Best for top-up
Any hospital, any surgery 100% protected1!

Additional Offer

50% OFF for add on Wellness Package

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Feature 1

High-end medical insurance
from just $186/month#

We use technology to cut costs and lower your premium.

# For example, with Bowtie Pink (Ward) and the deductible option HK$80,000, the monthly premium for a 30-year-old non-smoker is HK$186. The premium comparison above is based on similar medical insurance plans with the ward level (data source on 27, July 2023), HK$50,000 to HK$80,000 deductibles, for a 30-year-old non-smoker. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.

Feature 2

F
U
L
L

Full coverage for any surgery in any hospital

Annual benefit limit: HK$20,000,000/year
Lifetime benefit limit: HK$80,000,000

Full coverage1without sub-limits for eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments.
Prescribed non-surgical cancer treatments
 consist of radiotherapy, chemotherapy, targeted therapy, immunotherapy, and hormonal therapy. So, if you have Bowtie Pink, it is not recommended to apply for Bowtie Cancer Fighter for additional coverage.
In other words, no worries!
💡
唔使加購戰癌保!
Bowtie Pink 已經可就癌症相關的合資格住院、手術及非手術治療 (如放射性治療、化療、標靶治療、免疫治療及荷爾蒙治療) 提供全數賠償。

What’s a deductible? How does it work?

A deductible is the amount you need to pay by yourself in the event of a claim before the insurance company pays for your eligible medical expenses. The insurance company would cover any remaining medical expenses according to the benefit limits in the policy. The deductible of Bowtie Pink is counted per policy year.

How to choose deductible?
Learn more

 Real claim examples, comprehensive coverage of illnesses

Benefit table

Room suggested

Bowtie Pink (Ward)

Ward Room

Bowtie Pink (Semi-Private)

Semi-private room

Bowtie Pink (Private)

Private room

Benefit limit

Benefit limit
$8,000,000/year
$40,000,000/lifetime
Benefit limit
$10,000,000/year
$50,000,000/lifetime
Benefit limit
$20,000,000/year
$80,000,000/lifetime

Benefits items with full coverage

Benefits items with full coverage
Benefits items with full coverage
Benefits items with full coverage

Deductible

Deductible
$0 / $20,000 / $50,000 / $80,000
Deductible
$0 / $20,000 / $50,000 / $80,000
Deductible
$0 / $20,000 / $50,000 / $80,000

Premium

30-year-old non-smoker male, deductible option HK$80,000
Premium
$186/month
Premium
$273/month
Premium
$509/month

Want to explore other coverage levels of Bowtie's VHIS plans?

Detailed Benefit Schedule

Case studies

icon
Freelancers are different from full-time workers. I have no company welfare and group health insurance. My income is unstable so I have to take care of myself. I bought medical insurance after graduation, but the protection is minimal. As the Bowtie Pink’s premium is reasonable, I buy it for more coverage
About Bernice
Age 26/female/non-smoker
Freelancer
Monthly salary from HK$18,000 to HK$25,000 
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$50,000
Why choose this?
  • When filing a claim, personal health insurance can cover the deductible without overlap protection6
  • Hope to increase the coverage for critical illness expenses
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from personal health insurance
HK$50,000
Claim amount from
Bowtie Pink
HK$156,211  (deducted HK$50,000) 
Bernice paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from personal health insurance
HK$50,000
Claim amount from personal health insurance
HK$56,268 (deducted HK$50,000)
Bernice paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Bernice picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$50,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$293 (save 58%)
HK$698
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
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My group health plan only provides basic protection. Having Bowtie Pink, I hope to pay nothing if anything bad happens. My group health plan can cover the deductible of Bowtie Pink and Bowtie Pink can cover fully so I have no worries.
About Alfred
Age 33/male/non-smoker
Senior accountant
Monthly salary HK$20,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$20,000
Why choose this?
  • His group health plan6 provides basic protection
  • His group health plan can cover the deductible of HK$20,000 
  • The monthly premium is affordable to him
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$186,211 (deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$86,268 (Deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Save more with a right deductible option !
If Alfred picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$20,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$446 (save 47%)
HK$834
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
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My group health plan is good for basic protection but not enough for covering cancer and other critical illnesses. Also, I prefer a semi-private room with quietness and privacy. Bowtie Pink fits my needs and its premium is reasonable.
About Catherine
Age 42/female/non-smoker
SME CEO
Monthly salary HK$100,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible HK$80,000
Why choose this?
  • Her group medical insurance6can cover the standard-ward-level medical expenses
  • She prefers to have semi-private room service
  • She needs a high-end medical insurance that can cover cancer treatment expenses
  • Affordable monthly premium
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$126,211 (Deducted HK$80,000 )
Catherine paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$26,268 (deducted HK$80,000)
Catherine paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Catherine picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$80,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$0
Monthly premium
HK$378 (save 65%)
HK$1,085
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely for illustrative purposes and reference only. Any person who applies for insurance products, should, before doing so, consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.

Additional support

NEW No-Claim Rewards 2
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 3
Applicable to inpatient treatment and prescribed diagnostic imaging tests, allowing you to have a worry-free treatment.
NEW Designated Prescribed Diagnostic Imaging Tests Referral
Bowtie Health Specialist will book appointments at designated imaging centers and apply for pre-approval on your behalf for designated Prescribed Diagnostic Imaging Tests.
24 - hour Global
Emergency Assistance
4
In the event of an emergency during a business trip or holiday, call the 24-hour worldwide emergency hotline for assistance.
NEW No-Claim Rewards 2
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 3
Applicable to all private hospitals in Hong Kong. Let you focus on getting treated.
NEW Designated Prescribed Diagnostic Imaging Tests Referral
Bowtie Health Specialist will book appointments at designated imaging centers and apply for pre-approval on your behalf for designated Prescribed Diagnostic Imaging Tests.
NEW 24h Worldwide Emergency Assistance Service 4
Access to emergency assistance while traveling abroad just by one call.

Product Information

Eligible for persons aged 15 days to age 80
unknown pre-existing conditions are existing health conditions that the insured person was not aware of when applying for the policy, such as pre-existing conditions that were diagnosed and treated following the insurance application.
Covers unknown pre-existing conditions and
congenital conditions include congenital diseases that onset or diagnose at 8 years of age or later
congenital diseases
No waiting period level up!
Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the 91st day from the effective date of the policy.
Lifetime guaranteed renewal
If the insurer immigrates to other countries, the premium might be adjusted based on the risk of relocated countries. For details, please contact Bowtie Customer Service at 3008 8123.
Worldwide coverage (including immigration and travel)#
Except for U.S. and non-designated Chinese hospitals
Psychiatric treatments only available in Hong Kong
Monthly payment

Important product information

Product category
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau
Issue age
From 15 days to age 80

Please note that the insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after the insurance application.
  • Health questionnaire
  • Resting electrocardiogram
  • Urinalysis
  • Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen
Period of cover
1 year (lifetime guaranteed annual renewal)
Territorial scope of cover
Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)
Except psychiatric treatment
Waiting period
N/A
There is a waiting period for pre-existing conditions. For details, please refer to the policy provision and key risks.
Renewal
  • Upon renewal, there shall be no re-underwriting. No additional rate of premium loading or case-based exclusions shall be imposed by reason of any change in the Insured Person's health conditions.
  • Upon renewal, we reserve the right to revise Policy Terms and Conditions, including the prevailing standard premium schedule, subject to prior approval by Health Bureau.
Cooling-off period
21 days
Within the cooling-off period, you may cancel the plan and receive a full refund of the premium.
Policy cancellation
You may request cancellation of the plan by giving at least 30 days prior notice.
Tax deduction
Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. For details https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.htm
List of Designated Hospitals in Mainland China
  • 北京和睦家醫院
  • 北京和睦家康復醫院
  • 廣州和睦家醫院
  • 青島和睦家醫院
  • 上海和睦家醫院上海和睦家新城醫院 (浦東)
  • 天津和睦家醫院 
  • 和睦家京北婦兒醫院 
  • 上海新瑞醫療中心
  • 上海瑞鷹門診部
  • 上海瑞新醫療中心
  • 上海瑞浦門診部
  • 上海瑞祥門診部
  • 北京明德醫院
  • 北京新世紀國際兒童醫院
  • 上海和德門診
If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted. For details, please refer to Section 1(b), 1(c) of the Supplement No. 1 and Section 6.4 of the Terms and Conditions.

Key exclusions

Under this plan, Bowtie will not pay any benefit in relation to or arising from the following:
  • Treatments, procedures, medications, tests or services which are not Medically Necessary;
  • Confinement solely for the purpose of diagnostic procedures or allied health services, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient;
  • Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time eat which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth)
  • Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents;
  • Self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae;
  • Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured Person receives the Medical Services within 90 days of the Accident;
  • Correction of visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens;
  • Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
  • Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
  • Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
  • Purchase of durable medical equipment or appliances;
  • Traditional Chinese medicine treatment;
  • Experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received;
  • Congenital Conditions which have manifested or been diagnosed before the Insured Person attained the age of 8;
  • Treatment for Disability arising from war, civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power; or
  • Reimbursements under any law, or medical program or insurance policy provided by any government, company or other third party.
The above list is for reference only. You should refer to the “General Exclusions” section in theTerms and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS registration info

  • Name of VHIS certified plan:
    Bowtie Pink VHIS Plan
  • Available for new application
    F00060-09-000-02 (Ward room - Deductible HK$0)
    F00060-10-000-02 (Ward room - Deductible HK$20,000)
    F00060-11-000-02 (Ward room - Deductible HK$50,000)
    F00060-12-000-02 (Ward room - Deductible HK$80,000)
    F00060-01-000-05 (Semi-Private room - Deductible HK$0)
    F00060-02-000-05 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-05 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-05 (Semi-Private room - Deductible HK$80,000)
    F00060-05-000-05 (Private room - Deductible HK$0)
    F00060-06-000-05 (Private room - Deductible HK$20,000)
    F00060-07-000-05 (Private room - Deductible HK$50,000)
    F00060-08-000-05 (Private room - Deductible HK$80,000)
  • Not available for new application
    F00060-09-000-01 (Ward room - Deductible HK$0)
    F00060-10-000-01 (Ward room - Deductible HK$20,000)
    F00060-11-000-01 (Ward room - Deductible HK$50,000)
    F00060-12-000-01 (Ward room - Deductible HK$80,000)
    F00060-01-000-04 (Semi-Private room - Deductible HK$0)
    F00060-02-000-04 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-04 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-04 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-03 (Semi-Private room - Deductible HK$0)
    F00060-02-000-03 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-03 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-03 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-02 (Semi-Private room - Deductible HK$0)
    F00060-02-000-02 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-02 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-02 (Semi-Private room - Deductible HK$80,000)
    F00060-01-000-01 (Semi-Private room - Deductible HK$0)
    F00060-02-000-01 (Semi-Private room - Deductible HK$20,000)
    F00060-03-000-01 (Semi-Private room - Deductible HK$50,000)
    F00060-04-000-01 (Semi-Private room - Deductible HK$80,000)
    F00060-05-000-03 (Private room - Deductible HK$0)
    F00060-06-000-03 (Private room - Deductible HK$20,000)
    F00060-07-000-03 (Private room - Deductible HK$50,000)
    F00060-08-000-03 (Private room - Deductible HK$80,000)
    F00060-05-000-02 (Private room - Deductible HK$0)
    F00060-06-000-02 (Private room - Deductible HK$20,000)
    F00060-07-000-02 (Private room - Deductible HK$50,000)
    F00060-08-000-02 (Private room - Deductible HK$80,000)
    F00060-05-000-01 (Private room - Deductible HK$0)
    F00060-06-000-01 (Private room - Deductible HK$20,000)
    F00060-07-000-01 (Private room - Deductible HK$50,000)
    F00060-08-000-01 (Private room - Deductible HK$80,000)
  • HIS provider registration no.
    00023
  • Registration effective date:
    21 March 2019
The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.
Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

Upgrades in Bowtie’s VHIS in 2024

Check out what’s new this year!
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Application

Our customer service staff will listen to your concerns, provide detailed explanation of the products, assist with quotations and insurance applications.
About the application procedures →

Filing a Claim

Our claims specialist will follow up on the claim application and progress. We will also provide compensation estimates and arrange cashless settlement services. A hotline for the claim department is set up for your enquiries!
About the claim procedures →

Management of policies

Insurance and claim application progress will be updated via email and online platform. You may view and download all policy documents, benefit balance, claim records and other information at any time on the online platform!

Highly Recognised by Our Customers

20,000+
Bowtie VHIS customers
98.9%
Ratio of approved VHIS claims 8
93%
Customer service satisfaction rating
2021-2022
90%
Successful self-service online application
Need any assistance? Contact customer services →
Have questions about Bowtie's products? Our Product Specialists can assist you!
Providing you with personalized product consultations and commission-free!
Service Hours: 9:30 am to 6:30 pm, Monday to Friday

Closed on Saturdays, Sundays, and Public Holidays
By scheduling a consultation or WhatsApp inquiry, you acknowledge that you have read  Bowtie's Personal Information Collection Statement and agree to the use of your personal data for contact.
For inquiries regarding existing policies, please contact our Customer Service Department:
Hotline: 3008 8123 | Email: cs@bowtie.com.hk | Click “Live Chat” at the bottom right corner
The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.
Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only.
If you see a "+" symbol, you can click on it to view more information.
Remarks
1Full 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, a pre-existing condition, “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.
2 BowtieCash Program applies to Bowtie VHIS plans only. BowtieCash can only be used to pay for eligible medical costs that exceed the VHIS plan coverage and health services redemption. It is not a cash reward program and does not form a part of the Bowtie VHIS plan.
3 Cashless Settlement Service is only available for inpatient treatment. It must be pre-approved by Bowtie. For details of the terms and conditions, please refer to the relevant application form.
4 Worldwide Emergency Assistance Service” does not form part of the Bowtie VHIS Plans and is provided by third party service provider. We reserve the right to change the content of “Worldwide Emergency Assistance Service” and will not be liable for any services provided by third party service provider. No additional premiums are charged for this service.

^BowtieCash Program applies to Bowtie VHIS plans only. BowtieCash can only be used to pay for eligible medical costs that exceed the VHIS plan coverage and health services redemption. It is not a cash reward program and does not form a part of the Bowtie VHIS plan.
# Psychiatric treatments under the Bowtie Pink VHIS Plan is only available in Hong Kong. Bowtie Pink full reimbursement is not applicable in United States and the non designated hospitals in Mainland China. If the Insured Persons plan need to immigrate in future, the premium may be adjusted based on the potential risks of the relocated countries.  For details, please contact Bowtie Customer Service on 3008 8123.
*Terms and Conditions apply