Save up to 46%# of the premium with the same level of protection#
Bowtie’s VHIS-Standard provides benefits items that are mostly the same as the market, with even better protections by providing total and permanent incapacity income benefit.
Benefit amountNo lifetime limit
Premium
Take a 30-year-old non-smoking male as an example
Want to explore other coverage levels of Bowtie's VHIS plans?
Extra cancer coverage
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.
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.
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:
| VHIS Standard | VHIS Flexi | Bowtie Pink | |
|---|---|---|---|
| Features |
Suitable for those with a limited premium budget
|
Suitable for long-term primary medical coverage
|
Suitable for those looking to enhance existing health insurance coverage
|
| Basic coverage limit | HK$420,000/ /year, with no lifetime limit. |
|
|
Click here to view a detailed comparison of the plans. If needed, you can also seek for product advice via WhatsApp at 6016 5980!
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
Bowtie VHIS Flexi
Bowtie Pink
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. |
”Confinement“ shall mean an admission of the Insured Person to a Hospital that is recommended
by a Registered Medical Practitioner for Medical Service and as an Inpatient as a result of a Medically Necessary condition for a period of no less than 6 consecutive hours. The Insured Person must stay in the Hospital continuously for the entire period of Confinement. You will need to provide the daily room charge invoiced by the Hospital when submit the claims. For emergency treatments involving surgery or other medical services in a hospital, there is no minimum hospitalization time requirement.
In addition to hospitalisation treatment, Bowtie VHIS also covers Day Case Procedure such as endoscopies, without any minimum hospitalisation time requirement.
No, Bowtie VHIS does not include death benefit. Bowtie VHIS is an individual medical insurance that only covers eligible medical expenses for hospitalization and surgery on a reimbursement basis.
The only exception is if the insured unfortunately passes away due to medical negligence in Hong Kong, in which Bowtie VHIS Flexi and BowtiePink will then provide a "Medical Negligence Coverage" of HK$1,000,000.
If you are looking for a product that offers death benefits, do consider purchasing Bowtie Term Life.
No. Bowtie VHIS reimburses for any accident or disease (except General Exclusion), covering eligible medical expenses related to hospitalization and surgery, including day surgeries and diagnostic procedures like gastroscopy, CT scans, MRI, etc. Common treatment claims include circumcision, appendectomy, hospital treatment for accidents, and cataract surgery.
However, it does not cover treatments unrelated to hospitalization and surgery such as common cold, dental treatments, and outpatient treatments. Exclusions mainly include any non-medical treatments, procedures, medications, tests, or services; dental costs and oral maxillofacial surgery (except emergency treatments and surgeries due to accidents during hospitalization); and traditional Chinese medicine treatments.
Review the coverage table and general exclusion for more detailed compensation limits, covered surgical procedures, and categories. You may also use the Bowtie Claim Calculator for more examples of claims and compensation rates.
Yes, all the Bowtie VHIS can cover Prescribed Non-surgical Cancer Treatments including Radiotherapy, Chemotherapy, Targeted therapy, Immunotherapy, Hormonal therapy. The benefits limits for each plan is as follows:
| Standard Plan | Flexi Regular Plan | Flexi Plus Plan | All Bowtie Pink | |
| benefits limits of Prescribed Non-surgical Cancer Treatments | HK$80,000 / year | HK$80,000 / year | HK$160,000 / year | Full Cover |
If an insured undergoes surgery at any out-patient surgical center or being treated as an out-patient case patient, while the surgical cost is compensated under the "Surgical Fees" coverage, s/he is eligible for “Day Case Procedure Cash Benefit”, which is calculated per surgical procedure.
Bowtie VHIS Flexi and Bowtie Pink both offer "“Day Case Procedure Cash Benefit," with coverage amounts specific to each plan. For detailed coverage amounts listed as follow:
| Flexi (Regular) | Flexi (Plus) | Bowtie Pink |
|---|---|---|
| HK$800 / procedure | HK$1300 / procedure | HK$1300 / procedure |
Yes. The plan provides worldwide coverage. And The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently*. The policy reimbursement rate also will not be affected.
Scope of Coverage for Each VHIS Plan:
| VHIS Standard | VHIS Flexi | Bowtie Pink | |
| Coverage Area | Global (excluding psychiatric treatment) | Global (excluding psychiatric treatment, rehabilitation, and medical negligence coverage) | Global (excluding the US and non-designated hospitals in China); Psychiatric treatment limited to Hong Kong only |
At the time of insurance purchase, both the policyholder and the insured must reside in Hong Kong. The policy remains effective even if the insured relocates overseas temporarily or long-term (except in sanctioned or war-affected areas).
However, due to potentially higher risks in the country of relocation, additional premiums may be charged for those regions. Policyholders can choose not to renew if they disagree with the proposed additional premium adjustments. Short stays in other countries, or travel, work, or study abroad do not incur extra premiums.
Please notify Bowtie of any changes in address. For further inquiries, call customer service at 3008 8123.
*except for places of residence affected by sanctions or war
Bowtie currently accepts applications from individuals who have recovered from COVID-19 for more than one month. Applications from those currently suffering from COVID-19 or those who test positive are not accepted at this time.
For individuals who currently still being tested positive for COVID-19, we welcome them to submit their application one month after recovery.
Reach out to Bowtie CS at 3008 8123 for more details.
Not required. Except for individuals over age 65 purchasing BowtiePink, you simply need to visit the Bowtie VHIS website, click "Apply Now", and complete the health declaration (underwriting questions).
We will base on your response in the health declaration in understanding any of your previously diagnosed conditions and their severity. Generally, we are able to calculate the most fair and accurate premium instantly. Most of the questions in the health declaration (95%) are multiple-choice.
The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink.
No. Each Bowtie VHIS Standard, Flexi, or Bowtie Pink Plan can only have one policyholder and one insured person. However, policyholders can apply for their eligible family members:
¹ Refers to children who are under 18 years old / 18 years old but under 25 years old and receiving full-time education / 18 years old or older but unable to work due to physical or mental incapacity.
² Refers to siblings who are under 18 years old / 18 years old but under 25 years old and receiving full-time education / 18 years old or older but unable to work due to physical or mental incapacity.
³ Refers to individuals under 55 years old who are eligible to apply for benefits under the government's disability allowance scheme / 55 years old or older.
You can consider Bowtie Pink VHIS with a deductible to supplement your existing health insurance (commonly known as "Top-Up" insurance), which can enhance protection while also helps saving on premiums.
Based on the coverage level of your company's group medical insurance, you can decide on an appropriate deductible. When you need to file a claim, you can first claim it from your company's group medical insurance, and the remaining eligible medical expenses, after deducting the deductible, can be covered by Bowtie Pink.
For example, if you opt for the Bowtie Pink VHIS plan with a HK$20,000 deductible, of which the deductible is calculated per policy year, meaning you need to bear the first HK$20,000 of eligible medical expenses each policy year (including expenses claimed from company health insurance), after which Bowtie will cover for the remaining eligible medical expenses.
If needed, you can also seek product advice via WhatsApp at 6016 5980!
Bowtie offers various products with different levels of coverage. You can consider and choose the most appropriate insurance product based on your personal needs and financial capacity.
Bowtie VHIS accepts enrollments for Hong Kong residents aged between 15 days and 80 years. Apart form individuals aged 66 and above applying for the BowtiePink, health assessment is not required for underwriting prior to purchasing a policy.
Once successfully insured, Bowtie VHIS Standard guarantees renewal up to the age of 100, while Bowtie VHIS Flexi and BowtiePink offer lifetime renewals in addition.
Yes, an insured person can hold multiple Bowtie VHIS policies. Currently, each insured person can hold either:
However, if an insured person currently holds a Bowtie Pink VHIS with $0 deductible, one cannot purchase for any other Bowtie VHIS policies.
BowtieCash can be used to pay any eligible medical expenses that exceed the compensation amount of the Bowtie VHIS, with the exception for the Bowtie Pink deductibles and to redeem comprehensive health services such as full-body health check-ups.
How to earn BowtieCash*?
Bowtie VHIS customers can earn BowtieCash through the "No Claims Reward Program." If the insured has no claims for six consecutive months after the policy is in effect, they can earn BowtieCash amounting to 8% of their monthly premium. The BowtieCash is valid for 7 years.
For more details, please visit this website.
*Bowtie VHIS No-Claim Rewards is subject to terms and conditions.
All insured persons of Bowtie VHIS customers, including Bowtie VHIS Standard, Bowtie VHIS Flexi - Regular / Plus, and Bowtie Pink(Ward/ Semi-Private/ Private) will automatically be entitled to the worldwide emergency assistance service provided by our business partner - Europ Assistance Hong Kong Limited (EAHK), to provide assistance when the insured person is on business or traveling overseas.
The insured should contact the EAHK the 24-hour worldwide emergency and medical helpline at +852 2863 5767 and provide the following information for assistance, the insured is also welcomed to have their friends or family to contact EAHK on his/her behalf as proxy. If the insured person fails to contact EAHK before hospitalization or treatment, the insured person or his/her representative shall contact EAHK within 3 days of the occurrence of such emergency. Otherwise, assistance may not be obtained.
Required information:
The worldwide emergency assistance service includes:
Note: “Worldwide Emergency Assistance Service” does not form part of the Bowtie VHIS Plans and is provided by third-party service provider. We reserve the right to change the the content of “Worldwide Emergency Assistance Service” and will not be liable for any services provided by third-party service provider. No additional premiums are charged for this service.
Bowtie VHIS guarantees lifetime renewability at the maximum. As long as you are paying the premium on time, there is no need to worry about losing coverage in the future. The maximum renewal ages for the three Bowtie VHIS plans are as follows:
| VHIS Standard | VHIS Flexi | BowtiePink |
| 100 years | Lifetime | Lifetime |
Bowtie will not increase your VHIS premiums or terminate your policy due to your past claims in Bowtie.
In fact, VHIS guarantees renewal. Once the policy is in effect, Bowtie VHIS Standard guarantees renewal till age of 100, while the VHIS Flexi Regular/ Plus and Bowtie Pink guarantee lifetime renewal. The annual renewal premiums will only be adjusted based on age and will never be increased due to individual’s claims history or health conditions after the policy is in effect.
Not all medical insurance on the market guarantees renewal.
Want to make sure you are protected once policy is in effect?
Buy VHIS
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