Insurance

Does VHIS Cover Uterine Fibroids?

Author Bowtie Team

Updated on 2025-06-19

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

Got uterine fibroids and wondering if you can still snag VHIS coverage? What about those extra premiums (Loadings)? The Bowtie team simplifies underwriting rules to help you decide smartly.

What is Uterine Fibroid?

Uterine fibroids (also known as uterine myomas or leiomyomas) are mostly benign, the chance of turning into a malignant tumor is less than 0.5% .

In Hong Kong, uterine fibroids are quite common, with about one in four women affected and around 70% of patients showing no symptoms .

When Do You Need Surgery for Uterine Fibroids?

If you experience heavy menstrual bleeding, severe pain that medication can’t control, growing fibroids, or issues with fertility , surgery might be necessary.

Underwriting Considerations for Uterine Fibroids

1. What treatment has the insured received? (Including medication or surgery)

We assess the type of treatment the insured has undergone, such as surgery, medication, or other methods. If surgery was involved, we consider the tissue or pathology test results.

2. Has the insured fully recovered? Are there any aftereffects or complications?

We evaluate the extent of recovery, including the date of full recovery and any aftereffects or complications.

Underwriting Outcomes for Uterine Fibroids

1. Successful Policy Issuance

If the insured has had surgery to completely remove the uterine fibroids, fully recovered for a specified period (for example, 1 year), and has no aftereffects, coverage can be provided at standard premiums.

2. Successful Policy Issuance with Increased Premiums and/or Exclusions

Even if the insured hasn’t had surgery to remove the uterine fibroids, the insurance company may still approve the policy, but it could come with increased premiums (known as loading) and/or specific exclusions based on the circumstances.

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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