Author
Bowtie Team
Updated on
2025-07-21
Disclaimer: This article is translated with the assistance of AI.
Mention private hospitals, and many instantly picture hefty, itemized medical bills. Eager to switch from public to private for quicker check-ups and treatments? Financial worries often stand in the way – until now.
Always down-to-earth, Bowtie (Bowtie Life Insurance) has recently teamed up with Gleneagles Hospital to innovatively combine medical packages with VHIS into one, launching a fixed-fee “Insurance + Health” package. By paying just HK$200 monthly for the package, Bowtie VHIS Flexi policyholders can enjoy full reimbursement for medical coverage*! Let Bowtie’s actuarial team break down the background and features of this package for you!
Bowtie GHK Wellness Package Features
On April 8, 2021, Bowtie and Gleneagles Hospital launched the GHK Wellness Package , which not only covers the costs of specified medical packages but also includes comprehensive health check-ups and wellness services.
The 3 key features of the GHK Wellness Package:
🌟 Full Reimbursement for Medical Packages — Over 240 specified medical packages for check-ups/surgeries qualify for full reimbursement, including all related procedure costs, without restrictions on co-insurance or individual benefit limits. This transparent pricing gives patients peace of mind.
🌟 Comprehensive Health Check-Ups for Reassurance — Enjoy a free comprehensive* annual health check-up (valued up to HK$2,720).
🌟 Tailored Wellness Services — Choose from annual health services like eye care plans and professional dietitian guidance. Services are provided by the advanced facilities at Gleneagles Hospital in Hong Kong Island’s Southern District or Gleneagles Medical Clinic (Central), perfectly suited for residents nearby.
As the saying goes, “prevention is better than cure.” Bowtie believes that if an insurer promises to protect policyholders, it should proactively safeguard their health, not just step in after a diagnosis.
Bowtie aims to encourage regular health management through affordable comprehensive check-ups, eye care, and dietitian services , helping clients boost health awareness, detect and treat issues early, control conditions promptly, and reduce personal and societal medical burdens. In the future, Bowtie will continue exploring more service options to build a client health ecosystem.
Why Gleneagles Pioneered Fixed-Price Packages
To align with the government’s efforts to tackle medical inflation and ease the pressure on the public healthcare system , Gleneagles Hospital Hong Kong (GHK) has been offering fixed-price medical packages with transparent fees since its establishment in 2017, providing high-quality and affordable private healthcare services to the public and setting a precedent in Hong Kong’s private medical sector.
Bowtie shares the same vision as GHK, aiming to make private healthcare more accessible through our VHIS products . This collaboration between Bowtie and GHK marks the first time an insurer has integrated medical packages with VHIS.
Benefits of Medical Packages in Hong Kong
For patients, all-inclusive and fixed-price medical packages allow them to know the total cost upfront before admission, sparing those already in recovery from worrying about unknown treatment expenses.
GHK offers over 240 medical packages covering surgeries and examinations in specialties like cardiology, gynecology, general medicine, orthopedics, and more. These packages are transparently priced and comprehensive, including doctor’s fees, medications, hospitalization, surgical procedures, meals, and more—without itemized billing.
Even if a patient requires additional surgery or ICU admission due to medical needs within the specified hospital stay period, those costs are covered without extra charges.
Beyond providing peace of mind to patients, fixed-price medical packages help control medical inflation in the long run and maintain the standard and quality of healthcare services. For instance, under the traditional itemized billing model, patients would have to bear the costs of any post-surgery complications themselves.
In other words, in the conventional fee-for-service model, more medical procedures mean higher revenue for healthcare providers. This indirectly “encourages” them to perform checks, surgeries, or treatments that may not be medically necessary. This not only overlooks patients’ rights but also leads to medical waste. As demand rises, it pushes healthcare providers to increase fees, ultimately forcing consumers to face higher medical costs—this is what we call “medical inflation.” Since insurers review premiums based on claims and medical costs, rising demand and expenses only add pressure for premium hikes.
Conversely, the fixed-package model incentivizes healthcare providers to “do their best”—under a set fee, delivering only medically necessary procedures to cure the patient is sufficient. This undoubtedly boosts the motivation of medical staff and enhances the quality of services.
Uniform Fees Regardless of Age or Gender?
Yes. As long as you’re insured under Bowtie VHIS Flexi , you can add the “VHIS + Wellness” package for a flat monthly premium of HK$200. This uniform fee applies regardless of age or gender.
Since Bowtie VHIS products are already priced based on the customer’s age, gender, and health status—reflecting risk factors—we’ve decided to make the “VHIS + Wellness” package premium uniform as a way to give back to our customers.
Case Study*: VHIS + Wellness Saves HK$6000+
| Client Background | Mr. A, 40 years old, Bowtie VHIS Flexi Regular customer, has additionally purchased GHK Wellness Package |
||||
| Condition | Achilles tendon rupture | ||||
| Hospital Admitted | Gleneagles Hospital | ||||
| Hospitalization Days | 2 days | ||||
| Surgery | Achilles tendon repair + plaster fixation (one of the designated medical packages ) | ||||
| Surgery Charges*, Coverage Amount, and Self-Pay Amount | |||||
| Surgical Package Medical Items |
Item Charge Amount |
Flexi Regular Coverage |
Flexi Regular Supplementary Medical Coverage ( SMM ) Coverage | Self-Pay Amount | After Purchasing GHK Wellness Package |
| Room and Board | HK$1,800 | HK$1,800 | HK$0 | HK$0 | Full Coverage |
| Miscellaneous Expenses | HK$12,674 | HK$12,674 | HK$0 | HK$0 | |
| Attending Doctor’s Visit Fee | HK$2,000 | HK$2,000 | HK$0 | HK$0 | |
| Surgeon’s Fee | HK$21,200 | HK$15,000 | HK$4,960 | HK$1,240 | |
| Anaesthetist’s Fee | HK$7,100 | HK$5,300 | HK$1,440 | HK$360 | |
| Operating Theatre Fee | HK$10,326 | HK$5,300 | HK$4,020.8 | HK$1,005.2 | |
| Pre-admission and Post-discharge/Day Surgery Outpatient Care (1 pre + 2 post) | HK$4,950 | HK$2,700 | HK$0 | HK$2,250 | |
| Total | HK$60,050 | HK$44,774 | HK$10,420.8 | HK$4,855.2 | HK$0 Out-of-Pocket |
This surgery is one of the designated medical packages listed in the “VHIS + Wellness” package , so Mr. A did not need to pay any out-of-pocket expenses.
If Mr. A had only insured with Bowtie VHIS Flexi Regular without adding the “VHIS + Wellness” package , and he chose to be admitted to Gleneagles Hospital for the “Achilles tendon repair + plaster fixation,” the total surgery charge would be HK$60,050. After deducting the policy’s compensation, he would still need to pay over HK$4,000 out-of-pocket.
If patients are still unclear about the items, service scope, and charges of the medical packages , no worries. Gleneagles Hospital provides free pre-admission consultation services to help patients understand the related costs further, allowing them to make decisions with peace of mind.
Want to exchange for “full reimbursement”* premium medical packages and enjoy a comprehensive medical and wellness experience? 👉🏻 Click here to apply for 🖱️Bowtie VHIS Flexi Regular , and add the package policy for just HK$200 monthly premium!
📱Want to know how much coverage you need? Use Bowtie Coverage Calculator now!
- * The above examples are for reference only.
VHIS Flexi Add-On Guide for Customers
| New Customers | Existing Customers | |
| Add-On Method | New customers can add on the “GHK Wellness Package” for a monthly fee of HK$200 when applying for Bowtie VHIS Flexi. | Existing Bowtie VHIS Flexi customers can log in to the online platform anytime to add on the “GHK Wellness Package” for a monthly fee of HK$200. |
| Waiting Period
(From Service Effective Date) |
|
|
| Add-On Period | Within 2 years after the Bowtie VHIS Flexi policy takes effect | |
| Apply for Flexi Plan | Log In Now to Add Package | |
- ^ Full reimbursement for designated medical package fees is subject to the annual benefit limit of your VHIS Flexi policy.
1. How to Apply for Reimbursement?
After successfully applying and joining the plan, when undergoing surgery or check-ups under the designated medical packages at Gleneagles Hospital, simply inform the doctor or hospital staff of your Bowtie VHIS Flexi customer status. Gleneagles Hospital will then submit a pre-approval reimbursement application to Bowtie on your behalf.
2. If I Need Treatments or Services Outside the Medical Package, Are There Extra Fees?
Gleneagles Hospital will clearly list fees outside the medical package. You can estimate the reimbursement amount during the approval process in advance, or pay for the additional services first and submit a claim for the extra payments after treatment ends. For details, refer to the content of each medical package.
3. Is There a Limit on Full Reimbursement?
Yes, the limit is equivalent to the annual benefit limit of your VHIS Flexi policy. Bowtie VHIS Flexi Regular and Flexi Plus have annual benefit limits of HK$600,000 and HK$1,000,000 respectively.
If the designated medical package you choose is worth HK$100,000, but your VHIS Flexi policy has only HK$80,000 remaining in the annual benefit limit, you can receive a maximum reimbursement of HK$80,000, not the full amount.
- Any content in this article related to Bowtie products is for reference and educational purposes only. Customers should refer to the detailed terms and conditions on the relevant product webpages.
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