Adult’s VHIS Premium Comparison
If you are looking for a medical plan with sufficient protection with a reasonable price, you could consider VHIS Standard Plan! VHIS Standard Plans on the market offer similar protection. You could simply compare the premium of th plans and choose the best for yourself.
Male Graduates/ Working Professionals
Bowtie VHIS Standard is one of the cheapest plans in Hong Kong!
For example, for male aged 31 to 36, Bowtie’s premiums for this age group are up to 65% cheaper per year, or more than $3,000 cheaper than the most expensive plans.
| Age | Bowtie | The most expensive VHIS | Difference |
| 22 | $1,332 | $4,104 | $2,772 |
| 23 | $1,380 | $4,104 | $2,724 |
| 24 | $1,416 | $4,104 | $2,688 |
| 25 | $1,452 | $4,104 | $2,652 |
| 26 | $1,512 | $4,104 | $2,592 |
| 27 | $1,560 | $4,104 | $2,544 |
| 28 | $1,596 | $4,104 | $2,508 |
| 29 | $1,620 | $4,104 | $2,484 |
| 30 | $1,656 | $4,104 | $2,448 |
| 31 | $1,704 | $4,914 | $3,210 |
| 32 | $1,776 | $4,914 | $3,138 |
| 33 | $1,836 | $4,914 | $3,078 |
| 34 | $1,896 | $4,914 | $3,018 |
| 35 | $1,968 | $4,914 | $2,946 |
| 36 | $2,016 | $4,914 | $2,898 |
| 37 | $2,076 | $4,914 | $2,838 |
| 38 | $2,124 | $4,914 | $2,790 |
| 39 | $2,172 | $4,914 | $2,742 |
| 40 | $2,304 | $4,914 | $2,610 |
For a fair comparison of prices, we compare Bowtie’s VHIS standard plan with all standard plans in the market (calculation includes Bowtie).
Male adults within the age range of 22-40, the yearly premium difference is up to HK$900.
| Age | Bowtie | Average annual premium of all plans on the market^ |
Difference |
| 22 | $1,332 | $1,977 | $681 |
| 23 | $1,380 | $2,012 | $680 |
| 24 | $1,416 | $2,048 | $668 |
| 25 | $1,452 | $2,111 | $695 |
| 26 | $1,512 | $2,163 | $711 |
| 27 | $1,560 | $2,214 | $702 |
| 28 | $1,596 | $2,258 | $698 |
| 29 | $1,620 | $2,302 | $706 |
| 30 | $1,656 | $2,345 | $725 |
| 31 | $1,704 | $2,443 | $787 |
| 32 | $1,776 | $2,501 | $797 |
| 33 | $1,836 | $2,566 | $790 |
| 34 | $1,896 | $2,635 | $799 |
| 35 | $1,968 | $2,726 | $830 |
| 36 | $2,016 | $2,797 | $829 |
| 37 | $2,076 | $2,873 | $857 |
| 38 | $2,124 | $2,955 | $879 |
| 39 | $2,172 | $3,038 | $914 |
| 40 | $2,304 | $3,159 | $987 |
HK$900 per year may not seem like a significant amount, but paying a little bit more will already allow you to purchase one extra VHIS for a 22-year-old male!
Female Graduates/ Working Professionals
For females who are within 22-40 years old, Bowtie VHIS Standard is also one of the cheapest in town!
For example, for women aged 22-23, Bowtie’s premiums are up to $3,000+ cheaper than the most expensive plans.
| Age | Bowtie | The most expensive VHIS | Difference |
| 22 | $1,524 | $4,104 | $2,580 |
| 23 | $1,560 | $4,104 | $2,544 |
| 24 | $1,668 | $4,104 | $2,436 |
| 25 | $1,740 | $4,104 | $2,364 |
| 26 | $1,836 | $4,104 | $2,268 |
| 27 | $1,908 | $4,104 | $2,196 |
| 28 | $1,980 | $4,104 | $2,124 |
| 29 | $2,052 | $4,104 | $2,052 |
| 30 | $2,100 | $4,230 | $2,130 |
| 31 | $2,148 | $4,914 | $2,766 |
| 32 | $2,268 | $4,914 | $2,646 |
| 33 | $2,328 | $4,914 | $2,586 |
| 34 | $2,376 | $4,914 | $2,538 |
| 35 | $2,460 | $5,147 | $2,687 |
| 36 | $2,532 | $5,156 | $2,624 |
| 37 | $2,616 | $5,396 | $2,780 |
| 38 | $2,688 | $5,620 | $2,932 |
| 39 | $2,760 | $5,804 | $3,044 |
| 40 | $2,820 | $5,994 | $3,174 |
To make a fair comparison, we compared Bowtie VHIS Standard with all standard plans on the market.
For 22-40 years old female, Bowtie charges HK$1,200+ cheaper than the average annual premium of all plans, which is almost enough to buy health insurance for another 7-12 years old girl!
| Age | Bowtie | Average annual premium of all plans on the market^ |
Difference |
| 22 | $1,524 | $2,214 | $690 |
| 23 | $1,560 | $2,278 | $718 |
| 24 | $1,668 | $2,352 | $684 |
| 25 | $1,740 | $2,479 | $739 |
| 26 | $1,836 | $2,567 | $731 |
| 27 | $1,908 | $2,650 | $742 |
| 28 | $1,980 | $2,722 | $742 |
| 29 | $2,052 | $2,798 | $746 |
| 30 | $2,100 | $2,878 | $778 |
| 31 | $2,148 | $3,016 | $868 |
| 32 | $2,268 | $3,101 | $833 |
| 33 | $2,328 | $3,200 | $872 |
| 34 | $2,376 | $3,297 | $921 |
| 35 | $2,460 | $3,435 | $975 |
| 36 | $2,532 | $3,532 | $1,000 |
| 37 | $2,616 | $3,643 | $1,027 |
| 38 | $2,688 | $3,759 | $1,071 |
| 39 | $2,760 | $3,879 | $1,119 |
| 40 | $2,820 | $4,029 | $1,209 |
- Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of December 30, 2025. For accurate quotes and product details, please consult each insurance company.
- ^Excludes premiums for additional contracts
