VHIS Premium Comparison for Middle-Aged (Ages 40 to 60)
VHIS Premiums for 40/50/60-Year-Olds
The coverage under VHIS Standard Plans is broadly similar, allowing you to directly compare premiums when selecting a plan. Compared to standard plans from other insurers, Bowtie’s VHIS Standard Plan offers the lowest premiums for 40-year-olds, 50-year-olds and 60-year-olds alike.
Standard Premium for Non-Smoking Male
| Insurance Company | 40 years old | 50 years old | 60 years old |
| Bowtie | $192 👍 | $301 👍 | $464 👍 |
| Company A | $252 | $408 | $719 |
| Company A | $257 | $386 | $676 |
| Company B | $399 | $625 | $996 |
| Company C | $322 | $479 | $764 |
| Company F | $283 | $434 | $726 |
| Company M | $224 | $343 | $555 |
| P Company | $316 | $487 | $822 |
| Company Z | $243 | $353 | $638 |
Standard Premium for Non-Smoking Female
| Insurance Company | 40 years old | 50 years old | 60 years old |
| Bowtie | $235 👍 | $351 👍 | $446 👍 |
| Company A | $393 | $539 | $710 |
| Company A | $262 | $427 | $632 |
| Company B | $399 | $625 | $996 |
| Company C | $322 | $479 | $764 |
| Company F | $383 | $546 | $759 |
| Company M | $316 | $428 | $540 |
| P Company | $423 | $602 | $823 |
| Company Z | $304 | $413 | $633 |
- Notes:
- 1Premiums above have been rounded to the nearest whole figure.
- 2The above monthly premium data is sourced from the VHIS official website, last updated on 30 December 2025. It is for reference only, and the latest announcements from respective insurers shall prevail.
Regarding premium VHIS (semi-private ward) with no sub-category claim limits and full reimbursement as its key feature, Bowtie Pink VHIS remains the most affordable option when compared against four other similar products in the market, while also offering the widest geographical coverage!
Full Reimbursement Premium VHIS (Semi-Private Ward, $0 Co-payment)
Non-Smoker (Both Male and Female) Standard Premium (Monthly)
| Insurance Company | Protected Area | Annual coverage | 40 years old | 50 years old | 60 years old |
| Bowtie Pink
(Semi-private house) |
Global (excluding the United States)
👍 |
$10 million | $1,176 👍 | $1,799 👍 | $2,833 👍 |
| Company A | Asia | $12 million | $1,808 | $2,856 | $4,744 |
| Company B | Asia | $25 million | $1,719 | $2,677 | $4,438 |
| Company C | Asia | $30 million 👍 | $1,609 | $2,487 | $4,106 |
| Company M | Asia | $12 million | $1,830 | $2,065 | $4,917 |
- Note:
- 1Premiums above have been rounded to the nearest whole figure.
- 2The above monthly premium data is sourced from the official VHIS Scheme website, last updated on 30 December 2025. It is for reference only, and the latest announcements from respective insurers shall prevail.
- 3The coverage details and benefit limits of the multiple Flexi Plans above vary. Policyholders are advised to consult the latest product information from respective insurers and thoroughly understand the policy terms and conditions.
Top 5 Considerations Before Purchasing VHIS
When selecting a VHIS plan in Hong Kong, policyholders should thoroughly understand the features and limitations of different plans to ensure coverage best suits their needs. Below are five key considerations:
The claims approval rate directly reflects an insurer’s efficiency in processing claims and the quality of its service. A high approval rate minimises unnecessary hassle arising from claims disputes. Opting for insurers with a strong reputation and proven claims handling track record naturally provides greater peace of mind post-enrolment.
Taking Bowtie as an example, its VHIS claims approval rate stands at 98.3%¹, surpassing the overall Hong Kong VHIS claims success rate of 92% to 96% recorded between April 2019 and the end of 2023².
1 The above represents the average claim approval rate for Bowtie’s VHIS “Standard Plan”, “Flexi Plan – Standard”, “Flexi Plan – Plus” and Bowtie Pink as of February 2025.
2 Data sourced from Legislative Council documents. Insurers report claim figures on a calendar year basis (as at 31 December each year). Successful claims include both full and partial reimbursements.
The cover amount is a key factor influencing the final compensation amount. Policyholders should assess appropriate coverage levels based on their own and their family’s anticipated medical needs and financial capacity. Insufficient coverage may prove inadequate for major illnesses or prolonged medical expenses; conversely, excessively high coverage increases premium burdens, as medical insurance premiums represent a long-term expenditure spanning decades. Ideal coverage should balance comprehensive protection with affordability.
For comprehensive cover, Bowtie Pink VHIS offers annual medical coverage ranging from $8 million to $20 million across different ward types. For those with budget constraints, Bowtie VHIS Flexi Plan (Standard)/(Plus) provides annual medical coverage of $600,000 and $1 million respectively, catering to fundamental healthcare needs.
Premium VHIS plans feature an excess (deductible). Opting for a higher excess reduces premiums but requires bearing a larger out-of-pocket amount upon claims settlement. This suits policyholders with corporate medical benefits or ample liquidity. Conversely, plans with lower excesses carry higher premiums but entail a smaller deductible payable during claims. Policyholders are advised to select an appropriate excess level based on their personal financial capacity and existing medical coverage.
Taking Bowtie Pink VHIS as an example, this plan offers $0, $20,000, $50,000 and $80,000 excess options, allowing flexible configuration.
Coverage regions vary across different VHIS schemes. Standard plans and some Flexi Plans offer worldwide coverage; however, coverage regions for premium VHIS plans differ by scheme, with some potentially covering only Asia. Policyholders should take note. For those frequently working or travelling across borders, selecting a plan with broader coverage ensures medical protection regardless of location. Bowtie Pink VHIS provides extensive global coverage (excluding the United States).
The choice of room type not only affects the comfort of the hospital environment but also significantly impacts medical costs. VHIS products on the market generally offer standard ward, semi-private room, and private room options. Generally, higher-tier rooms command higher premiums, reflecting the cost differences between ward categories. When selecting coverage, one should balance personal and family preferences with financial circumstances to ensure a satisfactory hospital environment without incurring excessive premiums.
Bowtie VHIS Flexi Plan (Standard)/(Plus) provides medical coverage for standard and semi-private room levels respectively; while Bowtie Pink VHIS offers plan options for standard, semi-private, and private room levels.
Why is Bowtie ranked number one in direct sales channels^?
Bowtie’s Brand and Marketing Director stated:
“Through innovative technology and our direct-to-consumer model without intermediaries, we have significantly Plus operational efficiency and reduced costs. This enables consumers to access superior protection at more accessible prices. We place particular emphasis on ensuring transparent and seamless claims processing – customers can directly engage Bowtie’s professional team to handle claims, fulfilling our commitment to ‘affordable purchase, smooth claims settlement’.”
- According to provisional statistics for 2024 released by the Insurance Authority, Bowtie Life recorded the highest number of new individual non-single premium policies sold through direct channels in Hong Kong during the fourth quarter of 2024.
