Author
Bowtie Team
Updated on
2025-07-10
Disclaimer: This article is translated with the assistance of AI.
Discover how Bowtie Flexi Plan, with GHK or CUHK Wellness Packages, offers full coverage for over 200 surgeries and procedures¹, while premium Bowtie Pink delivers comprehensive payouts². Though they seem similar, each has unique advantages. Join the Bowtie team to explore what’s best for you!
Compare Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) and Bowtie Pink
| Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) | Bowtie Pink | |
| Ward Type Options | General Ward / Semi-Private Room
(Designated medical packages only apply to General Ward level) |
General Ward / Semi-Private Room / Private Room |
| Full Compensation Items | For specified 200+ surgeries / medical procedures at GHK/CUHK 1 | No hospital limits, no specified surgeries / medical procedures 2 |
| Annual Physical Examination | Included | Not Included |
| Premium (Non-Smoking Male, General Ward) | $561 (Age 0)
$389 (Age 20) $532 (Age 40) $1,084 (Age 60) |
$486 (Age 0)
$485 (Age 20) $807 (Age 40) $1,946 (Age 60) |
GHK/CUHKMC Wellness Package Coverage Overview
- Covers 7+ specialties, 200+ all-inclusive surgeries / medical procedures 1 , including common ones like endoscopy, colonoscopy, and cataract surgery. The package price already includes all basic items related to the surgery or medical procedure, so users won’t have to worry about unexpected add-ons or “seafood pricing.”
- Additional $500 cash coverage: Each time you use a specified medical package, you’ll get $500 in cash coverage. It’s calculated based on the number of specified medical packages used, with no limit on the number of claims. 3
- No out-of-pocket upon discharge 4 : As long as you mention that you hold this wellness package (i.e., GHK or CUHKMC Wellness Package) during your pre-surgery consultation at the specified hospital, Bowtie will automatically handle the claim documents and pre-approval of treatment costs with the hospital, letting you leave without any upfront payment.
- Annual health check (including optional exams recommended by a doctor): Both CUHK Medical Centre and Gleneagles Hong Kong Hospital provide doctor consultations. In addition to the basic health check, you’ll get HK$1,500 worth of BowtiePoints to redeem various exams or health services based on your doctor’s recommendations.
For details on the annual health checks, specified medical packages, and terms and conditions of each wellness package, please refer to the relevant product websites: GHK Wellness Package / CUHKMC Wellness Package
1. Ward Types: Bowtie Pink Wins!
Ward types can make a big difference in your privacy and overall medical experience. The Bowtie medical plans (with GHK/CUHKMC Wellness Package) offer options like standard wards and semi-private rooms, but Bowtie Pink takes it up a notch by adding private rooms to the mix.
Keep in mind, though, GHK/CUHKMC specified medical packages only apply to standard ward levels—that means two-bed rooms with suite facilities at Gleneagles Hong Kong Hospital or day wards/four-person rooms at CUHK Medical Centre. If your plan covers semi-private rooms (like Bowtie VHIS Flexi Plus), you’ll need to stick to those ward types when using the specified packages to enjoy the extra $500 cash coverage and full reimbursement. Otherwise, costs will be covered up to the limits in your Voluntary Health Insurance plan.
So, if privacy is a top priority for you or you want to enjoy all the room amenities solo, going with Bowtie Pink’s private room plan might just be the smarter choice.
2. Full Reimbursement Items: Bowtie Pink Wins!
The Bowtie VHIS Flexi Regular or Plus (with GHK/CUHKMC Wellness Package) offers full reimbursement for over 200 surgeries and medical procedures 1 , but only at GHK or CUHKMC. For anything outside those 200+ procedures, Bowtie VHIS Flexi plans switch to a more limited reimbursement model. On the flip side, Bowtie Pink provides full reimbursement for medical expenses 2 , no matter the hospital or procedure—making it a more flexible option overall.
3. Health Check-ups: VHIS Flexi Plan + Wellness Package Wins!
Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) offers an annual health check-up, which is its unique advantage. As the saying goes, prevention is better than cure, so regular health check-ups can help detect potential health issues early. In contrast, the Bowtie Pink plan focuses on medical coverage and does not include this service.
4. Premiums: VHIS Flexi Plan + Wellness Package Wins!
Premiums are a key factor when subscribing. As shown in the table above, with age, the advantage of Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) becomes more evident. For example, at age 60, its premium is about 44% lower than Bowtie Pink.
GHK/CUHK Wellness Package premiums are a flat rate of $200 per month, regardless of gender, age, claims record, or health status.
Therefore, if your budget is relatively limited and you want full reimbursement for certain surgeries and medical procedures, Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) might be suitable for you. Of course, if your financial situation is more affluent and you want high-end medical coverage, you can consider Bowtie Pink.
Get a Quote Now
- *
- 1 Full reimbursement for Bowtie VHIS Flexi Plan (with GHK/CUHK Wellness Package) applies only to specified medical package fees and is subject to the annual and lifetime limits of the VHIS Flexi Plan (if applicable). Additionally, the insured must pay any unapproved fees directly to the designated hospital before discharge.
- 2 Full reimbursement for Bowtie Pink means there are no sub-limits for specified coverage items and applies only to designated benefits. Compensation is subject to deductibles (if applicable), annual limits, lifetime limits, and other conditions including reasonable and customary charges, pre-existing conditions, designated hospitals in mainland China, and related U.S. treatment. For detailed terms, conditions, product risks, and exclusions, please refer to the relevant product website and policy.
- 3 This cash benefit applies to using specified medical packages and is not subject to the annual or lifetime limits of the VHIS Flexi Plan (if applicable).
- 4 For specified surgeries or medical procedures under designated medical packages at designated hospitals, the hospital will submit a pre-approval application to Bowtie on your behalf. You can enjoy the discharge no-balance billing service only after Bowtie approves it. For details on the service terms and conditions, please refer to the relevant service application form.
Related Articles
Other Topics
Blood HealthBowtie StoryBusinessCancerChinese MedicineCovidCustomer ReviewDeathcareDental HealthDigestive HealthDoctor SpecialistsDrugsEar, nose, and throatEndocrinology & DiabetesExercisingEye HealthFinanceFood & NutritionGroup Medical InsuranceHealthHealth GlossaryHeart HealthHospitalsHot TopicsImmigrationKidney HealthKids HealthlearnLiver DiseaseLung & RespiratoryMedical Check UpsMen’s HealthMental HealthNervous SystemOrthopedicsOutpatient ServicesParentingPhysiotherapyPress ReleasePrevention/VaccinationProduct PhilosophyRealtyRheumatic DiseaseSeniors HealthSkin IssueSymptomsTreatment PlanUrologyWomen’s Health女性健康