Best for top-up
Any hospital, any surgery 100% protected1!
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Feature 1

High-end medical insurance#
from just $197/month@

We use technology to cut costs and lower your premium.

#According to Bowtie's market research on December 19, 2024, comparing online VHIS plans with similar features (full reimbursement, general ward class, deductible level, and coverage area), Bowtie Pink VHIS (Ward) offers lower monthly premiums for non-smokers aged 0 to 98 years old. Different medical insurance plans have varying coverage scopes and benefit limits. Please refer to the relevant policy documents, terms, and conditions for details.
@For example, for a 30-year-old non-smoker, the monthly premium for Bowtie Pink (Ward) with a deductible option of HK80,000 is HK$197.
The above bar chart premium data is based on the comparison basis of the general ward class, online insurance with a deductible option of HK$80,000, and the same type of medical insurance plan on December 19, 2024, and is calculated based on the basic premium for a 30-year-old non-smoking male. Different medical insurance plans have different coverage and amount of protection. For details, please refer to the relevant policy and its terms and conditions.

Feature 2

F
U
L
L

Full coverage for any surgery in any hospital

Annual benefit limit: HK$20,000,000/year
Lifetime benefit limit: HK$80,000,000

Full coverage1without sub-limits for eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments.
In other words, no worries!
💡
唔使加購戰癌保!
Bowtie Pink 已經可就癌症相關的合資格住院、手術及非手術治療 (如放射性治療、化療、標靶治療、免疫治療及荷爾蒙治療) 提供全數賠償。

What’s a deductible? How does it work?

A deductible is the amount you need to pay by yourself in the event of a claim before the insurance company pays for your eligible medical expenses. The insurance company would cover any remaining medical expenses according to the benefit limits in the policy. The deductible of Bowtie Pink is counted per policy year.

How to choose deductible?
Learn more

 Real claim examples, comprehensive coverage of illnesses

Benefit table

Room suggested

Bowtie Pink (Ward)

Ward Room

Bowtie Pink (Semi-Private)

Semi-private room

Bowtie Pink (Private)

Private room

Benefit limit

Benefit limit
$8,000,000/year
$40,000,000/lifetime
Benefit limit
$10,000,000/year
$50,000,000/lifetime
Benefit limit
$20,000,000/year
$80,000,000/lifetime

Benefits items with full coverage

Benefits items with full coverage
Benefits items with full coverage
Benefits items with full coverage

Deductible

Deductible
$0 / $20,000 / $50,000 / $80,000
Deductible
$0 / $20,000 / $50,000 / $80,000
Deductible
$0 / $20,000 / $50,000 / $80,000

Premium

30-year-old non-smoker male, deductible option HK$80,000
Premium
$197/month
Premium
$289/month
Premium
$537/month

Want to explore other coverage levels of Bowtie's VHIS plans?

Detailed Benefit Schedule

Case studies

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Freelancers are different from full-time workers. I have no company welfare and group health insurance. My income is unstable so I have to take care of myself. I bought medical insurance after graduation, but the protection is minimal. As the Bowtie Pink’s premium is reasonable, I buy it for more coverage
About Bernice
Age 26/female/non-smoker
Freelancer
Monthly salary from HK$18,000 to HK$25,000 
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$50,000
Why choose this?
  • When filing a claim, personal health insurance can cover the deductible without overlap protection6
  • Hope to increase the coverage for critical illness expenses
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from personal health insurance
HK$50,000
Claim amount from
Bowtie Pink
HK$156,211  (deducted HK$50,000) 
Bernice paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from personal health insurance
HK$50,000
Claim amount from personal health insurance
HK$56,268 (deducted HK$50,000)
Bernice paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Bernice picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$50,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$310 (save 58%)
HK$754
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
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My group health plan only provides basic protection. Having Bowtie Pink, I hope to pay nothing if anything bad happens. My group health plan can cover the deductible of Bowtie Pink and Bowtie Pink can cover fully so I have no worries.
About Alfred
Age 33/male/non-smoker
Senior accountant
Monthly salary HK$20,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$20,000
Why choose this?
  • His group health plan6 provides basic protection
  • His group health plan can cover the deductible of HK$20,000 
  • The monthly premium is affordable to him
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$186,211 (deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$86,268 (Deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Save more with a right deductible option !
If Alfred picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$20,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$471 (save 47%)
HK$901
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
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My group health plan is good for basic protection but not enough for covering cancer and other critical illnesses. Also, I prefer a semi-private room with quietness and privacy. Bowtie Pink fits my needs and its premium is reasonable.
About Catherine
Age 42/female/non-smoker
SME CEO
Monthly salary HK$100,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible HK$80,000
Why choose this?
  • Her group medical insurance6can cover the standard-ward-level medical expenses
  • She prefers to have semi-private room service
  • She needs a high-end medical insurance that can cover cancer treatment expenses
  • Affordable monthly premium
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$126,211 (Deducted HK$80,000 )
Catherine paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$26,268 (deducted HK$80,000)
Catherine paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Catherine picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$80,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$0
Monthly premium
HK$399 (save 65%)
HK$1,172
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so, consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.

Additional support

NEW No-Claim Rewards 2
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 3
Applicable to inpatient treatment and prescribed diagnostic imaging tests, allowing you to have a worry-free treatment.
NEW Designated Prescribed Diagnostic Imaging Tests Referral
Bowtie Health Specialist will book appointments at designated imaging centers and apply for pre-approval on your behalf for designated Prescribed Diagnostic Imaging Tests.
24 - hour Global
Emergency Assistance
4
In the event of an emergency during a business trip or holiday, call the 24-hour worldwide emergency hotline for assistance.
NEW No-Claim Rewards 2
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.

Product Information

Eligible for persons aged 15 days to age 80
Covers unknown pre-existing conditions and
congenital diseases
No waiting period level up!
Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the 91st day from the effective date of the policy.
Lifetime guaranteed renewal
Worldwide coverage (including immigration and travel)#
Except for U.S. and non-designated Chinese hospitals
Psychiatric treatments only available in Hong Kong
Monthly payment

Important product information

Product category
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau
Issue age
From 15 days to age 80

Please note that the insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after the insurance application.
  • Health questionnaire
  • Resting electrocardiogram
  • Urinalysis
  • Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen
Period of cover
1 year (lifetime guaranteed annual renewal)
Territorial scope of cover
Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)
Except psychiatric treatment
Waiting period
N/A
There is a waiting period for pre-existing conditions. For details, please refer to the policy provision and key risks.
Renewal
  • Upon renewal, there shall be no re-underwriting. No additional rate of premium loading or case-based exclusions shall be imposed by reason of any change in the Insured Person's health conditions.
  • Upon renewal, we reserve the right to revise Policy Terms and Conditions, including the prevailing standard premium schedule, subject to prior approval by Health Bureau.
Cooling-off period
21 days
Within the cooling-off period, you may cancel the plan and receive a full refund of the premium.
Policy cancellation
You may request cancellation of the plan by giving at least 30 days prior notice.
Tax deduction
Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. For details https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.htm
List of Designated Hospitals in Mainland China
  • 北京和睦家醫院
  • 北京和睦家康復醫院
  • 廣州和睦家醫院
  • 青島和睦家醫院
  • 上海和睦家醫院上海和睦家新城醫院 (浦東)
  • 天津和睦家醫院 
  • 和睦家京北婦兒醫院 
  • 上海新瑞醫療中心
  • 上海瑞鷹門診部
  • 上海瑞新醫療中心
  • 上海瑞浦門診部
  • 上海瑞祥門診部
  • 北京明德醫院
  • 北京新世紀國際兒童醫院
  • 上海和德門診
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. For details, please refer to Section 1(b), 1(c) of the Supplement No. 1 and Section 6.4 of the Terms and Conditions.

Key exclusions

Under this plan, Bowtie will not pay any benefit in relation to or arising from the following:
  • Treatments, procedures, medications, tests or services which are not Medically Necessary;
  • Confinement solely for the purpose of diagnostic procedures or allied health services, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient;
  • Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time eat which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth)
  • Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents;
  • Self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae;
  • Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured Person receives the Medical Services within 90 days of the Accident;
  • Correction of visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens;
  • Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
  • Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
  • Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
  • Purchase of durable medical equipment or appliances;
  • Traditional Chinese medicine treatment;
  • Experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received;
  • Congenital Conditions which have manifested or been diagnosed before the Insured Person attained the age of 8;
  • Treatment for Disability arising from war, civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power; or
  • Reimbursements under any law, or medical program or insurance policy provided by any government, company or other third party.
The above list is for reference only. You should refer to the “General Exclusions” section in theTerms and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS registration info

  • Name of VHIS certified plan:
    Bowtie Pink VHIS Plan
  • Available for new application
    F00060-09-000-02 (Ward room - Deductible HK$0)
    F00060-10-000-02 (Ward room - Deductible HK$20,000)
    F00060-11-000-02 (Ward room - Deductible HK$50,000)
    F00060-12-000-02 (Ward room - Deductible HK$80,000)
    F00060-01-000-05 (Semi-Private room - Deductible HK$0)
    F00060-02-000-05 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-05 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-05 (Semi-Private room - Deductible HK$80,000)
    F00060-05-000-05 (Private room - Deductible HK$0)
    F00060-06-000-05 (Private room - Deductible HK$20,000)
    F00060-07-000-05 (Private room - Deductible HK$50,000)
    F00060-08-000-05 (Private room - Deductible HK$80,000)
  • Not available for new application
    F00060-09-000-01 (Ward room - Deductible HK$0)
    F00060-10-000-01 (Ward room - Deductible HK$20,000)
    F00060-11-000-01 (Ward room - Deductible HK$50,000)
    F00060-12-000-01 (Ward room - Deductible HK$80,000)
    F00060-01-000-04 (Semi-Private room - Deductible HK$0)
    F00060-02-000-04 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-04 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-04 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-03 (Semi-Private room - Deductible HK$0)
    F00060-02-000-03 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-03 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-03 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-02 (Semi-Private room - Deductible HK$0)
    F00060-02-000-02 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-02 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-02 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-01 (Semi-Private room - Deductible HK$0)
    F00060-02-000-01 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-01 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-01 (Semi-Private room - Deductible HK$80,000)
    F00060-05-000-03 (Private room - Deductible HK$0)
    F00060-06-000-03 (Private room - Deductible HK$20,000)
    F00060-07-000-03 (Private room - Deductible HK$50,000)
    F00060-08-000-03 (Private room - Deductible HK$80,000)
    F00060-05-000-02 (Private room - Deductible HK$0)
    F00060-06-000-02 (Private room - Deductible HK$20,000)
    F00060-07-000-02 (Private room - Deductible HK$50,000)
    F00060-08-000-02 (Private room - Deductible HK$80,000)
    F00060-05-000-01 (Private room - Deductible HK$0)
    F00060-06-000-01 (Private room - Deductible HK$20,000)
    F00060-07-000-01 (Private room - Deductible HK$50,000)
    F00060-08-000-01 (Private room - Deductible HK$80,000)
  • HIS provider registration no.
    00023
  • Registration effective date:
    21 March 2019
The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.
Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

Upgrades in Bowtie’s VHIS in 2024

Check out what’s new this year!
Learn more +

Application

Our customer service staff will listen to your concerns, provide detailed explanation of the products, assist with quotations and insurance applications.
About the application procedures →

Filing a Claim

Our claims specialist will follow up on the claim application and progress. We will also provide compensation estimates and arrange cashless settlement services. A hotline for the claim department is set up for your enquiries!
About the claim procedures →

Management of policies

Insurance and claim application progress will be updated via email and online platform. You may view and download all policy documents, benefit balance, claim records and other information at any time on the online platform!

Highly Recognised by Our Customers

20,000+
Bowtie VHIS customers

FAQ

Do BowtiePink customers still need to pay the deductible when using Designated Medical Packages after purchasing the Wellness Package as top up?

Yes. BowtiePink customers will still need to pay the relevant deductible even after purchasing the Wellness Package. Please note that since BowtiePink is already designed to fully reimburse the costs of Designated Medical Packages, customers who add the wellness package will receive an additional HK$500 cash benefit when using a Designated Medical Package.

The cash benefit under the wellness package is calculated based on the number of Designated Medical Packages used, with no limit on the number of claims. You will receive HK$500 cash benefit for each use of a Designated Medical Package. This benefit is not constrained by the annual or lifetime benefit limits of your BowtiePink policy.

 

For product terms and conditions, please refer to the relevant product page.

What are the differences between “Deductibles” and “Co-insurance”?

Both are medical costs that the insured must pay when filing claims from the insurance company. Their main difference lies in the calculation methods:

"Co-insurance" - Calculated based on individual protection items and percentages, shared between the insured and the insurance company.

Assume the insured must bear 20% co-insurance for a claim item, with medical costs of HK$120,000: 
Compensation provided by the insurance company = HK$120,000 X 80% = HK$96,000
Costs paid by the insured = HK$120,000 X 20% = HK$24,000

"Deductible" - Calculated per policy year, the insured must bear a certain amount before the insurance company compensates the remaining medical expenses according to the plan’s coverage limit.

Assuming the insured has opt for BowtiePink with a HK$20,000 deductible, while the total hospital medical expenses are HK$70,000, Bowtie will compensate would be [Total Medical Expenses – Deductible], which is HK$70,000 – HK$20,000 = HK$50,000.

Bowtie Pink only offers deductible options (choices of HK$80,000, HK$50,000, HK$20,000, or HK$0) with no co-insurance. Whereas Bowtie VHIS Standard and Flexi have co-insurance but no deductible:

Bowtie VHIS Standard

  • Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance^

Bowtie VHIS Flexi

  • Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance^
  • Supplementary Major Medical (SMM): 20% co-insurance*

^The reimbursement is subject to the "Benefit Limit" of the Bowtie VHIS Standard Plan or Flexi Plan.
*The reimbursement is Subject to the maximum coverage limit of Bowtie VHIS Flexi Plan's "Supplementary Major Medical" coverage.

What are the differences between Bowtie VHIS and other insurance products offered by Bowtie?

Comparison of Insurance Plans:

  VHIS Cancer Fighter Touchwood Protector Critical Illness Term Life
Product Nature Not limited to any accident or disease, cover the eligible medical expenses required for hospitalization or surgery due to medical needs. Cover the eligible medical expenses for all levels of malignant cancer and carcinoma in situ¹

Cover the actual expenses for medically necessary treatments due to accidental injuries within 12 months after the accident. Receive compensation to help cover living expenses or medical costs once you are diagnosed with a specified critical illness (including cancer, stroke, and heart disease) Death Benefit
Modes of Settlement Reimbursement Reimbursement Reimbursement One lump sum payment One lump sum payment
Maximum Benefit Limits / Sum insured - Standard Plan : HK$420K / Year;No lifetime limits
- Flexi Plan: Up to HK$1M / Year; No lifetime limits
- Bowtie Pink: Up to $20M / Year; $80M /Lifetime
- Cancer Fighter 100: HK$1M /Lifetime
- Cancer Fighter 200: HK$2M /Lifetime
- Cancer Fighter 300: HK$3M /Lifetime
HK$420K / year HK$4M (15 days - 45 year old)
HK$2M (46 - 60 year old)
HK$1M (61 - 65 year old)
HK$20M (Existing customer²)
HK$8M (18 - 45 year old)
HK$4M (46 - 55 year old)
HK$3.5M(56 - 60 year old)
HK$1M (61 - 65 year old)
Maximum Renewable Age Guaranteed renewal to age 100 or for life* Guaranteed lifetime renewal Renewal to age 60 Guaranteed renewal to age 85 Guaranteed renewal to age 100
Plan Option - Standard Plan
- Flexi Plan
- Bowtie Pink
- Cancer Fighter 100
- Cancer Fighter 200
- Cancer Fighter 300
- Touchwood Protector - Term CI
- Term CI Multiple Cover
- Term CI Early Stage and Multiple Cover
- Term Life

 

¹ Bowtie Cancer Fighter covers all grades of malignant cancer and carcinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.cinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.
² Existing customers can increase their coverage limit up to a maximum of HK$20,000,000 after undergoing underwriting and a medical examination. Click here to learn more.
*This Applies only to the Flexible Plan and Bowtie Pink.
The above information is for reference only. For detailed terms and conditions above is for reference only. For detailed terms and conditions, key risks and policy exclusions of the product, please refer to the policy.

What is VHIS / What are the differences with Traditional Medical Insurance in the Market?

Voluntary Health Insurance Scheme (VHIS), regulated by the Health Bureau, is a personal medical insurance that reimburses eligible medical expenses related to hospitalization and day surgeries. All VHIS must meet several standardized product features including policy terms, minimum coverage, and premium transparency. Although insurers can have different coverages and designs for their Flexi Plans, all terms and coverages cannot be set below the standards of the VHIS Standard.

 

Comparison of VHIS and General Medical Insurance:

  VHIS General Medical Insurance
Lifetime Coverage Limit ❌¹
Tax Benefits
Age of Insurability 15 days - 80 years 15 days - 70 years
Guaranteed Renewal Age Guaranteed lifetime renewal, VHIS Standard guaranteed renewal until age 100 Determined by the insurer
Waiting Period ❌²
Coverage for Pre-existing Conditions Unknown at the time of insuring ✔³
Hospital and Surgical Coverage Covers treatments during hospital stays, may not cover non-hospital treatments
Psychiatric Inpatient Treatment  
Day Surgery Coverage
Coverage for Congenital Diseases ✔ (Coverage starts from age 8 for diagnosed congenital conditions)  
Outpatient Diagnostic Procedures like CT, MRI, PET

Bowtie currently offers three VHIS plans: Standard, Flexi, and BowtiePink, each with varying coverage amounts, ward classes, and deductibles. You can view detailed plan comparisons here.

¹ VHIS Standard Plan does not have a lifetime coverage limit; individual Flexi Plans may have a lifetime coverage limit.
² VHIS Standard Plan has an exclusion period for "Unknown Pre-existing Conditions."
³ VHIS Standard Plan has a waiting period for "Unknown Pre-existing Conditions." The first policy year is a waiting period, partial coverage starts in the second year (25% in the second year, 50% in the third year), and full reimbursement (100%) begins in the fourth policy year.

If I currently do not have any medical insurance (Group / Individual Plan), how should I decide on the deductible for Bowtie Pink?

You can choose the most appropriate deductible level for the BowtiePink VHIS based on your affordability for both the deductible and premium.

Bowtie Pink offers four deductible options: HK$80,000, HK$50,000, HK$20,000, and HK$0. Higher deductible plans have lower premiums, and vice versa.

For instance, choosing the Bowtie Pink with a $20,000 deductible, of which the deductible is calculated per policy year, you bear the first HK$20,000 of eligible medical expenses each policy year, after which Bowtie compensates for the remaining eligible medical expenses.

If you have a limited budget, you might also consider a plan without a deductible, such as the Bowtie VHIS Flexi Plan or Standard Plan

You can also use Bowtie’s personalized recommendation tool or contact us via WhatsApp at 6016 5980 for more specific product advice!

What are the differences between the 3 Bowtie VHIS Plan?

Bowtie currently offers 3 VHIS Plans, including Standard Plan, Flexi Plan, and BowtiePink, each with different coverage limits, room grades, and deductible options.

You can choose primarily based on whether you already have health insurance:

  • If you do not have health insurance - VHIS Standard or VHIS Flexi
  • If you already have health insurance - BowtiePink
  VHIS Standard VHIS Flexi Bowtie Pink
Features Suitable for those with a limited premium budget
  • Standard room
  • Covers basic hospitalization and surgical expenses
Suitable for long-term primary medical coverage
  • Options for Ward room / Semi-private room
  • Includes Supplementary Major Medical (SMM)
Suitable for those looking to enhance existing health insurance coverage
  • Options for ward room, Semi-private room, or Private room
  • Four deductible options: HK$80,000, HK$50,000, HK$20,000, and HK$0
Basic coverage limit HK$420,000/ /year, with no lifetime limit.
  • Regular Plan: HK$600,000 /year, with no lifetime limit.
  • Plus Plan: HK$1,000,000 /year, with no lifetime limit.
  • Ward Plan: HK$8 million per year; HK$40 million per lifetime
  • Semi-private Plan: HK$10 million per year; HK$50 million per lifetime
  • Private Plan: HK$20 million per year; HK$80 million per lifetime

Click here to view a detailed comparison of the plans. If needed, you can also seek for product advice via WhatsApp at 6016 5980!

What is co-insurance and which coverage items have co-insurance?

Co-insurance means that the insured person shares a portion of the costs for certain covered services on a percentage basis.

"Co-insurance" - Calculated based on individual protection items and percentages, shared between the insured and the insurance company.

Assume the insured must bear 20% co-insurance for a claim item, with medical costs of $120,000:
Compensation provided by the insurance company = $120,000 X 80% = $96,000
Costs paid by the insured = $120,000 X 20% = $24,000

Bowtie VHIS includes co-insurance for the following plans:

Bowtie VHIS Standard

  • Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance

Bowtie VHIS Flexi

  • Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance
    Supplementary Major Medical (SMM): 20% co-insurance

Bowtie Pink

  • Does not have co-insurance items
Is there any waiting period for VHIS?

Generally, there is no waiting period for illnesses that arise after you enroll in Bowtie VHIS Plan.

Bowtie VHIS only has a waiting period for "pre-existing conditions unknown to you at the time of enrolment." These are conditions that you already had before enrolling, but were unaware of because there were no obvious symptoms, and you did not seek medical advice or treatment.

In simple terms, if you were unaware that you had a certain condition when you enrolled, but are later diagnosed and need treatment for it after enrolling, the eligible expenses will be subject to the following waiting periods and reimbursement ratios.

 

Flexi Plan and Bowtie Pink

Waiting Period (from the effective date of the policy) Reimbursement ratio
The first 90 days 0%
On and after the 91st day 100% of the eligible medical expenses within the benefit limit

 

Standard Plan

Waiting Period (by Policy Year) Reimbursement ratio
1st policy year 0%
2nd policy year 25% of the eligible medical expenses within benefit limit
3rd policy year 50% of the eligible medical expenses within benefit limit
4th policy year onwards 100% of the eligible medical expenses within benefit limit.
What is a deductible? Is it calculated per illness/injury or per policy year?

"Deductible" is the amount the policyholder must pay out of pocket within the policy year when making a claim with Bowtie. The remaining medical expenses are then compensated by Bowtie up to the coverage limit of the plan.

If the insured person has a Bowtie Pink plan with a $20,000 deductible and the total medical expenses are $70,000, we will cover $50,000
Total medical expenses – Deductible = Coverage
$70,000 – $20,000 = $50,000

The Bowtie VHIS Standard and Flexible plans do not come with a deductible, whereas Bowtie Pink’s deductible is calculated annually. For instance, if the policy starts on December 1, 2021, from December 1, 2021, to November 30, 2022 (the first policy year), you must first bear HK$20,000 of medical expenses (including amounts claimed from your company’s group medical insurance), and after which Bowtie compensates for the remaining eligible medical expenses.


Additionally, we recommend that even if your medical expenses are lower than the deductible for your Bowtie Pink plan, you should still submit all hospitalization/surgery-related medical receipts and proof of reimbursement from other insurance companies (if applicable) to Bowtie. If the expenses are eligible medical expenses, they will be counted towards the deductible you have paid for that policy year with Bowtie, reducing the remaining deductible you need to pay for the same year.

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Finally decide on the best deductible option for you?

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For inquiries regarding existing policies, please contact our Customer Service Department:
Hotline: 3008 8123 | Email: cs@bowtie.com.hk | Click “Live Chat” at the bottom right corner
The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.
Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only.
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