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
Last year, Bowtie lowered the premiums of its VHIS Standardto become the cheapest plan in Hong Kong!
According to the website of the Health Bureau, the premium of Standard Plan for men aged 22-40 range from HK$1,032 to HK$4,104.
Bowtie charges 4 times cheaper than the most expensive plan, with a yearly difference of over HK$3,000 for 18-19 year-olds insured male.
| Ages | Bowtie | The most expensive VHIS | Difference |
| 22 | HK$1,188 | HK$4,104 | HK$2,916 |
| 23 | HK$1,224 | HK$4,104 | HK$2,880 |
| 24 | HK$1,260 | HK$4,104 | HK$2,844 |
| 25 | HK$1,296 | HK$4,104 | HK$2,808 |
| 26 | HK$1,344 | HK$4,104 | HK$2,760 |
| 27 | HK$1,392 | HK$4,104 | HK$2,712 |
| 28 | HK$1,416 | HK$4,104 | HK$2,688 |
| 29 | HK$1,440 | HK$4,104 | HK$2,664 |
| 30 | HK$1,476 | HK$4,104 | HK$2,628 |
| 31 | HK$1,524 | HK$4,914 | HK$3,390 |
| 32 | HK$1,584 | HK$4,914 | HK$3,330 |
| 33 | HK$1,632 | HK$4,914 | HK$3,282 |
| 34 | HK$1,692 | HK$4,914 | HK$3,222 |
| 35 | HK$1,752 | HK$4,914 | HK$3,162 |
| 36 | HK$1,800 | HK$4,914 | HK$3,114 |
| 37 | HK$1,848 | HK$4,914 | HK$3,066 |
| 38 | HK$1,896 | HK$4,914 | HK$3,018 |
| 39 | HK$1,944 | HK$4,914 | HK$2,970 |
| 40 | HK$2,052 | HK$4,914 | HK$2,862 |
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.
| Ages | Bowtie | Average annual premium of all plans on the market^ | Difference |
| 22 | HK$1,188 | HK$1,872 | HK$684 |
| 23 | HK$1,224 | HK$1,904 | HK$680 |
| 24 | HK$1,260 | HK$1,938 | HK$678 |
| 25 | HK$1,296 | HK$1,996 | HK$700 |
| 26 | HK$1,344 | HK$2,047 | HK$703 |
| 27 | HK$1,392 | HK$2,097 | HK$704 |
| 28 | HK$1,416 | HK$2,139 | HK$723 |
| 29 | HK$1,440 | HK$2,182 | HK$742 |
| 30 | HK$1,476 | HK$2,224 | HK$748 |
| 31 | HK$1,524 | HK$2,317 | HK$793 |
| 32 | HK$1,584 | HK$2,373 | HK$789 |
| 33 | HK$1,632 | HK$2,434 | HK$802 |
| 34 | HK$1,692 | HK$2,500 | HK$808 |
| 35 | HK$1,752 | HK$2,588 | HK$836 |
| 36 | HK$1,800 | HK$2,655 | HK$855 |
| 37 | HK$1,848 | HK$2,727 | HK$879 |
| 38 | HK$1,896 | HK$2,810 | HK$914 |
| 39 | HK$1,944 | HK$2,891 | HK$947 |
| 40 | HK$2,052 | HK$3,006 | HK$954 |
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 22-25-year-old male!
Female Graduates/ Working Professionals
For females who are within 22-40 years old, Bowtie VHIS Standard is also the cheapest in town!
According to the website of the Health Bureau, the premiums for Standard Plan for women aged 22-40 range from HK$1,356 to HK$5,994.
Bowtie charges >HK$3,000 cheaper than the most expensive plan
| Ages | Bowtie | The most expensive VHIS | Difference |
| 22 | HK$1,356 | HK$4,104 | HK$2,748 |
| 23 | HK$1,392 | HK$4,104 | HK$2,712 |
| 24 | HK$1,488 | HK$4,104 | HK$2,616 |
| 25 | HK$1,548 | HK$4,104 | HK$2,556 |
| 26 | HK$1,632 | HK$4,104 | HK$2,472 |
| 27 | HK$1,704 | HK$4,104 | HK$2,400 |
| 28 | HK$1,764 | HK$4,104 | HK$2,340 |
| 29 | HK$1,824 | HK$4,104 | HK$2,280 |
| 30 | HK$1,872 | HK$4,230 | HK$2,358 |
| 31 | HK$1,920 | HK$4,914 | HK$2,994 |
| 32 | HK$2,016 | HK$4,914 | HK$2,898 |
| 33 | HK$2,076 | HK$4,914 | HK$2,838 |
| 34 | HK$2,124 | HK$4,914 | HK$2,790 |
| 35 | HK$2,196 | HK$5,147 | HK$2,951 |
| 36 | HK$2,256 | HK$5,156 | HK$2,900 |
| 37 | HK$2,340 | HK$5,396 | HK$3,056 |
| 38 | HK$2,400 | HK$5,620 | HK$3,220 |
| 39 | HK$2,460 | HK$5,804 | HK$3,344 |
| 40 | HK$2,520 | HK$5,994 | HK$3,474 |
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 enough to buy health insurance for another 22-25 years old female!
| Ages | Bowtie | Average annual premium of all plans on the market^ | Difference |
| 22 | HK$1,356 | HK$2,096 | HK$740 |
| 23 | HK$1,392 | HK$2,153 | HK$761 |
| 24 | HK$1,488 | HK$2,220 | HK$732 |
| 25 | HK$1,548 | HK$2,335 | HK$787 |
| 26 | HK$1,632 | HK$2,414 | HK$782 |
| 27 | HK$1,704 | HK$2,488 | HK$784 |
| 28 | HK$1,764 | HK$2,551 | HK$787 |
| 29 | HK$1,824 | HK$2,619 | HK$795 |
| 30 | HK$1,872 | HK$2,690 | HK$818 |
| 31 | HK$1,920 | HK$2,818 | HK$898 |
| 32 | HK$2,016 | HK$2,897 | HK$881 |
| 33 | HK$2,076 | HK$2,992 | HK$916 |
| 34 | HK$2,124 | HK$3,080 | HK$956 |
| 35 | HK$2,196 | HK$3,206 | HK$1,010 |
| 36 | HK$2,256 | HK$3,291 | HK$1,035 |
| 37 | HK$2,340 | HK$3,390 | HK$1,050 |
| 38 | HK$2,400 | HK$3,502 | HK$1,102 |
| 39 | HK$2,460 | HK$3,616 | HK$1,156 |
| 40 | HK$2,520 | HK$3,755 | HK$1,235 |
- Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of Feb 14, 2023. For accurate quotes and product details, please consult each insurance company.
- ^Excludes premiums for additional contracts
