Data of VHIS: Number of policies and claim approval rate in Hong Kong
According to figures released by the Department of Health, as of 29 August 2025, the number of approved products on the market reached 101 (comprising 33 standard plans and 89 flexible plans), collectively offering 548 schemes. This article provides an overview of the latest policy numbers and successful claim rates for the Voluntary Health Insurance Scheme!
Latest Voluntary Health Insurance Policy Figures for Hong Kong
Government data indicates that as of 31 March 2024, the number of policies for recognised Voluntary Health Insurance products reached 1,341,000. Over half of the insured persons (52.8%) were aged under 40, 35.4% were aged between 40 and 59, and 11.7% were aged 60 or above.
| Age of the insured | Number of insurance policies | Percentage of all policies |
| 0-9 years old | 129,000 | 9.6% |
| 10-19 years old | 122,000 | 9.1% |
| 20-29 years old | 179,000 | 13.3% |
| 30-39 years old | 278,000 | 20.7% |
| 40-49 years old | 263,000 | 19.6% |
| 50-59 years old | 212,000 | 15.8% |
| 60 years old or above | 157,000 | 11.7% |
| Overall | 1,341,000 | 100% |
Age distribution of Bowtie Voluntary Health Insurance beneficiaries
Bowtie is popular among young people and young parents, and our voluntary health insurance coverage percentages in several age groups, such as 0-9, 20-29, and 30-39, are higher than the market average.
| Age of the insured | Percentage of all Bowtie policies
^Data as of August 29, 2025. |
| 0-9 years old | 10.3% |
| 10-19 years old | 4.4% |
| 20-29 years old | 14.8% |
| 30-39 years old | 33.6% |
| 40-49 years old | 17.2% |
| 50-59 years old | 11.0% |
| 60 years old or above | 8.7% |
The VHIS plan has a success rate of over 90% annually in claim reimbursement
Government data shows that from 2019 to 2023, the success rate of claims under the Voluntary Health Insurance program exceeded 90% annually.
| Years | Claim success rate |
| 2019 (April to December) | 96% |
| 2020 | 94% |
| 2021 | 93% |
| 2022 | 92% |
| 2023 | 93% |
| Bowtie Voluntary Health Insurance
April 2019 to February 2025 |
98.3%
*Successful claims include cases that receive full or partial reimbursement. |
Source
