Insurance

Torn Meniscus: Can You Still Get VHIS? Bowtie Underwriting Guide

Author Bowtie Team

Updated on 2025-07-21

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

Wondering if a torn meniscus means no more insurance options? Will you face extra premiums (loadings)? Let the Bowtie team break down our underwriting rules for you.

What is a Torn Meniscus?

The meniscus is a crescent-shaped cartilage in the knee that helps distribute pressure evenly and acts as a shock absorber. Torn meniscus is a very common sports injury in Hong Kong, often caused by sudden changes in direction while running or abrupt twisting of the knee.

Meniscus Tears Come in Two Types

Patients under 35 often suffer from high-energy trauma, while the other type is degenerative tears, which commonly occur in people over 50.

Torn Meniscus Underwriting Considerations

1. What Treatments Has the Insured Received? (Including Medication/Surgery)

We assess the type of treatment the insured has undergone, such as whether they’ve had meniscus repair surgery or just conservative treatment.

2. Has the Insured Fully Recovered? Any Complications?

We consider the insured’s recovery level, like the date of last treatment, full recovery date, and any complications (including chronic pain, limited normal knee movement, stiffness, or weakness).

Torn Meniscus Underwriting Results

1. Coverage Approved, But with Premium Loading and/or Exclusions

While the insurance company may approve the application, they might add a premium loading (commonly known as “loading”) and/or exclusions based on the situation.

2. Direct Rejection

If the insured hasn’t fully recovered, has other complications, or needs further treatment, we may decide to reject the application outright based on the case details .

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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