Middle Age People - 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.

Bowtie VHIS Standard is Save up to 48% of the premium with the same level of protection^#!

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 a difference of over HK$11,037 per year for a 60 year old.

HK$11,037 can possibly provide health insurance for several family members of different ages!

The Cheapest VS the Most Expensive Plan

Ages	Bowtie	The most expensive VHIS plan	Difference in premium
41	HK$2,424	HK$6,588	HK$4,164
42	HK$2,556	HK$6,588	HK$4,032
43	HK$2,688	HK$6,588	HK$3,900
44	HK$2,808	HK$6,588	HK$3,780
45	HK$2,952	HK$6,588	HK$3,636
46	HK$3,072	HK$6,588	HK$3,516
47	HK$3,204	HK$6,588	HK$3,384
48	HK$3,312	HK$6,784	HK$3,472
49	HK$3,456	HK$7,058	HK$3,602
50	HK$3,612	HK$7,421	HK$3,809
51	HK$3,660	HK$9,666	HK$6,006
52	HK$3,708	HK$9,666	HK$6,054
53	HK$3,900	HK$9,666	HK$5,958
54	HK$4,080	HK$9,666	HK$5,586
55	HK$4,308	HK$10,015	HK$5,707
56	HK$4,500	HK$10,581	HK$6,081
57	HK$4,812	HK$11,181	HK$6,369
58	HK$4,992	HK$11,813	HK$6,821
59	HK$5,208	HK$12,482	HK$7,274
60	HK$5,568	HK$16,605	HK$11,037

Market Overview (Cheapest VS the Average)

For a fair comparison, we also compared Bowtie VHIS Standard with the average annual premium of all standard plans on the market.

For 41-60 years old middle-aged male, the annual premium difference is up to HK$2,522.

HK$2,500 is enough for a 41-43 year old male to buy VHIS!

Ages	Bowtie	Average annual premium of all plans on the market^	Difference
41	HK$2,424	HK$3,202	HK$778
42	HK$2,556	HK$3,328	HK$772
43	HK$2,688	HK$3,468	HK$780
44	HK$2,808	HK$3,613	HK$805
45	HK$2,952	HK$3,807	HK$855
46	HK$3,072	HK$3,956	HK$884
47	HK$3,204	HK$4,119	HK$915
48	HK$3,312	HK$4,288	HK$976
49	HK$3,456	HK$4,461	HK$1,005
50	HK$3,612	HK$4,683	HK$1,071
51	HK$3,660	HK$5,015	HK$1,335
52	HK$3,708	HK$5,259	HK$1,551
53	HK$3,900	HK$5,526	HK$1,626
54	HK$4,080	HK$5,808	HK$1,728
55	HK$4,308	HK$6,174	HK$1,866
56	HK$4,500	HK$6,458	HK$1,958
57	HK$4,812	HK$6,787	HK$1,975
58	HK$4,992	HK$7,122	HK$2,130
59	HK$5,208	HK$7,456	HK$2,248
60	HK$5,568	HK$8,090	HK$2,522

#The above premium comparison data is based on VHIS Standard Plan premiums as of December 29, 2025. Premiums for other insurance companies' plans are calculated on an annual premium basis, using a 30-year-old non-smoking male as an example, rounded to the nearest whole number. For details, please refer to the relevant policy terms and conditions.

According to the Health Bureau’s VHIS website, the premium for the VHIS Standard Plan of Bowtie charges up to HK$11,000 cheaper than the most expensive plan for 60-year-olds insured.

HK$11,000 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	Difference
41	HK$2,964	HK$6,588	HK$3,524
42	HK$3,084	HK$6,588	HK$3,504
43	HK$3,240	HK$6,588	HK$3,348
44	HK$3,360	HK$6,782	HK$3,422
45	HK$3,504	HK$7,021	HK$3,967
46	HK$3,672	HK$7,254	HK$3,582
47	HK$3,840	HK$7,481	HK$3,641
48	HK$3,996	HK$7,689	HK$3,693
49	HK$4,176	HK$7,877	HK$3,701
50	HK$4,212	HK$8,161	HK$3,949
51	HK$4,248	HK$9,666	HK$5,418
52	HK$4,284	HK$9,666	HK$5,382
53	HK$4,320	HK$9,788	HK$5,478
54	HK$4,380	HK$10,400	HK$6,020
55	HK$4,464	HK$10,911	HK$6,447
56	HK$4,572	HK$11,310	HK$6,738
57	HK$4,728	HK$11,724	HK$6,996
58	HK$4,848	HK$12,154	HK$7,306
59	HK$5,004	HK$12,598	HK$7,594
60	HK$5,352	HK$16,605	HK$11,253

Market Overview (Cheapest VS the Average)

To make a fair comparison, we compared Bowtie’s VHIS standard plan with all standard plans on the market (Calculation including Bowtie’s VHIS plan).

Bowtie’s VHIS plan for 41-60 years old middle-aged females is up to $2,600 cheaper than the market average! This amount would allow you to buy another health insurance for another 41-43 year old female.

Ages	Bowtie	Average annual premium of all plans on the market^	Difference
41	HK$2,964	HK$4,072	HK$1,108
42	HK$3,084	HK$4,231	HK$1,147
43	HK$3,240	HK$4,533	HK$1,293
44	HK$3,360	HK$4,402	HK$1,042
45	HK$3,504	HK$4,758	HK$1,254
46	HK$3,672	HK$4,911	HK$1,239
47	HK$3,840	HK$5,062	HK$1,222
48	HK$3,996	HK$5,219	HK$1,223
49	HK$4,176	HK$5,736	HK$1,560
50	HK$4,212	HK$5,530	HK$1,318
51	HK$4,248	HK$5,783	HK$1,535
52	HK$4,284	HK$5,953	HK$1,669
53	HK$4,320	HK$6,132	HK$1,812
54	HK$4,380	HK$6,334	HK$1,954
55	HK$4,464	HK$6,622	HK$2,158
56	HK$4,572	HK$6,829	HK$2,257
57	HK$4,728	HK$7,052	HK$2,324
58	HK$4,848	HK$7,271	HK$2,423
59	HK$5,004	HK$7,502	HK$2,498
60	HK$5,352	HK$8,017	HK$2,665

Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of December 209 2025. For accurate quotes and product details, please consult each insurance company.
^Do not include the premium of the agreement.

⚡Bowtie VHIS Learning Centre Promo！

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For a limited time, use the exclusive Bowtie Learning Centre promo code 【BLOGENGLEARNING】to get 65% off in first year’s premium and secure top-tier health protection at an unbeatable price!

At the same time, for just HK$130 per month, policyholders can add on the GHK Wellness Package / CUHKMC Wellness Package, providing comprehensive coverage for your medical needs!

^{*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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