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Middle Age People VHIS Premium Comparison

As you enter middle age, the risk of getting ill increases, and health insurance will eventually becomes more expensive. How you could be protected with a fair price? Bowtie shows you how.

Updated on 2023-05-19

VHIS Standard Plans on the market offer similar protection. You may compare premium directly to decide which plan to choose.

Premiums for Middle-Aged Men

Bowtie VHIS Standard is the cheapest plan in Hong Kong!

According to the website of the Health Bureau, the VHIS Standard premiums for men aged 41-60 range from HK$2,292 to HK$15,375.

Bowtie charges up to three times cheaper than the most expensive plan, with a difference of over HK$9,939 per year for a 60 year old.

HK$9,939 can possibly provide health insurance for several family members of different ages!

The Cheapest VS the Most Expensive Plan

Ages	Bowtie	The most expensive VHIS plan	Difference in premium
41	HK$2,292	HK$6,588	HK$4,296
42	HK$2,424	HK$6,588	HK$4,164
43	HK$2,544	HK$6,588	HK$4,044
44	HK$2,664	HK$6,588	HK$3,924
45	HK$2,796	HK$6,588	HK$3,792
46	HK$2,916	HK$6,588	HK$3,672
47	HK$3,036	HK$6,588	HK$3,552
48	HK$3,144	HK$6,588	HK$3,444
49	HK$3,276	HK$6,588	HK$3,312
50	HK$3,420	HK$6,880	HK$3,460
51	HK$3,468	HK$9,666	HK$6,198
52	HK$3,612	HK$9,666	HK$6,054
53	HK$3,804	HK$9,666	HK$5,862
54	HK$3,984	HK$9,666	HK$5,682
55	HK$4,200	HK$9,666	HK$5,466
56	HK$4,392	HK$9,666	HK$5,274
57	HK$4,692	HK$9,966	HK$5,274
58	HK$4,872	HK$10,449	HK$5,577
59	HK$5,076	HK$10,912	HK$5,836
60	HK$5,436	HK$15,375	HK$9,939

Market Overview (Cheapest VS the Average)

For a fair comparison, we also compared Bowtie VHIS Standard with the average annual premium of all standard plans on the market.

For 41-60 years old middle-aged male, the annual premium difference is up to HK$2,600.

HK$2,600 is enough for a 41-44 year old male to buy VHIS!

Ages	Bowtie	Average annual premium of all plans on the market^	Difference
41	HK$2,292	HK$3,184	HK$892
42	HK$2,424	HK$3,306	HK$882
43	HK$2,544	HK$3,443	HK$899
44	HK$2,664	HK$3,583	HK$919
45	HK$2,796	HK$3,771	HK$975
46	HK$2,916	HK$3,917	HK$1,001
47	HK$3,036	HK$4,074	HK$1,038
48	HK$3,144	HK$4,237	HK$1,093
49	HK$3,276	HK$4,402	HK$1,126
50	HK$3,420	HK$4,615	HK$1,195
51	HK$3,468	HK$4,944	HK$1,476
52	HK$3,612	HK$5,186	HK$1,574
53	HK$3,804	HK$5,445	HK$1,641
54	HK$3,984	HK$5,719	HK$1,735
55	HK$4,200	HK$6,076	HK$1,876
56	HK$4,392	HK$6,349	HK$1,957
57	HK$4,692	HK$6,668	HK$1,976
58	HK$4,872	HK$6,996	HK$2,124
59	HK$5,076	HK$7,321	HK$2,245
60	HK$5,436	HK$7,946	HK$2,510

Premiums for Middle-Aged Women

For 41-60 years old middle-aged women, Bowtie VHIS Standard is also the cheapest in town!

According to the Health Bureau’s VHIS website, the premium for the VHIS Standard Plan for 41-60 year old middle-aged women ranges from HK$2,808 to HK$15,375.

Bowtie charges up to HK$10,000 cheaper than the most expensive plan.

HK$10,000 saved can be used to purchase insurance for family members of different ages!

The Cheapest VS the Most Expensive Plan

Ages	Bowtie	The most expensive VHIS	Difference
41	HK$2,808	HK$6,588	HK$3,780
42	HK$2,928	HK$6,588	HK$3,660
43	HK$3,072	HK$6,588	HK$3,516
44	HK$3,180	HK$6,782	HK$3,602
45	HK$3,324	HK$7,021	HK$3,697
46	HK$3,480	HK$7,254	HK$3,774
47	HK$3,636	HK$7,481	HK$3,845
48	HK$3,792	HK$7,689	HK$3,897
49	HK$3,960	HK$7,877	HK$3,917
50	HK$4,068	HK$8,064	HK$3,996
51	HK$4,020	HK$9,666	HK$5,646
52	HK$4,104	HK$9,666	HK$5,562
53	HK$4,188	HK$9,666	HK$5,478
54	HK$4,272	HK$9,666	HK$5,394
55	HK$4,356	HK$9,758	HK$5,402
56	HK$4,464	HK$10,110	HK$5,646
57	HK$4,608	HK$10,465	HK$5,857
58	HK$4,728	HK$10,824	HK$6,096
59	HK$4,884	HK$11,149	HK$6,265
60	HK$5,220	HK$15,375	HK$10,155

Market Overview (Cheapest VS the Average)

To make a fair comparison, we compared Bowtie’s VHIS standard plan with all standard plans on the market (Calculation including Bowtie’s VHIS plan).

Bowtie’s VHIS plan for 41-60 years old middle-aged females is up to $2,600 cheaper than the market average! This amount would allow you to buy another health insurance for another 42-44 year old female.

Ages	Bowtie	Average annual premium of all plans on the market^	Difference
41	HK$2,808	HK$3,953	HK$1,145
42	HK$2,928	HK$4,106	HK$1,178
43	HK$3,072	HK$4,253	HK$1,181
44	HK$3,180	HK$4,402	HK$1,222
45	HK$3,324	HK$4,626	HK$1,302
46	HK$3,480	HK$4,777	HK$1,297
47	HK$3,636	HK$4,926	HK$1,290
48	HK$3,792	HK$5,084	HK$1,292
49	HK$3,960	HK$5,242	HK$1,282
50	HK$4,068	HK$5,393	HK$1,871
51	HK$4,020	HK$5,661	HK$1,641
52	HK$4,104	HK$5,836	HK$1,732
53	HK$4,188	HK$6,022	HK$1,834
54	HK$4,272	HK$6,224	HK$1,952
55	HK$4,356	HK$6,515	HK$2,159
56	HK$4,464	HK$6,724	HK$2,260
57	HK$4,608	HK$6,948	HK$2,340
58	HK$4,728	HK$7,169	HK$2,441
59	HK$4,884	HK$7,400	HK$2,516
60	HK$5,220	HK$7,908	HK$2,688

Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of December 20, 2024. For accurate quotes and product details, please consult each insurance company.
^Do not include the premium of the agreement.

Quote Now!

⚡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 【BLOGLCJAN】to get 30% off the first two 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.

Stay up to date at www.bowtie.com.hk

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.