Middle Age People VHIS Premium Comparison

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Middle Age People VHIS Premium Comparison

As you enter middle age, the risk of getting ill increases, and health insurance will eventually becomes more expensive. How you could be protected with a fair price? Bowtie shows you how.

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

Premiums for Middle-Aged 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 41-60 range from HK$2,160 to HK$15,375. 

Bowtie charges up to three times cheaper than the most expensive plan, with a difference of over HK$10,107 per year for a 60 year old.

HK$10,107 can possibly provide health insurance for several family members of different ages!
The Cheapest VS the Most Expensive Plan
AgesBowtieThe most expensive VHIS planDifference in premium
41HK$2,160HK$6,588HK$4,428
42HK$2,280HK$6,588HK$4,308
43HK$2,400HK$6,588HK$4,188
44HK$2,508HK$6,588HK$4,080
45HK$2,628HK$6,588HK$3,960
46HK$2,748HK$6,588HK$3,840
47HK$2,856HK$6,588HK$3,732
48HK$2,964 HK$6,588HK$3,624
49HK$3,084HK$6,588HK$3,504
50HK$3,216HK$6,880HK$3,664
51HK$3,360HK$9,666HK$6,306
52HK$3,504HK$9,666HK$6,162
53HK$3,684HK$9,666HK$5,982
54HK$3,864HK$9,666HK$5,802
55HK$4,068HK$9,666HK$5,598
56HK$4,260HK$9,666HK$5,406
57HK$4,548HK$9,966HK$5,418
58HK$4,728HK$10,449HK$5,721
59HK$4,920HK$10,912HK$5,992
60HK$5,268HK$15,375HK$10,107
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$2,600.

HK$2,600 is enough for a 41-44 year old male to buy VHIS!

AgesBowtieAverage annual premium of
all plans on the market^
Difference
41HK$2,160HK$3,184HK$1,024
42HK$2,280HK$3,306HK$1,026
43HK$2,400HK$3,443HK$1,043
44HK$2,508HK$3,583HK$1,075
45HK$2,628HK$3,771HK$1,143
46HK$2,748HK$3,917HK$1,169
47HK$2,856HK$4,074HK$1,218
48HK$2,964HK$4,237HK$1,273
49HK$3,084HK$4,402HK$1,318
50HK$3,216HK$4,615HK$1,399
51HK$3,360HK$4,944HK$1,584
52HK$3,504HK$5,186HK$1,682
53HK$3,684HK$5,445HK$1,761
54HK$3,864HK$5,719HK$1,855
55HK$4,068HK$6,076HK$2,008
56HK$4,260HK$6,349HK$2,089
57HK$4,548HK$6,668HK$2,120
58HK$4,728HK$6,996HK$2,268
59HK$4,920HK$7,321HK$2,401
60HK$5,268HK$7,946 HK$2,678

Premiums for Middle-Aged Women

For 41-60 years old middle-aged women, Bowtie VHIS Standard is also the cheapest in town!

According to the Health Bureau’s VHIS website, the premium for the VHIS Standard Plan for 41-60 year old middle-aged women ranges from HK$2,640 to HK$15,375.

Bowtie charges up to HK$10,000 cheaper than the most expensive plan.

HK$10,000 saved can be used to purchase insurance for family members of different ages!
The Cheapest VS the Most Expensive Plan
Ages BowtieThe most expensive VHISDifference
41HK$2,640HK$6,588HK$3,948
42HK$2,760HK$6,588HK$3,828
43HK$2,892HK$6,588HK$3,696
44HK$3,000HK$6,782HK$3,782
45HK$3,132HK$7,021HK$3,889
46HK$3,276HK$7,254HK$3,978
47HK$3,420HK$7,481HK$4,061
48HK$3,576HK$7,689HK$4,113
49HK$3,732HK$7,877HK$4,145
50HK$3,828HK$8,064HK$4,236
51HK$3,900HK$9,666HK$5,766
52HK$3,984HK$9,666HK$5,682
53HK$4,056HK$9,666HK$5,610
54HK$4,140HK$9,666HK$5,526
55HK$4,224HK$9,758HK$5,534
56HK$4,332HK$10,110HK$5,778
57HK$4,464HK$10,465HK$6,001
58HK$4,584HK$10,824HK$6,240
59HK$4,740HK$11,149HK$6,409
60HK$5,064HK$15,375HK$10,311
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 42-44 year old female.

AgesBowtieAverage annual premium of
all plans on the market^
Difference
41HK$2,640HK$3,953HK$1,313
42HK$2,760HK$4,106HK$1,346
43HK$2,892HK$4,253HK$1,361
44HK$3,000HK$4,402HK$1,402
45HK$3,132HK$4,626HK$1,494
46HK$3,276HK$4,777HK$1,501
47HK$3,420HK$4,926HK$1,506
48HK$3,576HK$5,084HK$1,508
49HK$3,732HK$5,242HK$1,510
50HK$3,828HK$5,393HK$1,565
51HK$3,900HK$5,661HK$1,761
52HK$3,984HK$5,836HK$1,852
53HK$4,056HK$6,022HK$1,966
54HK$4,140HK$6,224HK$2,084
55HK$4,224HK$6,515HK$2,291
56HK$4,332HK$6,724HK$2,392
57HK$4,464HK$6,948HK$2,484
58HK$4,584HK$7,169HK$2,585
59HK$4,740HK$7,400HK$2,660
60HK$5,064HK$7,908HK$2,844
  • 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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