VHIS Premium Comparison for Children (Ages 6 to 12)
Primary School Stage 7-Year Premium Comparison
Why compare prices when purchasing VHIS for your children? Because premiums for similar insurance plans can vary significantly. Calculated over seven years, the total premium difference can exceed $30,000!
Standard Plan Comparison (Boy)
| Insurance Company | Bowtie | Company A | Company B | Company C | Company M |
| Age | Annual premium (HK$) | ||||
| 6 | $1,392 | $1,712 | $2,596 | $2,249 | $1,454 |
| 7 | $1,272 | $1,712 | $2,596 | $2,249 | $1,370 |
| 8 | $1,200 | $1,712 | $2,596 | $2,249 | $1,288 |
| 9 | $1,164 | $1,712 | $2,596 | $2,249 | $1,208 |
| 10 | $1,152 | $1,712 | $2,596 | $2,249 | $1,172 |
| 11 | $1,152 | $1,712 | $2,596 | $2,249 | $1,151 |
| 12 | $1,152 | $1,712 | $2,596 | $2,249 | $1,127 |
| Total premiums over 7 years | $8,484 👍 | $11,984 | $18,172 | $15,743 | $8,770 |
Standard Plan Comparison (Girl)
| Insurance Company | Bowtie | Company A | Company B | Company C | Company M |
| Age | Annual premium (HK$) | ||||
| 6 | $1,248 | $1,866 | $2,596 | $2,249 | $1,560 |
| 7 | $1,200 | $1,866 | $2,596 | $2,249 | $1,466 |
| 8 | $1,164 | $1,866 | $2,596 | $2,249 | $1,371 |
| 9 | $1,140 | $1,866 | $2,596 | $2,249 | $1,273 |
| 10 | $1,140 | $1,866 | $2,596 | $2,249 | $1,237 |
| 11 | $1,152 | $1,866 | $2,596 | $2,249 | $1,212 |
| 12 | $1,188 | $1,866 | $2,596 | $2,249 | $1,188 |
| Total premiums over 7 years | $8,232 👍 | $13,059 | $18,172 | $15,743 | $9,307 |
Premium VHIS Comparison (Full reimbursement, gender-neutral pricing, semi-private ward level)
| Insurance Company | Bowtie Pink | Company A | Company B | Company C | Company M |
| Deductible | $0 | ||||
| Coverage area | Global
(outside the US) 👍 |
Asia | Asia | Asia | Asia |
| Age | Annual premium (HK$) | ||||
| 6 | $7,416 | $11,320 | $9,022 | $10,776 | $12,099 |
| 7 | $7,560 | $11,320 | $9,164 | $10,434 | $12,099 |
| 8 | $7,704 | $11,320 | $9,311 | $10,141 | $12,099 |
| 9 | $7,824 | $11,320 | $9,460 | $9,850 | $12,099 |
| 10 | $7,824 | $11,320 | $9,612 | $9,698 | $12,099 |
| 11 | $7,824 | $11,320 | $9,767 | $9,654 | $12,099 |
| 12 | $7,824 | $11,320 | $9,923 | $9,627 | $12,099 |
| Total premiums over 7 years | $53,976 👍 | $79,240 | $66,259 | $70,180 | $84,693 |
- Note: Prices above are updated to 30 December 2025 and are for reference only. For accurate quotations and product details, please enquire with respective insurers. Bowtie premiums are calculated monthly; other insurers' premiums are calculated annually. Lifetime and annual coverage limits, covered items, and sub-limits vary across different VHIS Plans. It is advisable to thoroughly understand the differences between plans before purchasing. Premiums for supplementary contracts are excluded.
Is Bowtie easy to claim? Let the figures speak for themselves!
Low premiums do not imply Bowtie passes costs onto customers, nor does it deliberately tighten the purse strings on claims. In fact, since launching its VHIS products, Bowtie has processed numerous claims with a successful approval rate of 98.3%^!
- ^As of February 2025, the average claim approval rate for Bowtie's VHIS "Standard Plan", "Flexi Plan - Standard", "Flexi Plan - Plus" and Bowtie Pink.
Premium Comparison for Boys/Primary School Children under Standard Plan
Remember to shop around before committing! Taking a 6-year-old’s annual premium as an example, according to the VHI official website, Bowtie’s premium is over $1,800 or 57% cheaper than the most expensive plan!
Bowtie VS Most Expensive Plan Premium (Annual)
| Age (years) | Bowtie | Most expensive | Difference |
| 6 | $1,392 | $3,240 | $1,848 |
| 7 | $1,272 | $2,916 | $1,644 |
| 8 | $1,200 | $2,916 | $1,716 |
| 9 | $1,164 | $2,916 | $1,752 |
| 10 | $1,152 | $2,916 | $1,764 |
| 11 | $1,152 | $2,916 | $1,764 |
| 12 | $1,152 | $2,916 | $1,764 |
Bowtie VS Market Average Premium (Annual)
Additionally, we have compared Bowtie’s VHIS Standard Plan with all standard plans available in the market (including Bowtie’s own offerings).
Taking the premium for an 8-year-old boy as an example, the annual premium difference is approximately $622. While $600 may not seem like a large sum, given comparable coverage, opting for the more affordable plan is clearly the better value!
| Age (years) | Bowtie | Market average^ | Difference |
| 6 | $1,392 | $2,006 | $554 |
| 7 | $1,272 | $1,936 | $544 |
| 8 | $1,200 | $1,894 | $622 |
| 9 | $1,164 | $1,855 | $655 |
| 10 | $1,152 | $1,794 | $630 |
| 11 | $1,152 | $1,780 | $628 |
| 12 | $1,152 | $1,773 | $621 |
- Note: The above prices are updated as of 30 December 2025 and are for reference only. For accurate quotations and product details, please enquire with the respective insurance companies. Bowtie premiums are calculated on a monthly basis; premiums from other insurers are calculated on an annual basis. Lifetime and annual coverage limits, covered items, and sub-limits vary across different VHIS schemes. It is advisable to thoroughly understand the differences between plans before purchasing. Premiums exclude supplementary contracts.
Premium Comparison for Girls/Primary School Standard Plans
Taking the 6-year-old premium as an example, according to the VHIS official website, Bowtie’s premium is nearly $2,000 or 61% cheaper than the most expensive plan!
Bowtie VS Most Expensive Plan Premiums (Annual)
| Age (years) | Bowtie | Most expensive | Difference |
| 6 | $1,248 | $3,240 | $1,992 |
| 7 | $1,200 | $2,916 | $1,716 |
| 8 | $1,164 | $2,916 | $1,752 |
| 9 | $1,140 | $2,916 | $1,776 |
| 10 | $1,140 | $2,916 | $1,776 |
| 11 | $1,152 | $2,916 | $1,764 |
| 12 | $1,188 | $2,916 | $1,728 |
Bowtie VS Market Average (Annual)
Similarly, we compared Bowtie’s Standard Plan with all standard plans available in the market (including Bowtie’s own offerings).
Taking a 9-year-old girl’s premium as an example, the annual premium difference is approximately $645. While over $600 may not seem like a huge sum, given comparable coverage, opting for the cheaper insurance is clearly more cost-effective!
| Age (years) | Bowtie | Market average | Difference |
| 6 | $1,248 | $1,886 | $638 |
| 7 | $1,200 | $1,836 | $636 |
| 8 | $1,164 | $1,806 | $642 |
| 9 | $1,140 | $1,785 | $645 |
| 10 | $1,140 | $1,746 | $606 |
| 11 | $1,152 | $1,743 | $591 |
| 12 | $1,188 | $1,753 | $565 |
- Note: The above prices are updated as of 30 December 2025 and are for reference only. For accurate quotations and product details, please enquire with the respective insurance companies. Bowtie premiums are calculated on a monthly basis; other insurers' premiums are calculated annually. Lifetime and annual coverage limits, covered items, and sub-limits vary across different VHIS schemes. It is advisable to thoroughly understand the differences between schemes before purchasing. Premiums exclude those for supplementary contracts.
Premium Comparison for High-End VHIS
Beyond the standard plan, we have also compared Bowtie Pink’s premiums against the remaining 15 high-end VHIS plans currently available on the market (with $0 co-payment and semi-private room coverage). Taking a 6-year-old child (same price for boys and girls) as an example, Bowtie Pink’s premium is over $7,500 or 51% cheaper than the most expensive plan!
Bowtie Pink VS Most Expensive Plan Premium (Annual)
| Age (years) | Bowtie Pink | Most expensive | Difference |
| 6 | $7,416 | $14,993 | $7,577 |
| 7 | $7,560 | $14,770 | $7,210 |
| 8 | $7,704 | $14,770 | $7,066 |
| 9 | $7,824 | $14,770 | $6,946 |
| 10 | $7,824 | $14,770 | $6,946 |
| 11 | $7,824 | $14,770 | $6,946 |
| 12 | $7,824 | $14,770 | $6,946 |
Bowtie Pink VS Market Average Premium (Annual)
Comparing Bowtie Pink with the average premium of all current high-end VHIS Schemes ($0 out-of-pocket, semi-private ward level) (16 schemes including Bowtie Pink), a clear advantage is evident. Taking a 6-year-old child (same price for both genders) as an example, the annual premium difference exceeds $2,500.
| Age (years) | Bowtie | Market average | Difference |
| 6 | $7,416 | $9,957 | $2,541 |
| 7 | $7,560 | $9,898 | $2,338 |
| 8 | $7,704 | $9,855 | $2,151 |
| 9 | $7,824 | $9,810 | $1,986 |
| 10 | $7,824 | $9,772 | $1,948 |
| 11 | $7,824 | $9,745 | $1,921 |
| 12 | $7,824 | $9,720 | $1,896 |
- Note: The above prices are updated as of 30 December 2025 and are for reference only. For accurate quotations and product details, please enquire with the respective insurance companies. Bowtie premiums are calculated on a monthly basis; other insurers' premiums are calculated on an annual basis. Lifetime and annual coverage limits, covered items, and sub-limits vary across different VHIS Schemes. It is advisable to thoroughly understand the differences between schemes before purchasing. Premiums for supplementary contracts are excluded.
