Does VHIS cover cancer protection?

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Does VHIS cover cancer protection?

VHIS has become one of the most popular medical insurance options on the market. Why is voluntary health insurance considered a cost-effective option, and does it cover cancer screening and treatment? Let Bowtie explain it to you!

VHIS provides comprehensive coverage for medical expenses in the three stages of (1) diagnostic testing, (2) cancer treatment, and (3) follow-up care and recovery.

Coverage for cancer diagnosis

As cancer is a serious illness, early diagnosis is crucial. Doctors typically recommend a series of tests and screenings, such as CT scans, MRI scans, and PET scans, to help determine whether a patient has cancer.

VHIS provides coverage for the above-mentioned diagnostic imaging tests. Taking Bowtie as an example, the benefit limits for different VHIS plans are as follows:

VHIS StandardVHIS FlexiBowtie Pink
Annual Benefit LimitHK$26,000 ^HK$40,000 ^Full Coverage *
  • ^ 30% co-insurance required
  • * The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.

Coverage for cancer surgery

Once a patient is diagnosed with cancer, they may need to undergo surgery to remove cancerous tissue and prevent the condition from worsening.

VHIS categorizes cancer surgeries as “minor,” “Intermediate,” “major,” or “complex,” and the benefit limits are as follows:

Flexi Regular Flexi PlusBowtie Pink (High-end VHIS)
Surgeon’s feeMinorHK$6,000 / sessionHK$9,000/sessionFull Coverage*
IntermediateHK$15,000/ sessionHK$22,500/session
Major HK$30,000/ sessionHK$45,000/session
ComplexHK$60,000/ sessionHK$90,000/session
Anaesthetist’s feeMinorHK$2,100/sessionHK$3,200/sessionFull Coverage*
IntermediateHK$5,300/ sessionHK$7,900/session
Major HK$10,500/sessionHK$15,800/session
ComplexHK$21,000/sessionHK$31,500/session
Operating theatre chargesMinorHK$2,100/sessionHK$3,200/sessionFull Coverage*
IntermediateHK$5,300/ sessionHK$7,900/session
Major HK$10,500/sessionHK$15,800/session
ComplexHK$21,000/sessionHK$31,500/session

Coverage for non-surgical cancer treatment

In addition to surgery, doctors may also arrange for non-surgical cancer treatment. The non-surgical cancer treatments covered by VHIS plans include radiation therapy, chemotherapy, targeted therapy, immunotherapy, and hormone therapy. 

The coverage limits for different Bowtie plans are as follows:

VHIS FlexiBowtie Pink
Prescribed non-surgical cancer treatmentsHK$160,000 / yearFull Coverage *

Cancer treatment is a long-term battle. After completing cancer treatment, patients still need to undergo regular physical examinations and check-ups to monitor their condition and prevent relapse.

The coverage of VHIS generally includes outpatient care for patients after discharge and before and after day surgeries. Bowtie VHIS Flexi plans even provides coverage for at-home nursing care and rehabilitation treatment for patients after hospital discharge, allowing policyholders to recover with peace of mind.

The benefit limits for different Bowtie plans are as follows:

Flexi RegularFlexi PlusBowtie Pink
Pre- and post-confinement / Day case procedure outpatient care 1HK$900 / visit

HK$3,000/ year

2 prior and 3 follow-up outpatient visits

HK$1,300 / visit

HK$6,400/ year

2 prior and 3 follow-up outpatient visits

Full coverage*
Post-confinement / Day case procedure daily home nursing1HK$500/ day

Up to 180 days

HK$800/ day

Up to 180 days

HK$1,300 – 2,000/ day#

  • up to 180 days
Rehabilitative care 1HK$750/ day

HK$10,000/ year

Only within 90 days after discharge

HK$1,500/ day

HK$20,000/ year

Only within 90 days after discharge

HK$2,200 -3,000/ day#

HK$30,000 -40,000/ year#

  • Only within 90 days after discharge
  • *The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.
  • 1prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure).
  • 2 The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
  • #Depends on which plan the Insured Person choose, coverage is slightly different
Worried about the high cost of cancer treatment? Get a fully coverage medical insurance for just HK$186 per month! Get a quote now.

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