Retired People VHIS Premium Comparison
VHIS Standard Plans on the market offer similar protection. You may compare premium directly to decide which plan to choose from.
Premiums for retired men
Bowtie VHIS Standard is the cheapest plan in Hong Kong!
According to the website of the Health Bureau, the VHIS Standard premiums for men aged 61-70 range from HK$5,592 to HK$30,330.
Bowtie charges up to three times cheaper than the most expensive plan, with an annual difference of over HK$21,450 for 70-year-olds insured.
| Ages | Bowtie | The most expensive VHIS | Difference |
| 61 | HK$5,592 | HK$16,200 | HK$10,608 |
| 62 | HK$6,000 | HK$16,799 | HK$10,799 |
| 63 | HK$6,384 | HK$17,534 | HK$11,150 |
| 64 | HK$6,732 | HK$18,279 | HK$11,547 |
| 65 | HK$7,056 | HK$19,034 | HK$11,978 |
| 66 | HK$7,392 | HK$19,793 | HK$12,401 |
| 67 | HK$7,728 | HK$20,549 | HK$12,821 |
| 68 | HK$8,088 | HK$21,297 | HK$13,209 |
| 69 | HK$8,472 | HK$22,032 | HK$13,560 |
| 70 | HK$8,880 | HK$30,330 | HK$21,450 |
For fair comparison, we also compared Bowtie VHIS standard with the average annual premiums of all standard plans on the market.
Within the range of 61 to 70 years old men, the difference in annual premiums can be up to HK$4,900.
Saved premium (HK$4,900) is enough to purchase another insurance for your grandsons/sons (men aged 22 to 40).
| Ages | Bowtie | Average annual premium of all plans on the market^ | Difference |
| 61 | HK$5,592 | HK$8,543 | HK$2,951 |
| 62 | HK$6,000 | HK$8,947 | HK$2,947 |
| 63 | HK$6,384 | HK$9,361 | HK$2,977 |
| 64 | HK$6,732 | HK$9,782 | HK$3,050 |
| 65 | HK$7,056 | HK$10,633 | HK$3,577 |
| 66 | HK$7,392 | HK$11,126 | HK$3,734 |
| 67 | HK$7,728 | HK$11,583 | HK$3,855 |
| 68 | HK$8,088 | HK$12,063 | HK$3,975 |
| 69 | HK$8,472 | HK$12,611 | HK$4,139 |
| 70 | HK$8,880 | HK$13,790 | HK$4,910 |
Premiums for retired women
For retired women aged 61-70, Bowtie VHIS Standard is also the cheapest in Hong Kong!
According to the website of the Health Bureau, the VHIS Standard premiums for women aged 61-70 range from HK$5,412 to HK$30,330.
Bowtie charge up to HK$20,000 cheaper than the most expensive plan.
| Ages | Bowtie | The most expensive VHIS plan | Difference |
| 61 | HK$5,412 | HK$16,200 | HK$10,788 |
| 62 | HK$5,700 | HK$16,799 | HK$11,099 |
| 63 | HK$6,060 | HK$17,534 | HK$11,474 |
| 64 | HK$6,396 | HK$18,279 | HK$11,883 |
| 65 | HK$6,708 | HK$19,034 | HK$12,326 |
| 66 | HK$7,044 | HK$19,793 | HK$12,749 |
| 67 | HK$7,296 | HK$20,549 | HK$13,253 |
| 68 | HK$7,560 | HK$21,297 | HK$13,737 |
| 69 | HK$7,920 | HK$22,032 | HK$14,112 |
| 70 | HK$8,304 | HK$30,330 | HK$22,026 |
By comparing Bowtie’s VHIS Standard with the average annual premiums of all plans in the market.
For 61-70 years old retirees, the difference in premiums can be over HK$4,900 for men and over HK$4,800 for women.
The saved money are enough to purchase two more medical insurance for a woman (Granddaughter/ Daughter) aged between 22-40.
| Ages | Bowtie | Average annual premium of all plans on the market^ | Difference |
| 61 | HK$5,592 | HK$8,543 | HK$2,951 |
| 62 | HK$6,000 | HK$8,947 | HK$2,947 |
| 63 | HK$6,384 | HK$9,361 | HK$2,977 |
| 64 | HK$6,732 | HK$9,782 | HK$3,050 |
| 65 | HK$7,056 | HK$10,633 | HK$3,577 |
| 66 | HK$7,392 | HK$11,126 | HK$3,734 |
| 67 | HK$7,728 | HK$11,583 | HK$3,855 |
| 68 | HK$8,088 | HK$12,063 | HK$3,975 |
| 69 | HK$8,472 | HK$12,611 | HK$4,139 |
| 70 | HK$8,880 | HK$13,790 | HK$4,910 |
- 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.
- ^Do not include the premium of the agreement.
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