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 9
2021-2023
Insurance brand that customers think are best value in money 10
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
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.
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
Disclaimer
1 Except for the key exclusions of the plan.
2 The 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.
4 According to data from Bowtie enrollment platform, as of December 13, 2022, Bowtie VHIS Flexi Plan was the most popular among the Bowtie VHIS series.
5 As 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.
6 Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, a pre-existing condition, "List of Designated Hospitals in Mainland China" and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
7 The 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.