Kids VHIS Premium Comparison
VHIS Standard Plans on the market offer similar protection. You can simply compare the premium to decide which plan to choose.
Premiums for boys/ Primary School Student
Bowtie VHIS “Standard Plan” is one of the most affordable plans in Hong Kong!
For example, Bowtie charges 57% cheaper than the most expensive plan, with a yearly difference of over HK$1,800 for a 6 year old boy.
| Ages | Bowtie | The most expensive VHIS | 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 |
Saving HK$1,800 allows you to buy an extra VHIS for a 6-year-old boy!
Additionally, we have compared Bowtie VHIS standard with the average premium of all other standard VHIS available in the market.
For an 8-year-old boy, the annual premium difference reaches HK$622.
| Ages | Bowtie | Average annual premium of all plans on the market^ |
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 |
Although HK$622 is not a large amount, it is still a more cost-effective way to buy a cheaper insurance plan with similar protection!
Premiums for girls/ Primary School Student
For girls aged 6 – 12, Bowtie VHIS Standard remains to be a very affordable option!
Bowtie charges 66% less than the most expensive plan, with a yearly difference of over HK$2,000 for a 6 year old girl.
Saving HK$2,000 premium could almost buy 2 additional VHIS from Bowtie for a 6-year-old girl!
| Ages | Bowtie | The most expensive VHIS | 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 |
Similarly, we compare the premium of Bowtie VHIS Standard with the average annual premium for all VHIS on the market, and realised the difference (Bowtie vs Market Average) in premium for a 9 years old girl is as large as HK$645.
| Ages | Bowtie | Average annual premium of all plans on the market^ |
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 |
Although HK$645 may not be a significant amount, it is still a more cost-effective way to buy a cheaper insurance plan with similar protection!
- Note: The above prices are for VHIS "Standard Plan" of non-smoking insured for the respective age, updated as of Dec 30, 2025. For accurate quotes and product details, please consult each insurance company.
- ^Do not include the premium of the additional agreement.
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