Author
Bowtie Team
Updated on
2025-12-29
Disclaimer: This article is translated with the assistance of AI.
If you’re uninsured and prefer a semi-private ward during illness, Bowtie recommends the Bowtie VHIS Flexi Plus, paired with the GHK Wellness Package and Cancer Fighter 3M for complete protection. Dive in to find out why!
No need to worry about inflated medical costs in a semi-private room
Reason 1: You Don’t Have Insurance Yet
If you haven’t purchased any insurance yet, we recommend choosing a plan with no deductible . Plans like Bowtie VHIS Standard , Bowtie VHIS Flexi Regular, and Bowtie VHIS Flexi Plus are all “no deductible” options. Even for small medical expenses, you can claim without paying anything out of pocket under these plans.
Reason 2: You Want a Semi-Private Ward
If you’re hoping to stay in a “semi-private ward” when ill, opting for “ Bowtie VHIS Flexi Plus + GHK Wellness Package + Cancer Fighter ” will provide sufficient coverage for semi-private ward treatment.
Staying in a higher-grade room means the hospital will mark up all related expenses during your stay. Bowtie VHIS Standard and Bowtie VHIS Flexi Regular do not offer full coverage for semi-private ward treatments.
Introduction to Insurance Plans
| Bowtie VHIS Flexi Plus | GHK Wellness Package |
Cancer Fighter 3M |
|
| Coverage | General hospitalization, Day Surgery and selected outpatient treatments | Full reimbursement^ for specified medical packages
(Includes one annual Health Checkup and other optional wellness services) |
Full reimbursement for cancer treatment costs, from diagnosis to palliative care |
| Monthly Premium* | HK$453 | HK$200 | HK$57 |
| Learn More | Learn More | Learn More |
- ^ Full reimbursement is subject to the annual benefit limit of Bowtie VHIS Flexi Plus.
- * Based on a 30-year-old non-smoking male.
Key Notes for Buying This Health Insurance Combo
| Bowtie GHK Wellness Package | |
| Important Notes |
|
Why Not Just Buy High-End Medical Insurance?
You might wonder, “Why not just get a high-end medical insurance (like Bowtie Pink ) instead of splitting coverage across 3 plans for full protection?”
Simple answer: It’s cheaper this way!
| Bowtie Pink (Semi-Private) (HK$0 Deductible) |
Bowtie VHIS Flexi Plus + GHK Wellness Package + Cancer Fighter 3M |
|
| Premium* | HK$909 | HK$710 |
- * Based on a 30-year-old, non-smoking male
When opting for premium medical insurance, most people choose a “high deductible” plan to lower their premiums, then use existing coverage (like company medical insurance or other personal plans) to offset that deductible.
But if you don’t have any medical insurance yet, having to pay tens of thousands of HKD out of pocket each year before getting reimbursed just isn’t practical.
On the other hand, choosing a “HK$0 deductible” plan often means sky-high premiums , which isn’t realistic either. That’s why we recommend the “Bowtie VHIS Flexi Plus + GHK Wellness Package + Cancer Fighter – 3M”.
If you’ve got some extra budget, consider adding Bowtie Term CI, Bowtie Term Life and Bowtie Touch Wood Protector to your coverage. Each type of insurance serves a unique purpose. For broader protection, check out other Bowtie products.
| Insurance Plan | Purpose | |
| Bowtie Term CI | Supports living expenses during illness with no income | Learn About Term CI |
| Bowtie Term Life | Provides financial security for family after passing | Learn About Term Life |
| Bowtie Touch Wood Protector | Covers treatment costs from accidental injuries, including hospital and outpatient care | Learn About Touch Wood Protector |
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