VHIS Premium Comparison for Infants/Babies (Ages 0 to 5)
Comparison of VHIS Standard Plans for 0-Year-Olds
The Standard Plans under the VHIS Scheme offer broadly similar coverage, making direct comparison relatively straightforward. If you wish to purchase a Standard VHIS policy for a baby or young child aged 0 to 5, the premium cost should naturally be one of the most critical considerations.
The minimum enrolment age for VHIS is 15 days, meaning it is indeed possible to secure cover for a newborn!
As medical insurance is a long-term commitment, the ongoing premium burden must be considered. Bowtie has therefore curated a selection of the five most frequently searched insurers online, gathering their five-year Standard Plan premiums for comparison. The results reveal a clear premium advantage for Bowtie’s VHIS Standard Plan!
Opting for Bowtie’s VHIS “Standard Plan” could save parents over $10,000 in premiums. The savings could easily cover numerous nappies, formula milk, and wet wipes.
Premiums for VHIS Standard Plan for Male Newborns/Infants
Let us examine the annual premiums required for infants or young children aged 0 to 5 to secure VHIS coverage. As shown in the table below, Bowtie’s premiums are more than half the cost of those offered by Insurance Company B.
| Age (years) | Bowtie | Company A | Company B | Company F | Company M |
| 0 | $1,752 | $3,012 | $3,668 | $3,949 | $2,135 |
| 1 | $1,704 | $3,012 | $3,668 | $3,949 | $2,011 |
| 2 | $1,644 | $3,012 | $3,668 | $3,949 | $1,878 |
| 3 | $1,584 | $3,012 | $3,668 | $3,949 | $1,765 |
| 4 | $1,512 | $3,012 | $3,668 | $1,759 | $1,662 |
| 5 | $1,452 | $1,712 | $2,596 | $1,759 | $1,556 |
| 0-5 years old
Total premium |
$9,648 👍🏻 | $16,772 | $20,936 | $19,314 | $11,007 |
Suppose you wish to purchase medical insurance for a 3-year-old boy. The premium from Insurer F would allow you to purchase two policies from Bowtie!
- Note: The above prices represent standard premiums for the "Standard Plan" of VHIS for non-smokers of the specified age (rounded to the nearest whole number), updated as of 30 December 2025. For accurate quotations and product details, please enquire directly with the respective insurance companies.
The most crucial aspect of purchasing VHIS is successful claims settlement!
Taking Bowtie’s VHIS as an example, the successful claim approval rate stands at 98.3%*. Bowtie offers multiple VHIS plans, including the “Standard Plan”, “Flexi Plan – Standard”, “Flexi Plan – Plus”, and Bowtie Pink, to meet diverse customer needs. Each plan has its unique features and advantages; it is advisable to compare them carefully before making a selection.
- *The above represents the average claim approval rate for Bowtie's VHIS "Standard Plan", "Flexi Plan - Standard", "Flexi Plan - Plus" and Bowtie Pink as of February 2025.
Premiums for Female Newborns/Babies under the VHIS Scheme Standard Plan
As shown in the table below, Bowtie’s premiums are more than half the cost of those offered by Insurer B.
| Age (years) | Bowtie | Company A | Company B | Company F | Company M |
| 0 | $1,860 | $2,412 | $3,668 | $3,059 | $2,217 |
| 1 | $1,788 | $2,412 | $3,668 | $3,059 | $2,095 |
| 2 | $1,644 | $2,412 | $3,668 | $3,059 | $1,965 |
| 3 | $1,524 | $2,412 | $3,668 | $3,059 | $1,859 |
| 4 | $1,392 | $2,412 | $3,668 | $2,093 | $1,758 |
| 5 | $1,320 | $1,866 | $2,596 | $2,093 | $1,657 |
| 0-5 years old
Total premium |
$9,528 👍🏻 | $13,926 | $20,936 | $16,422 | $11,551 |
Assuming you wish to purchase health insurance for a 3-year-old girl, the premium from Insurer F would allow you to purchase two policies with Bowtie!
- Note: The above prices represent standard premiums for the VHIS "Standard Plan" for non-smokers of that age (rounded to the nearest whole number), updated as of 30 December 2025. For accurate quotations and product details, please consult the respective insurers.
Comparison of VHIS "Premium Medical Plans" for Infants/Young Children
With the multitude of VHIS “Flexi Plans” available, the Bowtie Insurance Information Team has focused on comparing premium VHIS plans offering annual coverage exceeding $10 million and access to semi-private rooms:
| Annual premium^ (same price for men and women) | |||||
| Insurance Company | Bowtie | Company A | Company B | Company F | Company M |
| 0 years old | $3,216 | $3,696 | $4,881 | $3,400 | $4,119 |
| 1 year old | $3,216 | $3,696 | $4,881 | $3,400 | $4,119 |
| 2 years old | $3,216 | $3,696 | $4,881 | $3,400 | $4,119 |
| 3 years old | $3,216 | $3,696 | $4,881 | $3,400 | $4,119 |
| 4 years old | $3,216 | $3,696 | $4,881 | $3,400 | $4,119 |
| 5 years old | $2,856 | $3,424 | $4,881 | $2,881 | $4,119 |
| 0-5 years old
Total premium |
$18,936 👍🏻 | $21,904 | $29,286 | $19,881 | $24,714 |
| Deposit | $80,000 | $50,000 | $80,000 | $50,000 | 👍🏻$45,000 |
| Geographical restrictions | Global (excluding the US) 👍🏻 | Asia | Asia | Asia | Asia |
- Note: The above prices represent the standard premiums for non-smokers of the specified age group under the VHIS Scheme, updated as of 30 December 2025. They are for reference only. For precise quotations and product details, please consult individual insurers.
- ^Comparison based on monthly premium payments
- *Coverage applies globally (including immigration and travel), excluding hospitals in the United States and non-designated hospitals in China. Psychiatric treatment is limited to Hong Kong.
