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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$2,160 to HK$15,375.

Bowtie charges up to three times cheaper than the most expensive plan, with a difference of over HK$10,107 per year for a 60 year old.

HK$10,107 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$2,160	HK$6,588	HK$4,428
42	HK$2,280	HK$6,588	HK$4,308
43	HK$2,400	HK$6,588	HK$4,188
44	HK$2,508	HK$6,588	HK$4,080
45	HK$2,628	HK$6,588	HK$3,960
46	HK$2,748	HK$6,588	HK$3,840
47	HK$2,856	HK$6,588	HK$3,732
48	HK$2,964	HK$6,588	HK$3,624
49	HK$3,084	HK$6,588	HK$3,504
50	HK$3,216	HK$6,880	HK$3,664
51	HK$3,360	HK$9,666	HK$6,306
52	HK$3,504	HK$9,666	HK$6,162
53	HK$3,684	HK$9,666	HK$5,982
54	HK$3,864	HK$9,666	HK$5,802
55	HK$4,068	HK$9,666	HK$5,598
56	HK$4,260	HK$9,666	HK$5,406
57	HK$4,548	HK$9,966	HK$5,418
58	HK$4,728	HK$10,449	HK$5,721
59	HK$4,920	HK$10,912	HK$5,992
60	HK$5,268	HK$15,375	HK$10,107

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$2,160	HK$3,184	HK$1,024
42	HK$2,280	HK$3,306	HK$1,026
43	HK$2,400	HK$3,443	HK$1,043
44	HK$2,508	HK$3,583	HK$1,075
45	HK$2,628	HK$3,771	HK$1,143
46	HK$2,748	HK$3,917	HK$1,169
47	HK$2,856	HK$4,074	HK$1,218
48	HK$2,964	HK$4,237	HK$1,273
49	HK$3,084	HK$4,402	HK$1,318
50	HK$3,216	HK$4,615	HK$1,399
51	HK$3,360	HK$4,944	HK$1,584
52	HK$3,504	HK$5,186	HK$1,682
53	HK$3,684	HK$5,445	HK$1,761
54	HK$3,864	HK$5,719	HK$1,855
55	HK$4,068	HK$6,076	HK$2,008
56	HK$4,260	HK$6,349	HK$2,089
57	HK$4,548	HK$6,668	HK$2,120
58	HK$4,728	HK$6,996	HK$2,268
59	HK$4,920	HK$7,321	HK$2,401
60	HK$5,268	HK$7,946	HK$2,678

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$2,640 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$2,640	HK$6,588	HK$3,948
42	HK$2,760	HK$6,588	HK$3,828
43	HK$2,892	HK$6,588	HK$3,696
44	HK$3,000	HK$6,782	HK$3,782
45	HK$3,132	HK$7,021	HK$3,889
46	HK$3,276	HK$7,254	HK$3,978
47	HK$3,420	HK$7,481	HK$4,061
48	HK$3,576	HK$7,689	HK$4,113
49	HK$3,732	HK$7,877	HK$4,145
50	HK$3,828	HK$8,064	HK$4,236
51	HK$3,900	HK$9,666	HK$5,766
52	HK$3,984	HK$9,666	HK$5,682
53	HK$4,056	HK$9,666	HK$5,610
54	HK$4,140	HK$9,666	HK$5,526
55	HK$4,224	HK$9,758	HK$5,534
56	HK$4,332	HK$10,110	HK$5,778
57	HK$4,464	HK$10,465	HK$6,001
58	HK$4,584	HK$10,824	HK$6,240
59	HK$4,740	HK$11,149	HK$6,409
60	HK$5,064	HK$15,375	HK$10,311

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$2,640	HK$3,953	HK$1,313
42	HK$2,760	HK$4,106	HK$1,346
43	HK$2,892	HK$4,253	HK$1,361
44	HK$3,000	HK$4,402	HK$1,402
45	HK$3,132	HK$4,626	HK$1,494
46	HK$3,276	HK$4,777	HK$1,501
47	HK$3,420	HK$4,926	HK$1,506
48	HK$3,576	HK$5,084	HK$1,508
49	HK$3,732	HK$5,242	HK$1,510
50	HK$3,828	HK$5,393	HK$1,565
51	HK$3,900	HK$5,661	HK$1,761
52	HK$3,984	HK$5,836	HK$1,852
53	HK$4,056	HK$6,022	HK$1,966
54	HK$4,140	HK$6,224	HK$2,084
55	HK$4,224	HK$6,515	HK$2,291
56	HK$4,332	HK$6,724	HK$2,392
57	HK$4,464	HK$6,948	HK$2,484
58	HK$4,584	HK$7,169	HK$2,585
59	HK$4,740	HK$7,400	HK$2,660
60	HK$5,064	HK$7,908	HK$2,844

Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of Feb 14, 2023. For accurate quotes and product details, please consult each insurance company.
^Do not include the premium of the agreement.

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^{*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$186. 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.