Author
Bowtie Team
Updated on
2025-12-29
Disclaimer: This article is translated with the assistance of AI.
As your child turns 2 and gears up for playgroups or preschool, their budding immune system means more playtime could lead to more sniffles. Dive into 5 common kid infections and uncover 3 smart insurance tips to secure the perfect protection for your little one!
What Insurance Should You Buy to Add Medical Protection for Your Kids?
Parents should follow the following order to choose insurance for their 2-year-old toddlers: Medical Insurance > Term Critical Illness > Accident > Term Life
It’s clear that toddlers often catch various types of infectious diseases when they start school, and even minor illnesses could lead to serious complications. Therefore, the first insurance parents should prioritize for their children is medical insurance . At the same time, you might also consider adding a Term CI policy to cover expenses for major illness treatments.
As for other types of insurance, since toddlers don’t have jobs or income, life insurance isn’t applicable. Additionally, they’re generally well looked after by their parents, so the risk of accidents is lower, making accident insurance less of a priority.
Now, let’s look at 3 tips to help you choose medical insurance!
3 Key Factors to Consider When Choosing Medical Insurance
1. Ward Level: Multi-occupancy General Wards Vs Private Rooms
Private hospital wards come in various levels, and the nightly rates for ordinary wards with 8 to 12 beds can differ greatly from private rooms, leading to significant variations in medical costs based on the ward level. So, if you want your child to receive treatment in a room with fewer other patients, pay attention to the ward level coverage.
2. Get Medical Insurance Early: Don’t Wait Until They’re Sick
Many parents only think about getting insurance when their child gets sick, but by then, you might not be able to buy it, or you’d face higher premiums and additional exclusions . That’s why you should get it while your child is healthy.
3. Always Choose Plans with Guaranteed Lifetime Renewal
While most medical insurance plans renew annually, VHIS plans are regulated by the government and must offer guaranteed renewal, so your child can continue to have peace of mind with coverage, even if their health changes.
Taking all the above into account, plus the fact that most parents want the best treatment and protection for their kids, many opt for premium medical insurance . This way, if hospitalization is needed, your child can stay in a private room, recover in a top-notch environment, and enjoy higher coverage limits than standard plans.
So, you might consider the Bowtie Pink VHIS Plan , which allows for stays in semi-private rooms with an annual limit of HK$10,000 ,000 and full reimbursement for various medical expenses * . Plus, if you already have company insurance covering your child, you can select a plan with a higher deductible to further reduce premiums.
Compare Bowtie Pink with Other Market Medical Plans
We know you’re looking for the best value-for-money product, so the table below compares Bowtie Pink (Semi-Private) with two other similar insurance company products (all three plans offer annual coverage limits over ten million, full reimbursement, and online application options).
| VHIS Product | Average annual premium From aged 2 – 11 (HK$) |
| Bowtie Pink (Semi-Private, HK$50,000 Deductible) | $3,266 👍 |
| Company F (Semi-Private, HK$50,000 Deductible) | $3,290 |
| Company C (Semi-Private, HK$50,000 Deductible) | $4,540 |
Bowtie Pink’s total standard premium for 10 years is only $3,266 , which is up to 28%* cheaper than the other two companies.
- * Insurance companies B and F’s premiums are calculated based on annual payments, while Bowtie Pink is based on monthly fees multiplied by 12 months. Generally, paying annually is cheaper than monthly. Discounts are not included.
Enhance Coverage with Critical Illness Insurance
If you want to strengthen your child’s protection against serious illnesses, consider adding a Term CI policy. Because if your child unfortunately develops a major illness, beyond medical costs, you might want to quit your job to focus on caring for them or reduce your working hours, which could increase your family’s financial burden .
Critical illness insurance can provide financial support for your family—for example, if you anticipate needing to take 2-3 years off work to care for your child, you might opt for a coverage amount that’s 2-3 times your annual income, just to be prepared. Click here to see how to calculate critical illness insurance coverage .
Besides the Bowtie Term CI , parents can also choose to insure unborn or newborn babies with Children’s Growth Term CI . This fills the gaps in current market medical insurance for newborn medical conditions, congenital, and genetic diseases, protecting both the unborn baby and the expectant mother.
The newly launched Children’s Growth Term CI has these key features:
- Lifetime coverage limit up to HK$500,000
- Available for purchase from 18 weeks of pregnancy (after completing a structural scan with no abnormalities in the report)
- Hong Kong’s first coverage for congenital genetic diseases, including various genetic conditions (like Angelman syndrome ), filling existing gaps in medical coverage
- Covers a range of medical situations, including various pregnancy complications (such as amniotic fluid embolism or preeclampsia )
- Covers treatment for severe jaundice with phototherapy*
Once your child reaches adulthood, parents can switch their coverage to Bowtie Term CI for even greater protection!
Children’s Growth Term CI Premium (Age 2)
| Age | Male | Female |
| 2 | $264 | $184 |
Want to add more outpatient coverage?
Bowtie now offers a BowtieGo Membership Plan to all Bowtie VHIS customers, allowing VHIS customers to enjoy network services including general practice, Chinese medicine, acupuncture, and chiropractic outpatient services at ‘member exclusive prices’, to alleviate daily medical burdens.
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