Does the Voluntary Health Insurance Scheme cover outpatient expenses?

The outpatient coverage is mainly for outpatient treatments before pre and post-hospitalization and day case procedures, with a maximum number of visits and benefit amount. In addition, 70% of the eligible costs for prescribed diagnostic imaging tests (i.e. CT, MRI, PET, PET-CT, PET-MRI) are covered for outpatient visits.

Does the Voluntary Health Insurance Scheme cover medical services outside Hong Kong?

Yes, except for psychiatric treatment. However, insurance companies may restrict the additional coverage to specified areas when designing a flexi plan.

Is dental treatment covered under the Voluntary Health Insurance Scheme?

VHIS does not cover regular dental check-ups, scaling, fillings, etc. However, if the insured requires emergency oral or dental procedures as a result of an accident, the relevant payments will be covered under the surgical Fee.

自願醫保計劃

VHIS Intro

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VHIS＝The Preferred Choice for Medical Protection

VHIS is certified and regulated by the Health Bureau of the Government, and the premiums are also tax-deductible. The plan covers expenses from diagnosis to post-recovery follow-up and the reimbursement is not limited to any accident or disease¹. This helps alleviate your financial burden and supports you in receiving higher-quality care.

What does the VHIS actually cover?

Symptom onset/ diagnosis

Got the highest coverage in Hong Kong

Prescribed diagnostic imaging tests

i.e. CT Scan, MRI Scan, PET Scan

2 outpatient visits or emergency consultations prior to confinement/day case procedure

Outpatient visits or emergency consultations resulting in a confinement or day case procedure

Hospitalization
‍

Room and board

Attending doctor's visit fee

Specialist’s fee

Prescribed non-surgical
cancer treatment

i.e. Targeted drugs, chemotherapy, radiotherapy, etc.

Psychiatric treatment

Intensive care

Hospital companion bed*

Miscellaneous charges

Day case procedure such as endoscopy, cataract surgery

Day/Inpatient Surgery

Surgeon’s fee

Anaesthetist’s fee

Operating theatre charges

i.e. Gastroscopy, colonoscopy, wart removal, etc.

Day case procedure cash benefit*

Accident emergency outpatient treatment*

Post-recovery follow-up

Post-confinement/day case procedure outpatient care

Outpatient kidney dialysis*

i.e. Dialysis

Rehabilitative care*

Post-confinement daily home nursing*

Take Bowtie VHIS as an example.
*Applicable to Flexi Plan and Bowtie Pink only

💡

計劃保唔保日間門診？
請留意計劃並不保障日間普通科、專科、中醫等門診費用。
但隨計劃附送的 BowtieGo 門診服務，可讓你以低至半價睇門診醫生，並毋須額外申請索償。

例子說明 

個案

醫療費用^

一般計劃

Bowtie
靈活計劃保障*

🤒 因傷風感冒前往醫院門診或診所求醫 (但毋須住院或接受手術)

門診診金+
藥費+腸鏡檢查

🔎 因大便有血前往診所求醫
獲轉介進行門診腸鏡檢查

覆診診金+
藥費

✓

😷 接受腸鏡檢查
一星期後前往診所覆診

門診診金 +
治療費用*

✓

🤕 因意外受傷而前往醫院門診或醫院急症室求醫 (不包括一般西醫診所)

門診診金 +
治療費用

✓

在診所洗腎

洗腎費用

✓

Bowtie emphasizes long-term protection

From day one, our product design has been aimed at providing long-term affordable protection that keeps pace with the times. This ensures you will still have adequate coverage even 5 or 10 years down the road.

Focus on Pragmatic Protection

Useful coverage is good coverage. We don't blindly pursue the number of benefit items. Instead, we design our products based on actual usage rates, fairness to customers, and average out-of-pocket amounts. This allows us to maintain low prices while ensuring a reasonable reimbursement rate.

Affordability Assured

The risk of illness only increases with age. Maintaining affordable premiums ensures you have coverage for the future.
In addition to operational and product design efforts, we actively offer various early disease screening and preventive treatment options. This helps reduce severe illness claims cases and alleviates premium increase pressure in the long run.

Annual upgrade, to keep pace with needs

A good medical insurance plan should evolve with the times.Facing medical inflation and increasing public health needs, we are committed to reviewing claims data and customer needs annually to enhance our coverage and services.
So far, Bowtie VHIS, has been upgraded for 3 consecutive years.

✨ Recent upgrade

No-Claim Reward

3 plan options, suitable whether you have company medical insurance or not.

Bowtie offers 3 VHIS plans: Standard Plan (government's standard benefits), Flexi Plan (suitable for those without

group

medical insurance) , and

Bowtie Pink (suitable for those

with group

medical insurance).

The Flexi Plan and Bowtie Pink further

provide different room levels and

options, allowing

you to choose the most suitable

plan based on your budget.

Complements existing medical insurance for full reimbursement⁶

Reimbursement rate: 100%⁷

Benefit limit up to $20 m/ year

Providing 4 deductible options and 3 room-level plans to choose from

Real claim examples, comprehensive coverage of illnesses

Highly praised by the industry

Learn more →

Policy sold through direct channel⁹
2021-2023

Insurance brand that customers think are best value in money¹⁰
‍2021-2022

Customer satisfaction ¹¹
2021-2022

Bowtie has surpassed HKD 6 billion in coverage and serves over 90,000 customers, providing pure protection.

Mr. Tseung Chun-wah is a senior consultant at Bowtie

Frequently asked questions for VHIS plans

Have questions about Bowtie's products? Our Product Specialists can assist you!

Providing you with personalized product consultations and commission-free!

Service Hours: 9:30 am to 6:30 pm, Monday to Friday 
Closed on Saturdays, Sundays, and Public Holidays

By scheduling a consultation or WhatsApp inquiry, you acknowledge that you have read Bowtie's Personal Information Collection Statement and agree to the use of your personal data for contact.

Schedule Consultation WhatsApp

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

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Disclaimer

‍¹Except for the key exclusions of the plan.
‍²The above is an example of the average out-of-pocket amount for Bowtie VHIS Flexi Regular Plan as of February 2023.
‍³The above data is from a market survey conducted by Bowtie on December 7, 2023. The comparison is based on similar VHIS plans with a general ward level, "Supplementary Major Medical", and room and board limits of $800 - $1200, using the standard annual premium for a non-smoking male at the respective age against Bowtie's VHIS Flexi Regular Plan and it is for reference only. Different medical insurance plans have varying coverage and benefit limits. Please refer to the relevant policy documents, terms, and conditions for details.
‍⁴According to data from Bowtie enrollment platform, as of December 13, 2022, Bowtie VHIS Flexi Plan was the most popular among the Bowtie VHIS series.
‍⁵As of the premium information published on the website of the Medical and Health Bureau on March 20, 2022, the premiums for the Bowtie VHIS-Standard Plan for non-smokers aged 0 to 80 are the lowest in the market.
‍⁶Full 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.
‍⁷The figures shown are the actual claims payout ratios for the respective Bowtie Voluntary Health Insurance plan levels as of November 2022.
‍⁸Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie VHIS standard plan, Flexi Regular plan and Bowtie Pink (Ward Room - Deductible HK$80,000).
⁹ According to Insurance Authority’s Provisional Statistics for Long Term Business for the whole year of 2021-2022, and the first half of 2023, Bowtie Life ranked first in number of new individual paid policies through Direct channel in Hong Kong.
‍¹⁰ According to data analysis by YouGov, an international market research organization, Bowtie has been the "Insurance brand with the most customers considering it to be good value for money" in Hong Kong for two consecutive years since 2021. Value for money doesn’t just mean “cheap”, but means that it can bring value and services to consumers that are equivalent to the price.
‍¹¹ According to the internal data, customer satisfaction score is 93% out of 165,000 interactions with our customers since 2019.
‍
* The promotion is subject to terms and conditions.