Teens & Young Adults VHIS Premium Comparison
VHIS Standard Plans on the market offer similar protection. You can simply compare the premiums to decide which plan to choose.
Male in High School, College, or University
Bowtie VHIS Standard is one of the cheapest plans in Hong Kong!
For example, the yearly premium difference between Bowtie and the most expensive plan for male aged 13-21 is >HK$2,800.
| Age | Bowtie | The most expensive VHIS | Difference |
| 13 | $1,164 | $2,916 | $1,752 |
| 14 | $1,164 | $2,916 | $1,752 |
| 15 | $1,188 | $2,916 | $1,728 |
| 16 | $1,212 | $2,916 | $1,704 |
| 17 | $1,236 | $2,916 | $1,680 |
| 18 | $1,236 | $4,104 | $2,868 |
| 19 | $1,236 | $4,104 | $2,868 |
| 20 | $1,248 | $4,104 | $2,856 |
| 21 | $1,296 | $4,104 | $2,808 |
For a fair comparison of prices, we compare Bowties VHIS Standard with all standard plans on the market.
For the male aged between 13-21 years old, the yearly premium difference between Bowtie and the market average could be HK$697 at most.
| Age | Bowtie | Average annual premium of all plans on the market^ |
Difference |
| 13 | $1,164 | $1,769 | $617 |
| 14 | $1,164 | $1,772 | $608 |
| 15 | $1,188 | $1,782 | $618 |
| 16 | $1,212 | $1,804 | $616 |
| 17 | $1,236 | $1,827 | $615 |
| 18 | $1,236 | $1,857 | $621 |
| 19 | $1,236 | $1,884 | $648 |
| 20 | $1,248 | $1,912 | $676 |
| 21 | $1,296 | $1,945 | $697 |
Although HK$697 is not a large amount, but why not choose a more affordable plan when they are having similar coverage?
Female in High School, College, or University
For female students aged 13-21, Bowtie VHIS Standard remains one of the most affordable plan in Hong Kong!
For example, the premium for female aged 18 to 20 can differ by more than HK$2,600 per year.
| Age | Bowtie | The most expensive VHIS | Difference |
| 13 | $1,224 | $2,916 | $1,692 |
| 14 | $1,248 | $2,916 | $1,668 |
| 15 | $1,248 | $2,916 | $1,668 |
| 16 | $1,320 | $2,916 | $1,596 |
| 17 | $1,392 | $2,916 | $1,524 |
| 18 | $1,416 | $4,104 | $2,688 |
| 19 | $1,452 | $4,104 | $2,652 |
| 20 | $1,464 | $4,104 | $2,640 |
| 21 | $1,512 | $4,104 | $2,592 |
Similarly, we compare Bowtie’s VHIS standard with all standard plans on the market.
For female within the age range of 13-21, Bowtie could be HK$642 cheaper at most, compared to the average annual premium of the market .
| Age | Bowtie | Average annual premium of all plans on the market^ |
Difference |
| 13 | $1,224 | $1,771 | $547 |
| 14 | $1,248 | $1,794 | $546 |
| 15 | $1,248 | $1,816 | $568 |
| 16 | $1,320 | $1,868 | $548 |
| 17 | $1,392 | $1,903 | $511 |
| 18 | $1,416 | $1,970 | $554 |
| 19 | $1,452 | $2,032 | $580 |
| 20 | $1,464 | $2,086 | $622 |
| 21 | $1,512 | $2,154 | $642 |
HK$642 is not a large amount, but since the protection is similar, choosing a more affordable plan is definitely more cost-effective!
- Note: The above prices are for VHIS "Standard Plan"of non-smoking insured for the respective age, updated as of December 30, 2025. For accurate quotes and product details, please consult each insurance company.
- ^Excludes premiums for additional contracts
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