Author
Bowtie Team
Updated on
2025-06-13
Disclaimer: This article is translated with the assistance of AI.
Before buying insurance, do you find out what netizens are saying? As one of Hong Kong’s largest forums, LIHKG buzzes with discussions on Bowtie products. To set the record straight, we’re tackling the top 6 questions from LIHKG users with clear, expert answers!
Question 1: Is Buying Bowtie VHIS Flexi Plan and Cancer Fighter Worth It?
After buying VHIS Flexi, you can add the cancer insurance which is priced low, and in the long run, buying Bowtie is cheaper.
— LIHKG User
Bowtie : Indeed, this LIHKG user’s suggestion aligns closely with Bowtie experts’ insurance recommendations. Bowtie VHIS Flexi Plan can cover medical expenses from illnesses or accidents, but it might not fully cover cancer treatments, whereas Cancer Fighter perfectly fills that gap by providing full compensation for cancer treatment costs.
Besides Cancer Fighter , Bowtie recommends adding GHK Wellness Package , at just HK$200 per month (for any age, flat rate), which fully reimburses over 240 medical packages at Gleneagles Hospital , covering treatments for common illnesses!
Bowtie Insurance Recommendations :
- If you want comprehensive coverage and don’t mind a standard ward → Go for Bowtie VHIS Flexi Regular + GHK Wellness Package + Cancer Fighter
- If you want comprehensive coverage and prefer a semi-private room → Opt for Bowtie VHIS Flexi Plus + GHK Wellness Package + Cancer Fighter
Bowtie : On pricing, there are many cancer insurance products out there with different designs, so it’s tough to compare directly. For a quick reference, let’s say you’re a 30-year-old non-smoking male – Bowtie Cancer Fighter 3M (with lifelong coverage up to HK$3,000,000) costs just HK$57 per month. You decide if that’s a steal!
Question 2: Should I Buy Cancer Fighter with Bowtie Pink?
Wirh Bowtie Pink, do I still need to add cancer protection? (80% of my relatives have had cancer, I think I really do need it.)
— LIHKG User
Bowtie Pink covers everything in full, with coverage from HK$10 million per year to HK$50 million lifetime, so any type of cancer should be fully covered. Adding Cancer Fighter seems a bit wasteful, and getting Critical Illness or Term Life might be even better.
— LIHKG User
Bowtie : We understand concerns about cancer treatment costs, but if you’ve insured with Bowtie Pink (Semi-Private / Private) , you might not need to get Cancer Fighter in addition, as both provide full coverage for cancer treatment (including hospitalization, outpatient surgery, and specified non-surgical cancer treatments), so there’s overlap in coverage.
Of course, if you want more outpatient coverage, you could consider adding Cancer Fighter , which extends to things like Traditional Chinese Medicine treatments, acupuncture, herbal medicine, and nutritionist consultations.
If you have the budget, we’d actually recommend going for Term CI and Bowtie Term Life, as their coverage differs from medical insurance. Medical insurance offers reimbursement for actual medical expenses, while these provide:
| Insurance Plan | Purpose | |
| Bowtie Term CI | Provides a lump-sum payout to support living expenses when you’re ill and without income | Bowtie Term CI |
| Bowtie Term Life | Offers a lump-sum financial safeguard for your family in the event of your unfortunate passing | Bowtie Term Life |
Question 3: Differences Between Bowtie Pink and GHK Wellness Package
Bowtie Pink (Semi-Private) has an annual limit of HK$10,000,000 (lifetime HK$50,000,000), fully reimburses any hospital, but the GHK plan has a lower limit and only fully reimburses at GHK, so they are quite different.
— LIHKG User
Bowtie : Exactly! The two differ significantly in coverage, limits, health services, and tax deductions. For details, you can check out the web content.
| Bowtie Pink (Ward / Semi-Private / Private) |
GHK Wellness Package | |
| How to Subscribe? | You can subscribe directly | Only customers with Bowtie VHIS Flexi Regular or Bowtie VHIS Flexi Plus can subscribe to this plan |
| Coverage | Fully reimburses medical expenses at any hospital | Fully reimburses specified medical packages at GHK Hospital |
| Limits | Annual limit HK$8,000,000 – HK$20,000,000# Lifetime limit HK$40,000,000 – HK$80,000,000# |
Annual limit HK$600,000 / HK$1,000,000 (depending on whether you have Bowtie VHIS Flexi Regular or Flexi Plus) |
| Included Health Services | Occasional subscription promotions , including health check-ups |
|
| Tax Deductions | Premiums are tax-deductible | Premiums for GHK Wellness Package (i.e., HK$200) are not tax-deductible |
Although they are different, there is some overlap in coverage, so you only need to subscribe to one plan. As for how to choose, you can decide based on the following suggestions:
- # Depending on the insurance plan
Working Professionals👩🏼💻🧑🏼✈️
Working Professionals May Choose Bowtie Pink (Ward) VHIS (HK$0 – HK$80,000 Deductible)
In Hong Kong, many working professionals have company medical insurance that covers basic medical expenses, and this compensation can offset the deductible in Bowtie Pink. Plus, Bowtie Pink’s premiums might even be cheaper than the Bowtie VHIS Flexi Regular plus the GHK Wellness Package!
For example, for a 30-year-old non-smoking male:
| Bowtie Pink (Ward) HK$50,000 Deductible |
Bowtie VHIS Flexi Regular and GHK Wellness Package |
|
| Premium | HK$220 | HK$436 |
If your company medical insurance covers more than HK$50,000 for hospitalization, you can opt for the HK$80,000 deductible plan, with monthly premiums as low as HK$197!
Soon-to-Retire Individuals🧔🏼
Soon-to-Retire Individuals Can Choose Bowtie VHIS Flexi Regular + GHK Wellness Package
Retirees will lose their company medical insurance and monthly salary, but as they age, they face greater health risks and naturally want comprehensive coverage. Without company insurance, you’d have to pay the deductible yourself, which could mean shelling out several thousand dollars upfront for the first claim. However, plans with a HK$0 deductible are more expensive than Bowtie VHIS Flexi Regular and GHK Wellness Package !
For example, for a 60-year-old non-smoking male:
| Bowtie Pink (Ward) ( Ward ) HK$0 Deductible |
Bowtie VHIS Flexi Regular and GHK Wellness Package |
|
| Premium | HK$1,946 | HK$1,084 |
On top of that, the GHK Wellness Package provides policyholders with an annual comprehensive health check-up and other optional screenings. No extra cost means you can keep tabs on your health regularly, catching issues early to avoid serious illnesses and lengthy treatments—after all, early detection makes recovery so much easier!
Have you considered buying Bowtie Pink VHIS product? Get a quote now!
GHK Wellness Package Regardless of age, the monthly premium is only HK$200!
Question 4: Do I Need to Buy Accident Insurance After Purchasing Bowtie VHIS Flexi?
Bowtie VHIS Flexi includes accident outpatient coverage, so you don’t need to buy accident insurance!
— Forum User
Bowtie : Indeed, if you’ve purchased Bowtie Pink , you might not need to get Touch Wood Protector as well, because Bowtie Pink also covers accident treatments with overlapping coverage. The only difference is that Touch Wood Protector offers more for accident outpatient services, which Bowtie VHIS does not provide, such as physiotherapy and traditional Chinese bone-setting treatments resulting from accidents:
| Coverage of Bowtie Touch Wood Protector ^ | |
|---|---|
| Physiotherapy, chiropractic treatment, and traditional Chinese medicine orthopedics physiotherapy, chiropractic treatment, and traditional Chinese medicine orthopedics # |
|
| Physiotherapy, chiropractic treatment, and traditional Chinese medicine orthopedics * |
|
Of course, if you have a sufficient budget and highly value accident coverage, wanting to add extra outpatient coverage (such as physiotherapy and traditional Chinese bone-setting); or if certain health issues prevent you from passing medical underwriting for VHIS, you can consider adding/purchasing Bowtie Touch Wood Protector.
The most important thing is to get Bowtie VHIS insurance; if you have the budget, then consider Touch Wood Protector
— Bowtie
Question 5: What’s the Use of VHIS and Touch Wood Protector in Accidents?
If an accident occurs, like a car crash or a sports fracture… the ambulance takes you to a public hospital… how do you apply to transfer to a private one? If you end up getting a surgery in public hospital, flexible or accident insurance seems ineffective…
— LIHKG User
Bowtie : Indeed, if the insured needs immediate surgery in a public hospital due to a severe accident, VHIS and Touch Wood Protector may not be very effective (surgery in public hospitals might be free or cheaper). However, after surgery, follow-up treatments may be needed (such as physiotherapy, chiropractic, and traditional Chinese medicine orthopedics), and Touch Wood Protector can come into play, covering the actual costs of medically necessary treatments within 12 months after the accident.
VHIS – Bowtie VHIS Flexi Plan can also cover outpatient services after an accident, but only up to 3 times.
In fact, injuries from accidents can be divided into emergency and non-emergency . In non-emergency situations, you might not get to see a doctor right away, let alone have surgery. With medical insurance like Bowtie VHIS and Touch Wood Protector , the insured can arrange to go to a private hospital emergency room for treatment and get surgery as soon as possible.
Question 6: How to Buy Bowtie Insurance as a First-Timer?
Bowtie : The most common question people have is ” If you’ve never bought insurance before, which Bowtie product should I choose? “.
We believe that people asking this question already understand the importance of insurance! Indeed, there are only 3 kinds of people in the world who don’t need insurance: (1) Those who will never get sick or have accidents, (2) Super rich folks, and (3) People who can treat themselves.
For everyone else, getting these 3 types of insurance is enough to cover the risks of illness and death!
| Insurance Plan | Purpose | |
| VHIS | Covers actual medical expenses for accidents or illnesses on a reimbursement basis, so you don’t have to wait for public hospital services, and you can confidently go to a private hospital for treatment |
Compare VHIS |
| Bowtie Term CI | Provides a lump-sum payout to support living expenses when you’re ill and have no income, ensuring your lifestyle isn’t affected |
Learn about Bowtie Term CI |
| Bowtie Term Life | Offers a lump-sum financial safeguard for your family in the event of your unfortunate passing | Learn about Bowtie Term Life |
Each insurance plan serves a different purpose, and while getting the full package is the most comprehensive option, you should choose based on your own needs and budget.
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