Author
Bowtie Team
Updated on
2025-07-10
Disclaimer: This article is translated with the assistance of AI.
Had an ACL Injury and wondering about VHIS eligibility? Learn if extra premiums apply and get the inside scoop on Bowtie’s straightforward underwriting rules—protect your future today!
What is Anterior Cruciate Ligament Injury?
The cruciate ligaments are two strong bands inside the knee joint that connect the femur and tibia, specifically the anterior cruciate ligament (ACL) and posterior cruciate ligament (PCL). They provide stability for forward-backward movements and rotations, which are essential for everyday activities and sports.
According to CUHK statistics , Hong Kong sees over 2,000 new cases of ACL injury or ruptures each year on average. An ACL injury is a common sports injury, especially in situations like:
- Sudden changes in direction
- Abrupt stops
- Slowing down while running
- Incorrect landing from a jump
- Direct contact or collisions, such as tackling in soccer or rugby
Even after surgery, the risk of re-tearing the ligament is still as high as 20%, and each recovery can take nearly a year
Underwriting Considerations for ACL Injury History
During the VHIS underwriting process, applicants must honestly disclose their medical history. If the insured has experienced a cruciate ligament injury, the insurance company will consider factors like:
1. What treatment did the insured receive? (Including medication/surgery)
The type of treatment can affect overall health risks. So, we evaluate the methods used, such as whether cruciate ligament reconstruction was performed or if conservative treatment was the only option.
2. Has the insured fully recovered? Are there any lingering issues?
We assess the extent of recovery, including factors like the date of the last treatment, the date of full recovery, and the absence of any complications (such as chronic pain, limited knee movement, or stiffness and weakness in the knee).
Underwriting Outcomes for Cruciate Ligament Injury History
1. Successful Policy Issuance
If the insured has undergone cruciate ligament reconstruction and has fully recovered for more than two years without any complications, coverage can be provided at standard levels.
2. Successful Policy Issuance with Increased Premiums and/or Exclusions
If no cruciate ligament reconstruction surgery was performed and/or recovery is not complete and/or there are complications, the insurance company may still approve the policy but will adjust premiums accordingly (known as loading) and/or add exclusions based on these factors.
3. Direct Policy Decline
If the insured has not fully recovered, has other complications, or requires further treatment, we may decide to decline the policy based on the specific circumstances.
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