Does the Voluntary Health Insurance Scheme cover outpatient expenses?

The outpatient coverage is mainly for outpatient treatments before pre and post-hospitalization and day case procedures, with a maximum number of visits and benefit amount. In addition, 70% of the eligible costs for prescribed diagnostic imaging tests (i.e. CT, MRI, PET, PET-CT, PET-MRI) are covered for outpatient visits.

Does the Voluntary Health Insurance Scheme cover medical services outside Hong Kong?

Yes, except for psychiatric treatment. However, insurance companies may restrict the additional coverage to specified areas when designing a flexi plan.

Is dental treatment covered under the Voluntary Health Insurance Scheme?

VHIS does not cover regular dental check-ups, scaling, fillings, etc. However, if the insured requires emergency oral or dental procedures as a result of an accident, the relevant payments will be covered under the surgical Fee.

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VHIS Intro

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Bowtie emphasizes long-term protection

From day one, our product design has been aimed at providing long-term affordable protection that keeps pace with the times. This ensures you will still have adequate coverage even 5 or 10 years down the road.

What does voluntary medical insurance actually cover

Focus on Pragmatic Protection

Useful coverage is good coverage. We don't blindly pursue the number of benefit items. Instead, we design our products based on actual usage rates, fairness to customers, and average out-of-pocket amounts. This allows us to maintain low prices while ensuring a reasonable reimbursement rate.

Affordability Assured

The risk of illness only increases with age. Maintaining affordable premiums ensures you have coverage for the future.
In addition to operational and product design efforts, we actively offer various early disease screening and preventive treatment options. This helps reduce severe illness claims cases and alleviates premium increase pressure in the long run.

Annual upgrade, to keep pace with needs

A good medical insurance plan should evolve with the times.Facing medical inflation and increasing public health needs, we are committed to reviewing claims data and customer needs annually to enhance our coverage and services.
So far, Bowtie VHIS, has been upgraded for 3 consecutive years.

✨ Recent upgrade

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Plan Comparison

比較計劃 →賠償率比較 →

Bowtie Pink

Suitable for:

．Top-up for existing individual/group medical insurance

．Covering major illnesses

Full cover without sub-limits⁵

Deductibles option: $0, $20,000, $50,000, or $80,000

Annual Benefit Limit up to $20 million^#

Room level option: Ward / Semi-private / Private

．Acts as major medical coverage

．Covers common treatments (e.g., endoscopy, fractures)

Sub-limits apply, with the Supplementary Major Medical (SMM) benefit covering 80% of expenses that exceed the sub-limit for designated items

Deductible

Annual Benefit Limit up to $1 million^#

Room level options: Ward / Semi-private

．Budget-conscious individuals

．Covers basic hospitalization and surgery costs

Sub-limits apply

Deductible

Annual Benefit Limit $420,000

^#The benefit limit of the plan will vary depending on the room level.^*Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie VHIS standard plan, Flexi Regular plan and Bowtie Pink (Ward Room - Deductible HK$20,000).

Other than price,what makes them different? Ask AI

Real claim examples, comprehensive coverage of illnesses

Highly praised by the industry

Learn more →

Policy sold through direct channel⁸
2024

Insurance brand that customers think are best value in money⁹
‍2021-2022

Customer satisfaction ¹⁰
2021-2022

Bowtie has surpassed HKD 10 billion in coverage and serves over 100,000 customers, providing pure protection.

Mr. Tseung Chun-wah is a senior consultant at Bowtie

Frequently asked questions for VHIS plans

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Bowtie product specialist wearing a headset

Bowtie customer service specialist wearing a headset

Sun, Warren

Product Specialist

Not sure which product is right for you?

We offer commission-free, 1 on 1 product consultations to genuinely help you choose the right coverage!

Consultation booking hours:

Mon–Fri: 9:30am–6:30pm
Closed on Sat, Sun & public holidays

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Product & policy service enquiries

Coverage details, existing policies, application status, underwriting questions

Phone / WhatsApp service hours:

Mon–Fri: 9:30am–6:30pm
Sat & Sun: 2:00pm–6:00pm
(WhatsApp enquiries only)
Closed on public holidays

Call 3008 8123

or WhatsApp

Live Chat: click "Chat" at the bottom-right of the page

or email cs@bowtie.com.hk

By booking a time, you confirm you have read Bowtie's Personal Information Collection Statement and consent to the use and transfer of your personal data in accordance with it for the purpose of this enquiry.

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Disclaimer

‍¹Except for the key exclusions of the plan.
‍²The above is an example of the average out-of-pocket amount for Bowtie VHIS Flexi Regular Plan as of February 2023.
‍³The above data is from a market survey conducted by Bowtie on December 7, 2023. The comparison is based on similar VHIS plans with a general ward level, "Supplementary Major Medical", and room and board limits of $800 - $1200, using the standard annual premium for a non-smoking male at the respective age against Bowtie's VHIS Flexi Regular Plan and it is for reference only. Different medical insurance plans have varying coverage and benefit limits. Please refer to the relevant policy documents, terms, and conditions for details.
‍⁴According to data from Bowtie enrollment platform, as of December 13, 2022, Bowtie VHIS Flexi Plan was the most popular among the Bowtie VHIS series.
‍⁵Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, "List of Designated Hospitals in Mainland China" and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
‍⁶The figures shown are the actual claims payout ratios for the respective Bowtie Voluntary Health Insurance plan levels as of November 2022.
‍⁷Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie VHIS standard plan, Flexi Regular plan and Bowtie Pink (Ward Room - Deductible HK$80,000).
⁸ According to Insurance Authority’s Provisional Statistics for Long Term Business 2024, in the fourth quarter of 2024, Bowtie Life ranked first in terms of the number of new individual non-single premium policies sold through Direct channel in Hong Kong.
‍⁹ According to data analysis by YouGov, an international market research organization, Bowtie has been the "Insurance brand with the most customers considering it to be good value for money" in Hong Kong for two consecutive years since 2021. Value for money doesn’t just mean “cheap”, but means that it can bring value and services to consumers that are equivalent to the price.
‍¹⁰ According to the internal data, customer satisfaction score is 93% out of 165,000 interactions with our customers since 2019.
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* The promotion is subject to terms and conditions.

自願醫保計劃

Bowtie emphasizes long-term protection

Focus on Pragmatic Protection

Affordability Assured

Annual upgrade, to keep pace with needs

Plan Comparison

Real claim examples, comprehensive coverage of illnesses

Highly praised by the industry

Bowtie has surpassed HKD 10 billion in coverage and serves over 100,000 customers, providing pure protection.

Frequently asked questions for VHIS plans

Talk to a real person

Not sure which product is right for you?

Product & policy service enquiries

VHIS = The Preferred Choice for Medical Protection