pages.