自願醫保計劃

What are the advantages of Bowtie VHIS?
You may be able to save on living expenses during emergencies, but what about medical expenses? We strive to be your unwavering support throughout your treatment journey, which is why VHIS has always been our core product and we are committed to continuously enhancing it to better meet your needs!

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.
What does voluntary medical insurance actually cover

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.

 Real claim examples, comprehensive coverage of illnesses

Highly praised by the industry

Policy sold through direct channel 8
2021-2023

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

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.

Are there any network doctor/hospital restrictions for VHIS?

No. However, the full reimbursement coverage of the Bowtie Pink does not apply to hospitals in the USA and those not under the list of designated hospitals in Mainland China¹ , except for eligible medical expenses compensated at the level of the  Bowtie VHIS Standard Plan.

Additionally, Bowtie VHIS's cashless settlement service is also applicable at all private hospitals in Hong Kong. You can always log into the Bowtie online platform to apply for the "Pre-approval Service". Please note that the "Pre-Authorization Service" is only applicable to non-emergency medical procedures, and the claims department will take approximately 4-6 working days to process your application.

 

¹ Bowtie Pink VHIS series covers full reimbursement for eligible medical expenses including diagnostics, hospitalization, surgery, and specified non-surgical cancer treatments (excluding the USA), subject to annual and lifetime coverage limits. Compensation amounts may be adjusted for claims involving hospitals in Mainland China outside the designated list, high-end hospitals within the designated list, claims exceeding the specified ward class, or pre-existing conditions. For details, please refer to sections 1(b), 1(c) of the first supplement document and section 4 of the terms and conditions of the BowtiePink.

Does Bowtie VHIS have any ward class restrictions?

Individual Bowtie VHIS plans adjust coverage based on the ward class, so we recommend you choose a plan that best suits your hospitalization needs.

If the insured person is assigned to a higher room type due to reasons beyond their or the policyholder's control, such as limited room availability or the need for isolation, and can provide written proof from the hospital, their claim will not be affected.

The Basic benefits of Bowtie VHIS Standard and Bowtie VHIS Flexi both offer the coverage without ward class restrictions, but the Supplementary Major Medical (SMM) under Bowtie VHIS Flexi has an adjustment factor on the rate of compensation according to the ward class that the insured admitted to during hospitalization. Details are as follows:

SMM Adjustment Factors / Compensation Ratio    
Ward Class Occupied by the Insured Bowtie VHIS Flexi Regular Plan Bowtie VHIS Flexi Plus Plan
Ward

100%

100%
Semi Private

50%

100%
Private

25%

50%
Above Standard Private

25%

25%

While BowtiePink VHIS has various adjustment factors/compensation ratios depending on the ward class section:

SMM Adjustment Factors / Compensation Ratio      
Ward Class Occupied by the Insured Bowtie Pink VHIS (Ward) Bowtie Pink VHIS (Semi Private) Bowtie Pink VHIS (Private)
Ward 100% 100% 100%
Semi Private 50% 100% 100%
Private 25% 50% 100%
Above Standard Private 25% 25%

50%

Example: If you have the Bowtie Pink VHIS (Ward Room - Deductible HK$80,000) but are admitted to a semi-private room during treatment, and your eligible medical expenses total HK$100,000, you will only be reimbursed HK$50,000.

 

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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Is there a minimum confinement duration requirement for Bowtie VHIS?

”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.

Does Bowtie VHIS cover the costs of Wart removal treatment?

Yes. If the insured person requires wart removal surgery due to medical necessity after the policy is effective, and the related expenses meet the 'usual and customary' principle, Bowtie will consider it as a 'minor surgery' for reimbursement, unless restricted by specific exclusions (if any).

To ensure a smooth claims process, we strongly recommend that before undergoing wart removal treatment, you first log into the online platform to perform a claim estimation. This will help you understand the coverage scope and get a preliminary estimate of the reimbursement, allowing you to make an informed decision about proceeding with the treatment.

If you have any questions about wart removal surgery, you're welcome to call 3001 5670 to inquire with Bowtie Claims Department.

After enrolling in a Bowtie VHIS, do I need to purchase Bowtie Cancer Fighter?

If your budget allows, we would recommend purchasing Bowtie Cancer Protection Plan in addition to the Bowtie VHIS Standard Plan or Flexi Plan. However, if you have enrolled in Bowtie Pink, there is no need to purchase the Bowtie Cancer Fighter.

The main reason is that the Bowtie VHIS Standard Plan and Flexi Plan only pay up to the max limit per benefit item, eg. HK$80,000 /year for prescribed non-surgical cancer treatments (such as radiation therapy, chemotherapy, targeted therapy, immunotherapy, and hormone therapy) is HK$80,000 per year., which may not be sufficient to fully cover the related expenses. Bowtie Cancer Fighter provides full reimbursement for eligible cancer treatments, including prescribed non-surgical cancer treatments. Cancer Fighter can provide maximum coverage of $1,000,000 every 3 years from the first diagnosis date of the first covered cancer until the accumulated benefits reach lifetime coverage. Offering you additional protection. For more details, please refer to the product website.

On the other hand, Bowtie Pink already provides full reimbursement for eligible prescribed non-surgical cancer treatment expenses, so you do not need to purchase the Bowtie Cancer Protection Plan separately.

Does Bowtie VHIS include death benefits?

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.

Does Bowtie VHIS reimbursement only limit to certain diseases and treatments?

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.

Does Bowtie VHIS cover prescribed non-surgical cancer treatments?

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
What is “Day Case Procedure Cash Benefit” and how much is the coverage amount?

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

Does Bowtie VHIS provide coverage overseas? Will the cover remain effective if I immigrate or leave Hong Kong?

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

Does Bowtie VHIS cover outpatient services?

VHIS only reimburses for expenses of Pre- and post-confinement / Day case procedure outpatient care. The reimbursement limits for each plan are as follows:

Plan Category Standard Plan Flexi Plan Bowtie Pink
Outpatient Coverage Scope
  • One pre-hospitalization/day surgery outpatient care
  • Three follow-up outpatient visit provided by attending Registered Medical Practitioner within 90 days after discharge from hospital or completion of day case procedure
  • Two pre-hospitalization/day surgery outpatient cares
  • Three follow-up outpatient visit provided by attending Registered Medical Practitioner (including Chinese Medicine) within 90 days after discharge from hospital or completion of day case procedure
  • Two pre-hospitalization/day surgery outpatient cares
  • Three follow-up outpatient visit provided by attending Registered Medical Practitioner (including Chinese Medicine) within 90 days after discharge from hospital or completion of day case procedure
Coverage Amount / Per Visit $580 HK$900/HK$1,300 Full Reimbursement
Annual Coverage Amount HK$3,000

HK$3,000/HK$6,400

No individual item limits

 

Additionally, the Flexi Plan and Bowtie Pink offer "Accident Emergency Outpatient" coverage, which reimburse medical expenses such as wound cleansing and dressing or stitching within 24 hours of an accident at a hospital's ER or outpatient department.

General outpatient services such as general practice, Chinese medicine, and dental treatments are not covered under Bowtie VHIS.

Can individuals who have had or currently have COVID-19 apply for Bowtie VHIS?

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.

Is health assessments required for underwriting before purchasing Bowtie VHIS?

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.

  • 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

Can I hold the same Bowtie VHIS policy with my family and friends?

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:

  • Policyholder's spouse
  • Children¹
  • Siblings²
  • Parents, grandparents, or spouse's siblings, parents and grandparents³

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.

If I already have medical insurance (Group/ Individual Medical Plan), how should I choose the Bowtie VHIS that is the most appropriate?

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.

Is there a maximum/minimum age limit for enrolling in the Bowtie VHIS?

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.

Is an insured person allowed to hold multiple Bowtie VHIS policies?

Yes, an insured person can hold multiple Bowtie VHIS policies. Currently, each insured person can hold either:

  1. Two Bowtie VHIS Standard, or
  2. One Bowtie VHIS Standard + One Bowtie Flexi
  3. One Bowtie VHIS Standard / Flexi + one Bowtie Pink (with a deductible of $20,000 / $50,000 / $80,000)

However, if an insured person currently holds a Bowtie Pink VHIS with $0 deductible, one cannot purchase for any other Bowtie VHIS policies.

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Can I still redeem health service vouchers exchanged with Bowtie Cash after terminating my Bowtie VHIS policy?

No, if you have terminated your Bowtie VHIS policy, any unused Bowtie Cash and health service vouchers will become invalid.

However, if you change your Bowtie VHIS plan level through the Bowtie Online Platform, you can retain any unused BowtieCash and health service vouchers from your original plan.

Related reading: Can I change the deductible option for my Bowtie Pink plan?

 

Can I still redeem unused annual health check-ups and health service vouchers with Bowtie Points after changing or terminating my Wellness Package? VHIS Rider?

No, Once you change or terminate your Wellness Package, any unused or redeemed Bowtie Points, annual health check-ups, and health service vouchers will also become invalid.

What is BowtieCash and what is it for?

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.

How to Use Global Emergency Assistance Services?

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:

  1. Name of insured
  2. ID or passport number of the insured
  3. Policy number
  4. The name, address and telephone number of the hospital or other medical facility where the insured life has been attended, and the name, address and phone number of the attending physician and, if necessary, the family doctor of the insured. (Applicable to the repatriation services)

The worldwide emergency assistance service includes:

  1.  Medical Attention, Telephone Medical Advice, Evaluation and Referral Appointment
  2. Medical Evacuation
  3. Repatriation after Treatment
  4. Repatriation of Mortal Remains/Ashe
  5. Medical Monitoring
  6. Travel Information
  7. Hotel Room Accommodations for Convalescence
  8. Compassionate Visit
  9. Return of Unattended Dependent Child(ren) to Country of Residence
  10. Dispatch Essential Medication/ Medical Equipment
  11. Dispatch Physician from Hong Kong
  12. Guarantee of Hospital Admission Deposit and Medical Expenses Incurred during Hospitalization
  13. Medpass - Hospital Admission Guarantee in China Network Hospital

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.

How do I submit my ‘Message to Loved Ones’?

After your Bowtie Term Life Insurance policy takes effect, a Bowtie specialist will contact you within 10 working days via WhatsApp or encrypted email to guide you through the process of uploading your 'Message to Loved Ones'.

Is leaving a ‘Message to Loved Ones’ mandatory?

No. Leaving a ‘Message to Loved Ones’ is on a voluntary basis.

How will Bowtie relay my ‘Message to Loved Ones’ to my beneficiary?

We will deliver the message to your beneficiary via encrypted email. When the beneficiary files a claim, we will verify their identity and then request their personal email address to ensure secure delivery of the message to their inbox.

How does Bowtie secure the storage of 'Messages for Loved Ones' messages and files, as well as to ensure absolute privacy for clients?

All 'Messages for Loved Ones' messages or files are stored in Bowtie's cloud database and are protected with data security measures to prevent unauthorized access. In case of any disputes, the Bowtie Personal Data Collection Statement shall prevail.

Will Bowtie store my 'Message to Loved Ones' message and files permanently?

Your "Message to Loved Ones" message or files will be automatically deleted under the following circumstances:

  • The policyholder requests to update the message or files for the relevant beneficiary, the old version of the message or files will be automatically deleted; or
  • The policyholder requests to delete the message or files; or
  • The date the policy is canceled or terminated.
If the policy beneficiary has been changed, how will the old messages be handled?

Bowtie's Online Platform currently doesn't support automatic message updates. After you update your beneficiary information on the platform, please reach out to our customer service team at cs@bowtie.com.hk. They will be happy to guide you through the process for updating your messages. However, if the policyholder does not inform customer service to update the last message after changing the beneficiary, the old beneficiary will not receive the previous information during the claim process.

How do I review, update, and delete the 'Message for Loved Ones' for my policy beneficiaries?

Policyholders can contact customer service via email at cs@bowtie.com.hk to inquire or review messages given to policy beneficiaries.

How to effectively utilize Bowtie Pink's deductible with existing medical insurance for medical claims?

You can first claim from your group medical insurance or another insurance plan without a deductible. After that, you can claim from Bowtie Pink. The payout from your company's insurance can be used to offset the deductible for Bowtie Pink, effectively reducing the amount you need to pay out-of-pocket.

Example:
Suppose you choose the BowtiePink plan with a HK$20,000 deductible and you undergo surgery due to illness with a total eligible hospitalization costs: HK$40,000
Company’s group medical insurance coverage limit: HK$30,000
First claim from the group medical insurance to receive HK$30,000 compensation, which offsets the deductible under BowtiePink.
The remaining medical expenses of HK$10,000 (i.e., HK$40,000 - HK$30,000) are fully reimbursed by BowtiePink, leaving you with no out-of-pocket hospital expenses.

The above advice is for reference only and does not guarantee no out-of-pocket expenses. You should consider your actual situation and coverage.

If the medical expenses do not exceed the deductible amount for Bowtie Pink, do I still need to file a claim with Bowtie?

Yes, 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.

Can I change the deductible option for my Bowtie Pink plan?

Yes, You can log in to the Bowtie online platform to apply to change the deductible option at least 30 days before the next annual renewal date. The new plan will take effect on the next annual renewal date of the original plan, and the premium will start to be charged from that day, while the original plan will be terminated on the same day. The new plan will retain the policy number of the original plan, and valid policy benefits, BowtieCash and past claim records will also be retained.

Application method: Log in to the online member portal → Select the relevant policy → Click Modify Policy

If the application involves an increase in coverage, the application will need to be re-underwritten, and the waiting period for "unknown pre-existing conditions" under the new plan will be recalculated to ensure overall customer fairness. The coverage results may be different from the original plan, but you do not need to submit your personal information and conduct identity verification again. The arrangements for different applications are as follows:

Original Plan New Plan Re-underwriting and recalculation of waiting period for "unknown pre-existing conditions"
Bowtie Pink ($20K / $50K / $80K Deductible) Higher ward class with the same deductible
  Higher ward class with a lower deductible*
  Higher ward class with a high deductible
  Same ward class with a lower deductible*
  Lower ward class with a lower deductible*
  lower ward class with the same deductible  
  lower ward class with a higher deductible  
  same ward class with a higher deductible  
Bowtie Pink ($0 Deductible) Higher ward class with the same deductible
  Higher ward class with a higher deductible
  lower ward class with the same deductible  
  lower ward class with a higher deductible  
  same ward class with a higher deductible  

* If a Bowtie Pink VHIS insured person meets the following two requirements, the policyholder may exercise a one-time right to lower or cancel the deductible within a specified period without undergoing re-underwriting and without providing proof of insurability for the insured person:

1. The relevant Bowtie Pink VHIS plan has been continuously effective for 2 years or more;
2. The insured person is 55, 60, 65, 70, 75, or 80 years old.

The policyholder may exercise this right on the day the insured person reaches the above age or at least 30 days before the next policy renewal date following that age, lowering the deductible to the options available at that time. Please note that this right can only be exercised once in a lifetime per insured person.

In any case, the premium after changing the deductible will be adjusted according to the then-applicable standard premium schedule and relevant terms. For details, please refer to the policy terms and conditions Supplement No.1.

 

Is there an upper age limit for renewing the VHIS plan?

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
Will my renewal premiums increase due to claims? Will I be refused coverage due to a claim?

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.

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Not all medical insurance on the market guarantees renewal.

Want to make sure you are protected once policy is in effect?

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