Insurance

Is There Overseas Hospital Coverage For Bowtie Medical Insurance?

Author Bowtie Team

Updated on 2025-05-27

Disclaimer: This article is translated with the assistance of AI.

Planning for your getaway vacations? Include Bowtie Travel Medical Insurance for overseas hospitalization coverage and receive international support during emergencies!

Does Bowtie Sell Travel Insurance?

As of now, Bowtie does not offer any type of Travel insurance , but all our VHIS plans provide worldwide medical coverage*, meaning that if you unfortunately require hospitalization (or day treatment) due to illness or an accident abroad, the related expenses can be reimbursed.

It is worth noting that each plan has different coverage limits, as detailed below:

	Flexi Plan (Regular)	Bowtie Pink (Standard Room)
Annual coverage limit	$600,000	$8 million

* Psychiatric treatment, rehabilitation treatment, and medical negligence coverage are only available in Hong Kong; for Bowtie Pink customers, medical expenses incurred in hospitals in China outside of the US and the specified Chinese hospitals list will be compensated according to the standard plan’s limits.

Do You Need to Claim Insurance While Traveling? Bowtie VHIS Offers Global Support!

All Bowtie VHIS policyholders can enjoy global emergency support services.

If you encounter an accident abroad and need emergency assistance, you can contact our partner ( 852-2863 5767 ) – International Rescue Asia (IPA) – and provide the following information to receive help:

Policyholder’s name
Policyholder’s ID or passport number
Policy number
Current location and local contact phone number

What services does global support include?

Services include dispatching basic medications/medical equipment/Hong Kong doctors, guaranteed hospital admission deposit, and medical expenses during hospitalization, etc., View more service details

What Does Bowtie VHIS Cover?

Bowtie VHIS can cover medical expenses arising from illness or accidents, including hospitalization or day surgery. Below, we use the Flexi Plan (Regular/Plus) and Bowtie Pink as examples to clearly show the coverage items for each plan for your reference.

Coverage Items
Ward and Meals Miscellaneous Expenses Attending Physician’s Ward Round Fees Specialist Doctor Fees Intensive Care Surgeon Fees Anesthetist Fees Operating Room Fees Specified Diagnostic Imaging Tests Specified Non-Surgical Cancer Treatments Pre-Admission or Post-Discharge / Pre- or Post-Day Surgery Outpatient Care Psychiatric Treatment	Accident Emergency Outpatient Treatment Daily Home Nursing Fees After Discharge Rehabilitation Treatment Outpatient Kidney Dialysis (Hemodialysis) Inpatient Accompanying Bed Fees End-of-Life and Palliative Care Day Surgery Cash Benefit Medical Negligence Coverage Total and Permanent Loss of Self-Care Income Protection

Compare Different Plans of Bowtie Voluntary Health Insurance

Bowtie Travel Medical Insurance and Limited-Time Offers

Travel inevitably involves some unforeseen events, so most people purchase general travel accident insurance before departure. Even if unfortunate incidents like flight delays or loss of property occur, you can receive certain compensation.

In addition, traveling abroad may lead to “acclimatization issues.” When health problems arise (such as sudden illnesses or food poisoning), you might need various treatments during the trip, even hospitalization. Moreover, medical costs vary by country and are hard to estimate, which undoubtedly affects your travel budget.

Therefore, it’s not just about travel insurance; you also need to purchase medical insurance so that your medical expenses can be covered even if you fall ill or have an accident.

So, how much is the monthly premium?

Below, we will use the Flexi Plan (Regular) and Bowtie Pink – Standard Room (with an HK$80,000 deductible) as examples to show the monthly premium for a family of three (assuming the parents are 40-year-old non-smokers and the son is 5 years old):

	Flexi Plan (Regular)	Bowtie Pink – Standard Room (with an HK$80,000 deductible)
Father	$307	$250
Mother	$407	$250
Son	$250	$141
Total monthly premium	$964	$641

⚡Bowtie Pink Blog Promo!

Tired of sky-high private hospital bills but hesitant about purchasing VHIS? Bowtie Pink provides full coverage*, with long-term premiums are substantially lower than market rates^.

For a limited time, use the exclusive Bowtie Blog promo code【BLOGENGINSURE】to get an impressive 65% in first year’s premium and secure top-tier health protection at an unbeatable price!

^{*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.}
^{^For example, with Bowtie Pink (Ward) and the deductible option HK$80,000, the monthly premium for a 30-year-old non-smoker is HK$197. The premium comparison above is based on similar medical insurance plans with the ward level (data source on 27, July 2023), HK$50,000 to HK$80,000 deductibles, for a 30-year-old non-smoker. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.}

Author

Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021. Stay up to date at www.bowtie.com.hk