Does VHIS Cover Full Body Checkup?


Does VHIS Cover Full Body Checkup?

The scope of physical examinations is broad and can include various tests such as blood tests and CT scans. However, from an insurance claims perspective, insurance companies usually differentiate between "preventive" and "diagnostic" purposes. The classification of an examination as either preventive or diagnostic can often impact the claims outcome.

Voluntary health insurance provides coverage for "diagnostic" examination items

When you feel unwell and seek medical treatment at a clinic or hospital, the doctor may suggest that you undergo some checking procedures based on your symptoms. 

For example, if you have been suffering from stomach pains for a long time, the doctor may suggest that you undergo a gastroscopy, CT or MRI scan to further investigate the problem, and these items belong to “diagnostic bodycheck”.

According to the regulations of the VHIS by the Health Bureau, all recognized schemes must provide the following coverage for insured persons:

  • Endoscopic with medically necessity
  • Diagnosis imaging tests (CT, MRI, PET scans)*

Of course, these checkings must be performed under the written recommendation of the registered doctor. In other words, the coverage of VHIS includes only “diagnostic” bodycheck.

  • *Tests include computed tomography scans ("CT" scans), magnetic resonance imaging ("MRI" scans), positron emission tomography scans ("PET" scans", PET-CT combination, and PET-MRI combination.

Coverage for "diagnostic" bodycheck under VHIS

Taking Bowtie Flexi Regular and Bowtie Pink as examples, the following table shows the coverage amounts for some bodycheck items:

Benefit Limit
BodycheckFlexi Regular Bowtie Pink
Miscellaneous expenses

(including ultrasound and X-ray and their analysis^)

HK$18,000 / yearFull coverage#
Prescribed Diagnostic Imaging Tests, including

  • CT Scan
  • MRI
  • PET
  • PET-CT
HK$26,000 / year

(with 30% co-insurance)

Full coverage#
Common examinations, including: 

  • Gastroscopy
  • Colonoscopy
  • Nasopharyngoscopy
  • Bronchoscopy
  • Laryngoscopy
  • Hysteroscopy
  • Vaginoscopy
  • Prostate/testicular biopsy
  • Laparoscopy
Surgeon’s fee
HK$6,000 – 30,000* / session
Full coverage#
  • ^Coverage only includes relevant tests conducted during hospitalization and day surgery
  • *The coverage amount listed here only includes surgeon's fees. VHIS also provides coverage for other procedures, such as specialist fees, room charges, anesthesiologist fees, operating theratre fees, miscellaneous expenses, etc. The benefit amount for each item will be determined based on the complexity of the examination, and the VHIS Schedule of Surgical Procedures has classified most examinations / surgeries according to their complexity (from Minor to complex).
  • #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.

Computed tomography (CT) and magnetic resonance imaging (MRI) are common diagnostic imaging tests. In simple cases, these tests can be performed in a clinic and do not require hospitalization. 

For example, if a doctor wants to check if a patient’s finger pain is due to soft tissue problems, an MRI performed in a clinic is sufficient for diagnosis.

However, traditional health insurance mostly only provides coverage for diagnostic imaging tests (such as MRI) performed during hospitalization, so many insured individuals intentionally arrange for hospitalization checks, which can waste time and may affect claims if they do not meet the medical requirements.

But with VHIS, there is no such restriction! Insured persons can still be covered for diagnostic imaging tests (CT, MRI, PET scans) performed in medical centers/clinics!

For only HK$257 per month^, you can have a fully reimbursed medical insurance policy? Get a quote now!

Is there any VHIS that provides coverage for preventive health check-ups?

As mentioned above, VHIS does not cover the cost of preventive health check-ups. However, Bowtie believes that prevention is better than cure, so in addition to VHIS, we provide additional check-up options to protect their customers’ health as early as possible. 

Learn more about how to get a free health check-up by buying health insurance👇🏽

Purchase Bowtie Bowtie & Gleneagles Hospital Hong Kong Wellness Package to get a comprehensive annual health check-up

Customers of Bowtie VHIS Flexi Plans can purchase the “Gleneagles Hospital Hong Kong Wellness Package”. Regardless of age or gender, the premium is the same for everyone, and the monthly premium is only HK$2001

After purchasing, insured individuals can enjoy the full coverage protection of 240+ designated medical packages, self-selected medical and health services (vision care plan and professional guidance service from a nutritionist), and an annual preventive health check-up worth up to HK$2,720.

The check-up items include:

  • General Health Assessment (Blood Pressure, Height, Weight, Body Mass Index & Waist Circumference)
    (Height and weight only for under age 18)
  • Eye Examinations
  • Cardiac Examinations#
  • Blood Analysis#
  • Renal Function#
  • Liver Function#
  • Diabetes Screening#
  • Lipid Profile#
  • Urine Routine Examination
  • Stool Test
  • Tumour Markers#
  • Medical Consultation (for abnormal results only) and Report Analysis
  • #Only applicable for individuals aged 18 or above
  • 1The monthly premium of HK$200 paid by the policyholder of the Bowtie & Gleneagles Hospital Hong Kong Wellness Package cannot be used for tax deduction purposes.
  • 2Only applicable to individuals aged 18 or above.
Next article - Does VHIS cover overseas medical expenses?
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