Elderly - Comparison of Premium for Medical Insurance

VHIS Standard Plans on the market offer similar protection. You may compare premium directly to decide which plan to choose from.

According to the website of the Health Bureau, the VHIS Standard premiums of Bowtie charges up to three times cheaper than the most expensive plan, with an annual difference of over HK$21,174 for 70-year-olds insured.

Saving HK$21,174 is not a small amount and can be used to purchase insurance for family members of different ages

The Cheapest VS the Most Expensive Plan

Ages	Bowtie	The most expensive VHIS	Difference
61	HK$5,760	HK$16,200	HK$10,440
62	HK$6,180	HK$16,799	HK$10,619
63	HK$6,576	HK$17,534	HK$10,958
64	HK$6,936	HK$18,279	HK$11,343
65	HK$7,272	HK$19,034	HK$11,762
66	HK$7,620	HK$19,793	HK$12,173
67	HK$7,968	HK$20,549	HK$12,581
68	HK$8,340	HK$21,297	HK$12,957
69	HK$8,736	HK$22,032	HK$13,296
70	HK$9,156	HK$30,330	HK$21,174

Market Overview (Cheapest VS the Average)

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$4,600.

Saved premium (HK$4,600) 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$5,760	HK$8,543	HK$2,783
62	HK$6,180	HK$8,947	HK$2,767
63	HK$6,576	HK$9,361	HK$2,785
64	HK$6,936	HK$9,782	HK$2,846
65	HK$7,272	HK$10,633	HK$3,361
66	HK$7,620	HK$11,126	HK$3,506
67	HK$7,968	HK$11,583	HK$3,615
68	HK$8,340	HK$12,063	HK$3,723
69	HK$8,736	HK$12,611	HK$3,875
70	HK$9,156	HK$13,790	HK$4,634

According to the website of the Health Bureau, the VHIS Standard premiums of Bowtie charges up to near HK$24,000 cheaper than the most expensive plan for 70-year-olds insured

HK$24,000 saved can be used to purchase insurance for family members of different ages!

The Cheapest VS the Most Expensive Plan

Ages	Bowtie	The most expensive VHIS plan	Difference
61	HK$5,724	HK$17,366	HK$11,642
62	HK$6,024	HK$18,143	HK$12,119
63	HK$6,408	HK$18,936	HK$12,528
64	HK$6,756	HK$19,742	HK$12,986
65	HK$7,080	HK$20,556	HK$13,476
66	HK$7,440	HK$21,377	HK$13,937
67	HK$7,716	HK$22,193	HK$14,477
68	HK$7,980	HK$23,001	HK$15,021
69	HK$8,364	HK$23,795	HK$15,431
70	HK$8,772	HK$32,756	HK$23,984

Market Overview (Cheapest VS the Average)

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$4,600 for men and over HK$4,700 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$5,724	HK$8,519	HK$2,795
62	HK$6,024	HK$8,856	HK$2,832
63	HK$6,408	HK$9,219	HK$2,811
64	HK$6,756	HK$9,611	HK$2,855
65	HK$7,080	HK$10,306	HK$3,226
66	HK$7,440	HK$10,782	HK$3,342
67	HK$7,716	HK$11,237	HK$3,521
68	HK$7,980	HK$11,740	HK$3,760
69	HK$8,364	HK$12,288	HK$3,924
70	HK$8,772	HK$13,501	HK$4,729

Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of Dec 29, 2025. For accurate quotes and product details, please consult each insurance company.
^Do not include the premium of the agreement.

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For a limited time, use the exclusive Bowtie Learning Centre promo code 【BLOGENGLEARNING】to get 70% off in first year’s premium and secure top-tier health protection at an unbeatable price!

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^{*Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, a pre-existing condition, “List of Designated Hospitals in Mainland China” and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.}
^{^Based on a market survey conducted by Bowtie on December 29, 2025, comparing similar types of VHIS (full reimbursement, general ward class, deductible level, and coverage area) available for online purchase, Bowtie Pink VHIS (Ward) offers lower monthly premiums for non-smokers aged 0-14 and 23-98. Different medical insurance plans have varying coverage scopes and benefit limits; please refer to the relevant policy documents, terms and conditions for details.}

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Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021.

Stay up to date at www.bowtie.com.hk

The content of this article is provided by Bowtie Team and serves for reference only. It does not represent Bowtie's position. Bowtie assumes no responsibility for any loss or damage incurred by any person as a result of using, misusing, or relying on any information or content herein. Any content related to Bowtie products in this article is for reference and educational purposes only. Customers should refer to the detailed terms and conditions on the relevant product web pages.

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