Author
Bowtie Team
Updated on
2025-05-27
Disclaimer: This article is translated with the assistance of AI.
What are common women’s health issues? Let’s compare the top 3 VHIS plans with full compensation, and find you the perfect medical coverage!
Top 3 Women’s Health Issues
Pelvic Inflammatory Disease
When the vagina is infected by bacteria, the purulent secretions will destroy the cervical mucus structure, allowing bacteria to invade the endometrium along the cervix, and subsequently infect the entire pelvic cavity, causing Pelvic Inflammatory Disease .
| Common Diagnostic Tests and Surgeries | Private Hospital Fees ( HK$ ) |
| Pelvic Ultrasound | $1,020 – $3,270 |
Endometriosis (Chocolate Cyst)
If menstrual blood flows backward through the fallopian tubes into the pelvic cavity, endometrial tissue grows on organs outside the uterine cavity, forming endometriosis , which can lead to inflammation, pain, and even infertility.
If endometriosis occurs in the ovaries, forming a hemorrhagic cyst known as an endometrioma, it is also called a “chocolate cyst.” A chocolate cyst usually does not cause pain, but if it ruptures, the fluid inside will flow into the body cavity and form adhesions, causing severe pain for the patient.
| Common Diagnostic Tests and Surgeries | Private Hospital Fees ( HK$ ) |
| Pelvic Ultrasound | $1,020 – $3,270 |
| Laparoscopic Unilateral Ovarian Cystectomy | Approximately $72,000 – $113,000 |
| Pelvic MRI Scan | $6,160 – Approximately $29,000 |
| Laparoscopic Hysterectomy | Approximately $88,000 – $164,000 |
Polycystic Ovary Syndrome
The ovaries normally release female hormones such as “estrogen” and “progesterone,” as well as the male hormone “androgen.” If androgen is secreted in excess, hormonal imbalance will prevent the ovaries from ovulating normally. The unexpelled follicles will form small cysts in the ovaries, leading to polycystic ovary syndrome , and patients may experience health issues such as menstrual irregularities.
| Common Diagnostic Tests and Surgeries | Private Hospital Fees ( HK$ ) |
| Pelvic Ultrasound | $1,020 – $3,270 |
Common Health Issues in Middle-Aged to Elderly Women
Heart Disease
Heart Disease refers to various diseases affecting the heart and blood vessels, including coronary heart disease, valvular heart disease, hypertensive heart disease, arrhythmias, and heart failure.
| Common Diagnostic Tests and Procedures | Hospital Fees ( HK$ ) |
| Various ECGs | $304 – $9,910 (private hospital) |
| Cardiac CT | $2,900 – approximately $13,000 (private hospital) |
| Cardiac MRI | $6,910 – approximately $15,000 (private hospital) |
| Cardiology – Invasive Tests/Procedures | $9,610 – approximately $53,000 (private hospital) |
| Coronary Angioplasty or Angioplasty Surgery (Angioplasty) (Fees depend on the type of coronary stent) | $100,000 – $300,000 (private hospital)
$60,000 – $70,000 (public hospital) |
Osteoporosis
Bone density gradually decreases with age, making bones more fragile and prone to fractures. This chronic bone metabolism disease is called osteoporosis , and patients typically have no symptoms or pain.
| Common Diagnostic Tests and Procedures | Private Hospital Fees ( HK$ ) |
| Bone Density Scan | $800 – $4,300 |
| Fracture Surgery | Approximately $52,000 – $176,000 |
Uterine Fibroids
Uterine fibroids are common benign tumors, mostly found in the pelvic cavity. They generally grow slowly, so symptoms only appear when the fibroids reach a certain size.
| Common Diagnostic Tests and Procedures | Private Hospital Fees ( HK$ ) |
| Pelvic Ultrasound | $1,020 – $3,270 |
| Pelvic MRI Scan | $6,160 – $29,410 |
| Laparoscopic Uterine Fibroid Removal Surgery | Approximately $75,000 – $141,000 |
Breast Cancer
Breast cancer is a malignant tumor that occurs in the breast, where cancer cells may spread to the lymph nodes under the armpit and to organs such as the lungs, bones, liver, and brain.
| Common Diagnostic Tests and Procedures | Private Hospital/Clinic Fees or Medication Costs ( HK$ ) |
| Breast Ultrasound | $950 – $2,480 |
| Breast X -ray (Mammography) Fees (2D/3D) | $1,110 – $4,080 |
| Breast MRI Scan | $9,340 – approximately $15,000 |
| Breast Cancer Markers/Tumor Marker Tests | $1,400 – $2,400 |
| Breast Cancer Genetic Testing Fees | $3,800 |
| Total Mastectomy | Approximately $72,000 – $106,000 (package fees) |
| Breast Tumor Removal or Partial Mastectomy | Approximately $42,000 – $108,000 (package fees) |
| Chemotherapy Treatment | $50,000 – $150,000 |
| Radiation Therapy Treatment | $32,000 – $133,000 |
| Targeted Therapy Treatment | $350,000 – $450,000 (estimated medication costs) |
| Hormone Therapy Treatment (Requires medication for 5 to 10 years) | $600 – $1,300 (monthly medication costs) |
Cervical Cancer and Ovarian Cancer
Cervical cancer originates from cells in the cervix infected by the human papillomavirus (HPV), leading to precancerous changes known as cervical intraepithelial neoplasia (CIN), which can develop into a malignant tumor.
Ovarian cancer is caused by abnormal cell growth during ovulation in women. As women age, these abnormal cells may fail to repair themselves and could turn into malignant tumors.
| Common Diagnostic Tests and Procedures | Private Hospital Fees or Medication Costs ( HK$ ) |
| Colposcopy and Biopsy (Local Anesthesia) | Approximately $12,000 |
| Pelvic Ultrasound | $1,020 – $3,270 |
| Pelvic MRI Scan | $6,160 – approximately $29,000 |
| Laparoscopic Hysterectomy | $87,737 – approximately $164,000 |
| Oophorectomy (Laparoscopic/Open Surgery) | $81,000 – approximately $230,000 |
| Targeted Therapy Treatment (for Ovarian Cancer) | $30,000 (estimated monthly medication costs) |
Does Bowtie Pink Cover Gynecological Diagnostic Examinations?
Very often, busy lives lead to negligence of health. It is important to bear in mind that, minor issues (such as menstrual pain, chest pain, back pain, or abnormal discharge from private areas) may be warning signs of illness.
Prevention is better than cure. If you experience any discomfort or abnormalities, you should seek medical attention promptly so that doctors can recommend appropriate examinations and treatment plans.
Bowtie Pink (VHIS) provides full coverage for diagnostic examinations and surgical procedures 1 , meaning examinations and surgical procedures conducted by the attending/registered doctor based on your symptoms under written recommendation , including (1) ultrasound and X -ray and their analysis ^ , among other miscellaneous expenses, (2) CT , MRI , PET , PET-CT , PET-MRI , and other specified diagnostic imaging tests, (3) hysteroscopy, colposcopy, laparoscopy, myomectomy, mastectomy, hysterectomy , and other examinations and surgeries.
If other treatments are needed after the examination, Bowtie Pink also covers the following expenses:
- Room and board
- Attending doctor’s ward rounds fees
- Surgeon’s fees
- Anesthetist’s fees
- Operating room fees
- Outpatient care before admission or after discharge / before and after day surgery* (one before, three after#)
- Miscellaneous expenses
- 1 Full reimbursement means there are no sub-item reimbursement limits and applies only to specified coverage items. The payable reimbursement is subject to the deductible balance (if applicable), annual coverage limit, lifetime coverage limit, and other restrictions including reasonable and customary charges, pre-existing conditions, designated hospitals in mainland China, and matters related to treatment in the US. For detailed product terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
- * The company has the right to request proof of the written recommendation, such as a referral letter or statements provided by the attending doctor 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 consultations within 90 days after discharge / day surgery.
- ^ Coverage includes only the relevant examinations conducted during hospitalization and day surgery.
VHIS only covers the above-mentioned diagnostic tests . Checks not derived from symptoms, such as annual physical examinations or regular gynecological check-ups, are considered preventive health checks and are not covered under VHIS.
Bowtie Pink Is Here For The Sis !
Facing the uncertainty of illnesses and physical conditions, Bowtie Pink stands by you. Bowtie Pink has no item compensation cap and provides full compensation # for any hospital’s eligible medical expenses related to diagnosis, hospitalization, surgery, and specified non-surgical cancer treatments , so you won’t have to worry about insufficient coverage!
Bowtie Pink offers up to HK$20 million in annual coverage, with various room types (standard room, semi-private room, and private room) and deductible options, allowing you to flexibly complement your company’s medical insurance. For example, for a 30-year-old non-smoking woman, opting for Bowtie Pink (standard room) costs only HK$197 ~ per month!
Individuals aged 15 to 80 can apply for Bowtie Pink, with guaranteed lifelong renewal, and coverage applies worldwide * , whether you’re traveling or planning to emigrate. Like other Bowtie insurance products, Bowtie Pink uses a monthly premium model with no savings or investment components, and there are no binding clauses or surrender fees if you decide to cancel the policy.
- # Full compensation means no per-item limits and applies only to specified coverage items. Compensation is subject to the deductible balance (if applicable), annual coverage limit, lifetime limit, and other conditions including reasonable and customary charges, pre-existing conditions, designated hospitals in mainland China, and related U.S. treatment rules. For full product terms, conditions, risks, and exclusions, please refer to the relevant product website and policy.
- ~ Assumes selection of standard room with HK$80,000 deductible option.
- * Bowtie Pink Voluntary Health Insurance Plan’s psychiatric treatment, rehabilitation, and medical negligence coverage applies only in Hong Kong. Full compensation under Bowtie Pink does not apply to hospitals in the U.S. or non-designated hospitals in China. If the insured plans to emigrate, premiums may be adjusted based on the risks of the new region. For details, please call 3008 8123 to contact Bowtie customer service.
Compare Women’s Health Insurance
For example, for a 35-year-old non-smoking woman with a HK$0 deductible option and standard room level:
| Bowtie Pink | C Company | F Company | |
| Full Compensation Coverage | ✓ | ✓ | ✓ |
| Covered Regions | Worldwide @% | Asia @ | Asia @ |
| Annual Coverage Limit (HK$) | $8,000,000 | $5,000,000 | $8,000,000 |
| Deductible Options (HK$) | $0 / $200,000 / $500,000 / $800,000 | $0 / $150,000 / $250,000 | $0 / $160,000 / $250,000 / $500,000 / $1,000,000 / $1,800,000 |
| Monthly Premium (HK$) | $735
|
$838 | $767.88 |
- @ Psychiatric treatment is limited to Hong Kong only.
- % Excludes hospitals in the US and those in China not on the specified list.
⭐️ VHIS + Critical Illness Insurance: Why Do You Need Both?
First, it’s essential to understand that medical insurance and critical illness insurance serve different purposes:
- Medical insurance: Provides reimbursement on an actual expenses basis for eligible medical costs
- Critical illness insurance: Offers a lump-sum payment if the insured is diagnosed with a specified serious illness, to cover living expenses during the period of absence from work, allowing the insured to focus on treatment and recovery
Therefore, if you are unfortunately diagnosed with a critical illness, having only medical insurance may cover your medical expenses but might not address the long-term challenges associated with the illness. In reality, even if the illness is not fatal, it often forces you to stop working and lose income, which can affect your quality of life and disrupt your existing plans.
Since medical insurance and critical illness insurance provide complementary coverage, a reliable critical illness insurance policy can replace your lost income during your absence from work, providing financial support and reducing the impact on your family, while maintaining your original quality of life.
Moreover, even if you cannot purchase new insurance after an illness, the critical illness payout can help cover your existing medical insurance premiums when necessary.
Critical illness insurance is absolutely an important form of protection. Beyond medical insurance, the importance of critical illness insurance cannot be overlooked. In any situation, as long as you have a stable income, you should actively consider purchasing a critical illness policy to provide yourself with additional protection.
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FAQs
1. Should I buy medical insurance or critical illness insurance?
Medical insurance reimburses medical expenses on an actual basis, while critical illness insurance provides a lump-sum cash payout to compensate for lost work income due to illness, with the two complementing each other. If your financial situation allows, it’s best to purchase both for comprehensive coverage. If your budget is limited and you can only afford one, we recommend starting with medical insurance.
After all, the chances of developing a critical illness (serious disease) are lower than those of developing mild to moderate illnesses or injuries, and early treatment is key to preventing health issues from escalating into critical illnesses. Therefore, even if your premium budget is tight, we suggest prioritizing voluntary health insurance or similar medical insurance to ensure at least basic medical coverage.
2. Why should I buy medical insurance while I am still young and healthy?
It’s always better to buy medical insurance earlier.
First, understand that applying for a medical policy requires going through the insurance company’s underwriting process . Only after underwriting is approved will the policy take effect. However, illnesses are unpredictable; if you don’t have a medical policy yet and already have a medical history, or if certain health indicators (such as blood pressure and blood sugar) are out of range when you decide to apply, you might face additional premiums (loading) or exclusions from the insurer in mild cases, or even policy denial in severe cases.
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