Disclaimer: This article is translated with the assistance of AI.
Colonoscopy | Gastroscopy | |
Tool | A flexible tube with a camera that enters through the anus to examine the large intestine | A flexible, camera-equipped tube inserted through the mouth to observe the stomach |
These two procedures can detect abnormalities in the intestines and stomach, such as inflammation, ulcers, polyps, and cancer cells. Plus, they can also perform other treatments, like removing polyps or taking tissue samples for pathology testing.
If you’ve experienced or are dealing with any of the following on a long-term basis, consider getting a colonoscopy or gastroscopy based on your doctor’s referral or advice:
We’ve compared the fees at various private hospitals and endoscopy centers, and gastroscopy can range from HK$5,000 to over HK$10,000, while colonoscopy can go from HK$8,000 to over HK$20,000. That means doing both could cost up to HK$30,000! And if you need extras like polyp removal or tissue analysis, costs can climb even higher, so claiming on insurance can save you a bundle.
Insurance policies vary widely, and you might think an endoscopy at a day center is always covered, but it’s not guaranteed. If your policy excludes outpatient procedures, you could be out of luck on the claim (check the details in the source material for more info).
The Bowtie VHIS plan can cover colonoscopy / gastroscopy costs.
Colonoscopy / gastroscopy is considered a minor surgery. If the insured undergoes it on a doctor’s recommendation, the procedure can be compensated, whether it’s inpatient or day surgery.
However, note that if the related colonoscopy / gastroscopy is for preventive treatment or care—such as general health checks, regular tests, or screening procedures without symptoms—it is not covered under the Bowtie VHIS plan.
BowtieCash is an additional reward for Bowtie VHIS policyholders to pay for reasonable medical expenses, which can be used to cover the remaining medical costs after claims from the Bowtie VHIS plan.
This program is governed by the BowtieCash Promotion Campaign terms.
We’ve designed 2 case studies, using the prices from the Eileen High-Definition Endoscopy Centre for endoscopy examinations, and assuming there’s HK$2000 in BowtieCash in the policy, to show you how Bowtie customers can claim the full examination costs without paying a single cent.
Case 3: Ms. Lee underwent an endoscopy at the Eileen High-Definition Endoscopy Centre (Mong Kok) , where everything in the stomach was normal, but 3 polyps (with fees the same for 1-3) were found in the intestines, requiring removal surgery. To prevent bleeding after polyp removal, the doctor used additional medical tools, like a snare, resulting in a HK$700 charge*, which the Bowtie VHIS plan considers as “miscellaneous” and fully compensates. With BowtieCash, Ms. Lee gets full reimbursement.
Item | Price | Bowtie VHIS Standard Coverage | Bowtie VHIS Flexi Regular Coverage |
Colonoscopy Costs | |||
Surgeon’s Operation Fee | HK$6300* | HK$5000 | HK$6000 |
Operating Room Fee | HK$2100* | HK$1750 | HK$2100 (Fully covered!) |
Pathology Analysis | HK$1520* | HK$2220 (Considered as “miscellaneous” and fully covered) | HK$2220 (Considered as “miscellaneous” and fully covered) |
Snare | HK$700* | ||
Gastroscopy Costs | |||
Surgeon’s Operation Fee | HK$4500* | HK$4500 (Fully covered!) | HK$4500 (Fully covered!) |
Operating Room Fee | HK$1620* | HK$1575 | HK$1620 (Fully covered!) |
Additional Medical Coverage | / | This plan does not provide additional medical coverage | HK$240 |
Total | $16740* | HK$15045 | HK$16680 |
Difference | / | HK$1695 | HK$60 |
BowtieCash | / | $1695 | $60 |
Actual Amount Paid | / | HK$0 | HK$0 |
Case Four: Ms. Li underwent Alan High-Definition Gastroscopy Center (Mong Kok) an endoscopy examination, where several polyps were found in both the intestines and stomach (1-3 polyps, same fee), requiring removal surgery involving pathology analysis. To prevent bleeding after polyp removal, the doctor used additional medical tools, resulting in an extra HK$2700 charge^, but the Bowtie VHIS will cover this as ‘miscellaneous items’ in full. With BowtieCash, Ms. Li receives full reimbursement.
Item | Price | Bowtie VHIS Standard Coverage Provided | Bowtie VHIS Flexi Regular Coverage Provided | |
Colonoscopy Fees | ||||
Surgeon’s Operation Fee | HK$6300^ | HK$5000 | $6000 | |
Operating Room Fee | HK$2100^ | HK$1750 | $2100 (Fully covered!) | |
Pathology Analysis | HK$1520^ | $2220 (Treated as ‘miscellaneous’ coverage) | $2220 (Treated as ‘miscellaneous’ coverage) (Fully covered!) | |
Snare (Electrosurgical Tool) | HK$700^ | |||
Gastroscopy Fees | ||||
Surgeon’s Operation Fee | HK$4500^ | HK$4500 (Fully covered!) | HK$4500 (Fully covered!) | |
Operating Room Fee | HK$1620^ | HK$1575 | HK$1620 (Fully covered!) | |
Pathology Analysis | HK$900^ | HK$900 (Fully covered!) | HK$900 (Fully covered!) | |
Additional Medical Coverage | / | This plan does not provide additional medical coverage | HK$240 | |
Total Amount | HK$17640^ | HK$15945 | HK$17340 | |
Difference | / | HK$1695 | HK$60 | |
BowtieCash | / | $1695 | $60 | |
Actual Amount Paid | / | HK$0 | HK$0 |
The above cases are for reference only; actual medical costs will depend on the doctor’s recommendations and decisions based on the patient’s physical condition.
© 2025 Bowtie Life Insurance Company Limited. All rights reserved.