Author
Bowtie Team
Updated on
2025-07-10
Disclaimer: This article is translated with the assistance of AI.
What health issues do men face at different ages? Which insurance plans cover diagnostic tests for men’s diseases? Wondering which men’s health insurance is the best? The Bowtie team breaks down common men’s health concerns and compares 3 full-coverage medical plans tailored for men!
Common Men’s Health Issues
Phimosis / Long Foreskin
When the penis is not erect and the foreskin completely covers the glans, it is considered long foreskin . If the foreskin is too tight or narrow, it is called phimosis. These conditions can lead to inflammation of the glans, foreskin infections, urinary tract issues, and sexually transmitted infections.
| Common Diagnostic Tests & Surgeries | Private Hospital/Clinic Fees (HK$) |
| Circumcision | $8,500 – $64,000 |
Hemorrhoids
Hemorrhoids are swollen veins in the anus and lower rectum, categorized as external, internal, prolapsed, or thrombosed hemorrhoids. They form due to prolonged blood flow and accumulation near the anus, causing vein dilation. Risk factors include chronic constipation, excessive straining during bowel movements, and prolonged sitting on the toilet.
| Common Diagnostic Tests & Surgeries | Private Hospital/Clinic Fees (HK$) |
| Hemorrhoidectomy | $19,000 – $67,000 |
| Hemorrhoid Ligation Surgery | $3,000 |
Common Health Issues for Middle-Aged to Elderly Men
Heart Disease
Heart Disease refers to a range of conditions affecting the heart and blood vessels, including coronary artery disease, valvular heart disease, hypertensive heart disease, arrhythmias, and heart failure.
| Common Diagnostic Tests & Surgeries | Hospital Fees ($) |
| Various Types of ECG | $304 – $9,910 (Private Hospitals) |
| Cardiac CT Scan | $2,900 – $13,000 (Private Hospitals) |
| Cardiac MRI | $6,910 – $15,000 (Private Hospitals) |
| Cardiology – Invasive Tests/Procedures | $9,610 – $53,000 (Private Hospitals) |
| Coronary Intervention or Angioplasty (Stenting) (Fees depend on the type of coronary stent) | $100,000 – $300,000 (Private Hospitals)
$60,000 – $70,000 (Public Hospitals) |
Lung Cancer
Lung Cancer refers to malignant tumors in the lungs, broadly categorized into non-small cell lung cancer (more common, including adenocarcinoma, squamous cell carcinoma, and large cell carcinoma) and small cell lung cancer (rarer, with faster spread). Major causes include smoking (including secondhand smoke), genetics, and long-term exposure to chemicals, construction materials, cooking fumes, and incense smoke.
| Common Diagnostic Tests & Surgeries | Private Hospital Fees ($) |
| Chest X-Ray | $280 – $810 |
| Chest CT Scan | $5,300 – $25,000 |
| Radiotherapy Course | $25,000 – $178,000 (Full Course) |
| Immunotherapy Course | $60,000 – $70,000 (Every 3-4 Weeks) |
| Targeted Therapy Course | $53,000 – $137,000 (Monthly) |
Liver Cancer
Liver Cancer refers to abnormal cell division and mutation in the liver, broadly classified into primary liver cancer and metastatic liver cancer. Risk factors for primary liver cancer include chronic viral hepatitis, excessive alcohol consumption, metabolic disorders (such as obesity and diabetes), and genetics.
| Common Diagnostic Tests & Surgeries | Private Hospital Fees ($) |
| Full Abdominal Ultrasound | $2,500 – $7,700 |
| Upper Abdominal CT Scan | $2,900 – $12,000 |
| Upper Abdominal MRI Scan | $6,300 – $18,000 |
| Partial Hepatectomy/Liver Transplant Surgery | $110,000 – $472,000 (Public Hospital Private Services) |
| Radiotherapy Course | $34,000 – $130,000 (Full Course) |
| Targeted Therapy Course | $157,000 (Monthly) |
Prostate Cancer
Prostate Cancer refers to abnormal growth of prostate cells turning into cancerous cells. The exact cause is unclear, but risk factors include age (common in men over 50), high-fat diets, lack of exercise, and family history.
| Common Diagnostic Tests & Surgeries | Private Hospital Fees ($) |
| Positron Emission Tomography (PET) Scan | $13,000 – $33,000 |
| Prostatectomy Surgery | $284,000 – $413,000 |
| Radiotherapy Course | $45,000 – $260,000 (Full Course) |
| Targeted Therapy Course | Over $30,000 (Monthly) |
Nasopharyngeal Cancer
Nasopharyngeal Cancer refers to abnormal cell growth in the nasopharynx turning into malignant tumors. It is a common head and neck cancer among men in Hong Kong. Risk factors include family history, Epstein-Barr virus (EBV) infection, smoking, and excessive consumption of preserved or smoked foods.
| Common Diagnostic Tests & Surgeries | Private Hospital Fees ($) |
| Neck/Nasopharyngeal CT Scan | $5,540 and up |
| Neck/Nasopharyngeal MRI Scan | $11,000 and up |
| Nasopharyngeal Endoscopy | $1,500 and up |
| Chemotherapy Course | $1,800 – $3,800 (Per Session) |
| Radiotherapy Course | $107,000 – $200,000 (Full Course) |
| Targeted Therapy Course | $13,000 (Monthly) |
Bowtie Pink: What Men’s Health Checks Are Covered?
Prevention is better than cure. Small issues like back pain, chest pain, coughing, blood in urine or stool, or abnormal health indicators could be early warning signs of serious conditions. The earlier you detect them, the sooner you can treat them, and the better your chances of recovery.
Bowtie Pink VHIS offers full coverage 1 for diagnostic tests and surgical procedures , as recommended in writing by your attending or registered doctor based on your symptoms. This includes the following tests* and surgical procedures:
- Ultrasound and X-ray scans, along with related analysis ^ and miscellaneous expenses.
- Prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT, and PET-MRI .
- Procedures and surgeries like hemorrhoid removal, nasopharyngoscopy, prostatectomy, partial hepatectomy, liver transplant, and angioplasty (“ballooning”) .
If further treatment is required after the tests, Bowtie Pink also covers the following expenses:
- Ward accommodation and meals
- Attending doctor’s ward visit fees
- Surgeon fees
- Anesthesiologist fees
- Operating theater fees
- Pre-admission or post-discharge / pre- and post-day surgery outpatient care* (1 time before, 3 times after#)
- Miscellaneous expenses
- 1 Full reimbursement refers to no sub-limits on specific benefit items and applies only to designated coverage items. Payable benefits are subject to deductible balance (if applicable), annual benefit limits, lifetime benefit limits, and other conditions including reasonable and customary charges, pre-existing conditions, designated hospital lists in Mainland China, and treatments in the US. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
- * The company reserves the right to request proof of the written recommendation, such as a referral letter or a statement provided by the attending or registered doctor in the claim application form.
- # Up to 1 outpatient or emergency consultation before hospitalization/day surgery; up to 3 follow-up outpatient visits within 90 days after discharge/day surgery.
- ^ Coverage only includes related tests conducted during hospitalization or day surgery.
Please note, VHIS only covers the above-mentioned diagnostic tests . As for check-ups not triggered by symptoms, such as annual physicals or regular men’s health screenings, these fall under preventive health check-ups and are not covered by VHIS.
Bowtie Pink VHIS: Power Up with Bros
You don’t become a world champion by accident, and Bowtie Pink (Ward) is here to power up with all the bros out there. Bowtie Pink offers full reimbursement # for eligible medical expenses at any hospital, including diagnostics, hospitalization, surgeries, and prescribed non-surgical cancer treatments , so you never have to worry about insufficient coverage when it matters most!
Bowtie Pink boasts an annual coverage limit of up to HK$20,000,000, with various ward options (Ward, Semi-Private, and Private) and deductible choices, allowing you to flexibly complement your company’s medical insurance. For example, a 30-year-old non-smoking male can get Bowtie Pink (Ward) for just HK$197 ~ per month!
Anyone aged 15 days to 80 years can apply for Bowtie Pink, with guaranteed lifetime renewal. Plus, coverage is globally applicable * , ensuring protection whether you’re traveling or planning to emigrate. Like other Bowtie insurance products, Bowtie Pink operates on a monthly premium model with no savings or investment components. Even if you decide to cancel the policy later, there are no binding clauses or surrender fees.
- # Full reimbursement means no sub-limits on claims and applies only to specified coverage items. Reimbursement is subject to deductible balance (if applicable), annual coverage limits, lifetime coverage limits, and other conditions including reasonable and customary charges, pre-existing conditions, designated hospital lists in mainland China, and treatment in the US. For detailed terms, conditions, product risks, and exclusions, please refer to the relevant product website and policy.
- ~ Assumes Ward option with HK$80,000 deductible.
- * Psychiatric treatment, rehabilitation, and medical negligence coverage under Bowtie Pink (Ward) are only applicable in Hong Kong. Full reimbursement does not apply to the US or non-designated hospitals in China. If the insured relocates, premiums may be adjusted based on potential risks in the new region. For details, please contact Bowtie Customer Service at 3008 8123.
Men’s Health Insurance Comparison 2023
Using a 35-year-old non-smoking male with a HK$0 deductible option and Ward level as an example:
| Bowtie Pink (Ward) | Company C | Company F | |
| Full Reimbursement Coverage | ✓ | ✓ | ✓ |
| Coverage Region | Global @% | Asia @ | Asia @ |
| Annual Coverage Limit (HK$) | $8,000,000 | $5,000,000 | $8,000,000 |
| Deductible Options (HK$) | $0 / $20,000 / $50,000 / $80,000 | $0 / $15,000 / $25,000 | $0 / $16,000 / $25,000 / $50,000 / $100,000 / $180,000 |
| Monthly Premium (HK$) | $735 | $838 | $767.88 |
- @ Psychiatric treatment is limited to Hong Kong only.
- % Excludes the United States and non-designated hospitals in China.
Get Insured Now & Enjoy Discounts
FAQ
1. Should men buy health insurance or critical illness cover first?
Health Insurance reimburses medical expenses on an actual cost basis, while Critical Illness Insurance provides a lump-sum cash payout to compensate for lost income during illness. Both complement each other. If your budget allows, it’s best to purchase both for comprehensive protection. However, if finances are tight and you can only afford one, we recommend starting with health insurance.
After all, the likelihood of developing a critical illness (severe disease) is lower than suffering from mild to moderate illnesses or injuries. Early treatment is also key to preventing health issues from escalating into critical conditions. So, even if your budget for premiums is limited, we suggest prioritizing VHIS or other health insurance plans to ensure at least basic medical coverage.
2. Why should men buy health insurance while young and healthy?
Regardless of gender, the earlier you buy health insurance, the better. Some people think that when they’re young and fit, there’s no rush to get coverage since they’re free of ailments. But honestly, that’s a risky mindset.
First, understand that all health insurance applications must go through the insurance company’s underwriting process . Only after passing underwriting will the policy take effect. However, illnesses and injuries are unpredictable. If you don’t have coverage and already have a medical history or certain health indicators (like blood pressure or blood sugar) are out of range, applying for insurance later could result in higher premiums (Loading) or exclusions for specific conditions. In worse cases, you might even be denied coverage altogether.
Data Sources
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