If I’m insured with the Bowtie Pink VHIS Plan (Semi-Private Room) but I’m arranged to stay in a private room or higher, would Bowtie make adjustments on such payable benefits?

If there is an unavailability of accommodation at the designated ward class due to ward or room shortage for Emergency Treatment, isolation reasons requiring Confinement in a higher ward class, or for any other reasons not involving the Policyholder’s and/or the Insured Person’s personal preference, Bowtie would not make adjustments on such payable benefits.

If I have already claimed from other personal medical insurance or group medical insurance, how would the deductible of the Bowtie Pink VHIS Plan be calculated?

Whether you have claimed from other insurance policies or not, the deductible of the Bowtie Pink VHIS Plan will be calculated from the original medical bill amount. In other words, you can use the reimbursed amount from other insurance policies to pay for the deductible of the Bowtie Pink VHIS Plan.

Is the deductible of Bowtie Pink counted per surgery/illness, per claim or year?

The deductible of Bowtie Pink is counted per policy year. For example, your policy year starts from 1 December 2021 (policy effective date) to 30 November 2022. The deductible will be reset on the renewal date (1 December of every year).

Bowtie Pink VHIS Plan

Name: Bowtie Pink High-end VHIS Plan
Brand: Bowtie
Rating: 4.5 (151 reviews)



Features Deductible Benefit table Product information FAQ Need help?

Quote Now

Product brochure

1-minute underwriting test

Limited Offer

Before you buy, why not hear from our product lead?

Affordable coverage — for the long term

Save an average of 36% on premiums¹
Great value for 30 years

1 Based on Bowtie's market research on 17 March 2026, comparing seven high-end VHIS plans available online that offer full reimbursement, semi-private room cover, a $0 deductible and the same geographical coverage. Bowtie Pink had lower total premiums for non-smoking males aged 35 to 65, calculated using the average of total premiums. The premiums above have been rounded. Coverage and benefit amounts vary between medical insurance plans; please refer to the relevant policies and their terms and conditions. These premium calculations are for reference only. The actual premium payable is affected by factors including time, inflation and underwriting, and is subject to the levy collected by the Insurance Authority.

Straightforward claims — we won't use fine print to reject your claim⁺

98.3% claims approval rate, ahead of the industry^{^}

What makes our claims service work so well?

One-to-one support from a Claims Specialist

Support until 3am. Median claims assessment time: 6 working days³

Service hours: Monday to Friday, 9:30am to 3am the following day
(excluding public holidays)

24-hour worldwide emergency assistance⁴ ↗

Cover when you travel or move abroad, subject to policy terms⁵

Cashless discharge⁶ ↗

‍Available at all private hospitals in Hong Kong

Warren

Product Specialist

什麼是自願醫保 (PINK)？問 AI

診斷

Hospitalisation

手術

癌症 治療

Full reimbursement
for eligible medical expenses²

Annual benefit limit: up to $20 million (resets each policy year)
Lifetime benefit limit: up to $80 million

No itemised benefit limits, with full reimbursement² for eligible medical expenses including diagnosis, hospitalisation, surgery and prescribed non-surgical cancer treatments, so you can worry less about shortfalls! Deductibles, annual and lifetime benefit limits, and policy terms apply.

呢個計劃係咪包晒所有手術？問 AI

What is VHIS Pink? Ask AI

What is a deductible? How does it work?

A deductible is the amount of eligible medical expenses you are responsible for before your insurer pays. The insurer reimburses the remaining eligible expenses subject to the plan's benefit limits and terms. Bowtie Pink's deductible applies per policy year.

How do I choose a deductible?

Learn more

Choose the right deductible for lower premiums

Choose from four deductible options based on your budget and existing medical coverage. The higher the deductible, the lower the premium.

Which room type would you prefer?

Ward Semi-private Private

Group medical

Deductible

Premium

$909

$702

$1,400

/month

💡 On a limited budget? Consider Bowtie Flexi Plan, with monthly premiums from $254.

Yes

group medical
room and board coverage

Less than

$1,500

$600

$4,300

$475

$347

$1,125

/month

💡 Not sure what your group medical insurance covers? Consider a $20k deductible to reduce the amount you need to cover yourself.

group medical
room and board coverage

$1,500 – $1,800

$600 - $800

$4,300 – $5,300

$363

$238

$661

/month

group medical
room and board coverage

More than

$1,800

$800

$5,300

$312

$213

$580

/month

*The deductible recommendations above are for reference only and do not guarantee that you will have no out-of-pocket medical expenses. The room and board expense references are based on the market medians published in the Hong Kong Federation of Insurers' 2019 medical expenses survey ($4,129 per day for a private room and $1,424 per day for a semi-private room), projected to 2022 using an annual medical inflation rate of 5%. The reference range is 10% above and below the median. The premiums above use a 30-year-old non-smoker with a $80,000 deductible as an example.

Should I claim from my group medical insurance or Bowtie Pink first?



Suggested practice:

Submit the initial claim with your existing medical plan that has no deductibles (i.e. your company’s group medical plan/ personal medical plan)
Submit a claim for the remaining expenses with Bowtie Pink

The benefit is that you can use the reimbursements from the existing medical plan to offset Bowtie Pink’s deductible to reduce any out-of-pocket payments.

How will I cover the deductible when my group medical insurance ends at retirement?



Each Bowtie Pink VHIS policyholder can exercise a one-off right to reduce or remove the deductible, without re-underwriting and providing further evidence of the insurability of the insured.

Starting from 30 April 2023, where the Insured Person has been covered under the Policy continuously for 2 consecutive Policy Years. Subject to the Deductible options available at that time, the policyholder can request to exercise such right, made not less than 30 days prior to the Renewal Date on or immediately following the date that the Insured Person attains the Age of 55, 60, 65, 70, 75 or 80.

In any case, after the change of Deductible, the premiums of the Policy willbe adjusted according to the prevailing Standard Premium schedule and the relevant Terms. For details, please refer to the policy terms and conditions Supplement No. 1.

💡

Still unsure which deductible to choose?
Call 3008 8123 for help from a Customer Service Specialist.

咩叫自付費？應該點揀先啱？問 AI

計劃包唔包手術或者住院？問 AI

Full reimbursement for eligible medical expenses²

Full reimbursement for eligible hospital, surgical and treatment expenses

💯 Full reimbursement of eligible expenses²

Diagnosis and tests

CT, MRI and PET scans (prescribed diagnostic imaging tests) 💯
Outpatient or emergency consultations before hospitalisation or day surgery (excluding routine consultations for colds and flu)
Emergency outpatient treatment for accidents
Complimentary BowtieGo membership: unlimited outpatient visits at up to 50% off⁷

Hospitalisation

Room and board 💯
Attending doctor's visit fees 💯
Specialist's fees 💯
Targeted therapy, chemotherapy, radiotherapy and proton therapy, among others (non-surgical cancer treatments) 💯
Psychiatric treatment 💯
Companion bed charges 💯
Intensive care (ICU) 💯
Miscellaneous hospital charges 💯

日間手術 如內窺鏡檢查、白內障手術

Day surgery / inpatient surgery

Surgeon's fees 💯
Anaesthetist's fees 💯
Operating theatre charges 💯
Day surgery cash benefit

Follow-up care

Follow-up consultations after discharge or surgery (including specialist consultations and physiotherapy) 💯
Dialysis (outpatient kidney dialysis) 💯
Rehabilitative care
Daily home nursing charges after discharge

💡

No need to add Cancer Fighter!
Bowtie Pink already provides full reimbursement for eligible cancer-related hospitalisation, surgery and non-surgical treatments (such as radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy).

Real claim examples, comprehensive coverage of illnesses

Below are 10 common claim examples, covering illnesses and medical expenses of varying severity.You can use them to compare the reimbursement rates of different plansand choose the Bowtie Voluntary Health Insurance Scheme (VHIS) plan that best fits your needs and budget.

Other than price, what makes them different? Ask AI

Upgrade options for semi-private and private rooms

Recommended room class

Basic benefit limit

Full reimbursement

Deductible options

Premium

Based on a 30-year-old non-smoking male

Bowtie Pink (Ward)

Bowtie Pink (Semi-private)

Bowtie Pink (Private)

Ward (usually 4 to 8 people per room)

Semi-private room (1 to 3 people per room, with more privacy)

Private room (a room of your own for maximum privacy)

$8,000,000 per policy year
$40,000,000 per lifetime

$10,000,000 per policy year
$50,000,000 per lifetime

$20,000,000 per policy year
$80,000,000 per lifetime

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

From $213/month

From $312/month

From $580/month

Want to explore other VHIS plans?

All Bowtie plans ↗Compare with other insurers ↗ (Chinese only)

除咗價錢之外，仲有咩唔同嘅地方？問 AI

Rated 4.6 ⭐ on Google by our customers

Why You Can Trust Bowtie

Total Customers

150,000+

FT High-Growth Companies Asia-Pacific 2026#

直銷保單數目 No.1 2025
第一季, 2024-2021

Gabriel Kung, Chief Commercial Officer
‍

Total Funding Raised

HK$1.2 Billion

直銷保單數目 No.1 2025
第一季, 2024-2021

Michael Chan, CEO & Co-Founder of Bowtie
Clement Lam, CEO of Sun Life Hong Kong Limited and Non-Executive Director of Bowtie
Fred Ngan, Co-Founder of Bowtie(from left to right)

5 Consecutive Years of Hong Kong Sales Leadership

No.1

No.1 in Number of Direct Business Policies 2021–2025*

直銷保單數目 No.1 2025
第一季, 2024-2021

John Tsang, Senior Advisor

#Based on the “FT High-Growth Companies Asia-Pacific” rankings jointly compiled by the Financial Times and Statista for 2 consecutive years (2025 and 2026), where Bowtie ranked No.1 among shortlisted Hong Kong companies in revenue growth.
*According to the provisional statistics on long term insurance business released by the Insurance Authority, Bowtie Life Insurance ranked the highest among all virtual insurers in Hong Kong in terms of number of new policies sold through direct marketing channels from 2021 to 2025 annually.

Medical insurance with extra health benefits

Earn 8% in BowtieCash after 6 months without a claim
Use it towards eligible medical costs your plan doesn't fully cover⁸

Learn more →

Automatic coverage upgrades for 7 consecutive years

Learn more →

Jacky

Chief Medical Officer

Unlimited outpatient visits
at up to 50% off

Learn more →

John Tsang

Senior Adviser

Before you apply

Coverage includes

未知已有疾病 即受保人在投保時，已存在而當時未有為意的健康狀況，例如投保後才確診的已有病症並接受治療。

先天性疾病 可保障年滿 8 歲或以後出現或確診的先天性疾病

at the time of application, and

No waiting period. Level Up!

Unknown pre-existing conditions are subject to a waiting period.
From day 91 after the policy takes effect, the reimbursement percentage is 100%, subject to the plan's benefit limits and terms.

Policy terms explained →

Guaranteed lifetime renewal

保障全球適用 指若受保人要移民，保費或會按日後移居地區的潛在風險而調整。有關詳情，請致電 3008 8123 聯絡 Bowtie 客戶服務部

Full reimbursement excludes treatment in the United States and at non-designated hospitals in Mainland China.
Psychiatric treatment is covered in Hong Kong only.

Monthly payments

Have an existing medical condition? Answer a few questions for an initial indication of whether we can cover you. The check covers 39 common conditions.

Take the underwriting test →

These results are a guide only. Our final underwriting decision depends on your full health declaration.

Download product documents

Product Brochure (Chinese only)

Premium Schedule – Bowtie Pink (Ward)

Premium Schedule – Bowtie Pink (Private)

Premium Schedule – Bowtie Pink (Semi-private)

Terms and Conditions

Supplement No. 1-3

Key Risks and Policy Exclusions

Benefit schedule (including the schedule of surgical procedures):
Ward

Benefit schedule (including the schedule of surgical procedures):
Semi-private room

Benefit schedule (including the schedule of surgical procedures):
Private room

Renewal

There will be no re-underwriting at renewal, nor will changes in the insured person's health lead to an increase in the loading rate or additional case-based exclusions.
At renewal, we reserve the right to amend the policy terms and conditions, including the prevailing premium schedule, subject to prior approval from the Health Bureau.

Policy cancellation

Please give us at least 30 working days' notice to cancel the policy.

Policy cooling-off period

A 21-day cooling-off period applies. Cancelling within this period entitles you to a full refund of premiums paid.

Tax deduction

Premiums qualify for a tax deduction of up to $8000. Please refer to the official VHIS website for details

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 details

Name of VHIS certified plan:
Bowtie Pink VHIS Plan
Available for new application
F00060-09-000-04 (Ward room - Deductible HK$0)
F00060-10-000-04 (Ward room - Deductible HK$20,000)
F00060-11-000-04 (Ward room - Deductible HK$50,000)
F00060-12-000-04 (Ward room - Deductible HK$80,000)
F00060-01-000-07 (Semi-Private room - Deductible HK$0)
F00060-02-000-07 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-07 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-07 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-07 (Private room - Deductible HK$0)
F00060-06-000-07 (Private room - Deductible HK$20,000)
F00060-07-000-07 (Private room - Deductible HK$50,000)
F00060-08-000-07 (Private room - Deductible HK$80,000)
Not available for new application
F00060-09-000-03 (Ward room - Deductible HK$0)
F00060-10-000-03 (Ward room - Deductible HK$20,000)
F00060-11-000-03 (Ward room - Deductible HK$50,000)
F00060-12-000-03 (Ward room - Deductible HK$80,000)
F00060-01-000-06 (Semi-Private room - Deductible HK$0)
F00060-02-000-06 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-06 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-06 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-06 (Private room - Deductible HK$0)
F00060-06-000-06 (Private room - Deductible HK$20,000)
F00060-07-000-06 (Private room - Deductible HK$50,000)
F00060-08-000-06 (Private room - Deductible HK$80,000)
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)
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

產品文件下載

保單條款及細則

第一至第三補充文件

產品風險及主要不保事項

Benefit schedule (including the schedule of surgical procedures):
Ward

Benefit schedule (including the schedule of surgical procedures):
Semi-private room

Benefit schedule (including the schedule of surgical procedures):
Private room

Limited-time Top up at only HK$140/month
Enjoy Annual Health Check-up Package and Optional Items

(Valued up to HK$4,220)

Gleneagles CUHKMC

Hong Kong Island

Learn more →

A. Core Health Check-up (Valued up to HK$2,720)



^#Items only applicable to persons aged 18 or above

Items

Detailed Medical History
(Includes lifestyle factors & family medical history)

General Health Assessment

Blood Pressure, Height, Weight
BMI and Waist Circumference

Eye Examinations

Visual Acuity
Color Vision

Cardiac Examinations^#

Electrocardiogram (ECG)

Blood Analysis^#

Complete Blood Count

Renal Function^#

Urea
Creatinine

Liver Function^#

S.G.O.T. (AST)
S.G.P.T. (ALT)
Alkaline Phosphatase

Diabetes Screening^#

Glucose (Fasting)

Lipid Profile^#

Total Cholesterol
HDL Cholesterol
LDL Cholesterol
Triglycerides

Urine Routine Examination

Urine Routine

Stool Test

Occult Blood (Aged 18 or above)

Stool Routine (Ova and Cysts) (Aged under 18)

Tumour Markers^#

PSA (Male)
CA15.3 (Female)

Medical Consultation and Report Analysis

B. Optional Healthcare / Medical Services (Valued at HK$1,500)



Entitled to 1,500 BowtiePoint (valued at HK$1,500) each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up.

Items

=BowtiePoint required

The following Optional Health Check Items must be used with the 18+ Health Screening Package.

Liver Function (Extended Profile)

1,500

HAVAb

HBsAg

HBsAb

Total Protein

Globulin

Albumin

Total Bilirubin

Direct Bilirubin

Gamma GT

Thyroid Function

500

TSH

Free T4

Electrolytes 1

300

Sodium

Potassium

Chloride

Electrolytes 2

500

Total Calcium

Corrected Calcium

Phosphorus

Tumour Markers Panel

1,500

Alpha Fetoprotein (AFP)

Carcinoembryonic Antigen (CEA)

Epstein-Barr Virus

Other Tumour Markers

600

CA125 (Female)

Liquid Based Pap Test (Female) (Doctor fee included)

500

Diabetes Screening

300

HbA1c

The following Optional Health Check Items can be used separately from a Health Screening Package.

GP Consultation — no age limitation

500

GP consultation in Gleneagles Medical Clinic Central, Hong Kong (including 3-day basic medication)

Professional Nutrition Consultation (2 sessions) — aged 12 or above

900

Registered dietitian review of past medical history, eating habits & nutritional needs

~45-min 1-on-1 professional nutrition consultation

Bioelectrical Impedance Analysis (BIA) body composition (body fat %, visceral fat, muscle mass, basal metabolic rate)

Individualised diet advice

Vision Care — aged 4 or above

300

Case history

Visual acuity

Refraction

Binocular vision

Color vision

Intra-ocular pressure

Fundus photo taking OR cycloplegic refraction (either one, depending on individual case)

Eye-care information

Follow-up plan suggestion

Get 1) an HK$500 Cash Benefit1 and 2) Full Cover2 (applicable to Flexi Plan customers only) for the [249] designated “All-inclusive Fixed Price Medical Packages”^ and “Histotripsy treatment - Liver cancer treatment package” of GHK.

The designated “All-inclusive Fixed Price Medical Packages” cover [11] specialties including General Surgery, Cardiology / Cardiothoracic Procedures, Gynecology, Ophthalmology, Orthopedics, Ear, Nose & Throat (ENT), etc., as well as Endoscopy. Each package includes the doctors’ fees, room charges and all other procedure-related standard items and drugs. The costs related to complications are also covered (including intensive care and re-operation charges).

💡 Bowtie Pink already fully covers the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark 
^ The Insured Person must agree to, and be bound by, the terms and conditions set by GHK for the relevant services and packages, as well as GHK's other applicable service terms and conditions, when redeeming Optional Health Check Items at GHK, or when using health check-related services or Designated Medical Packages. 
¹ Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
² Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person’s VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to GHK directly for all the fees that have not been pre-approved by Bowtie before discharge.

Cashless settlement for all designated medical packages can be processed without needing you to submit any pre-approval application³.

By presenting the page after logging into the Bowtie online platform that indicates your rider during a pre-surgery medical consultation, the hospital will directly submit a pre-approval application in respect of the designated medical package(s) to Bowtie on your behalf. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
³GHK will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

New Territories

Learn more →

A. Core Health Check-up (Valued up to HK$1,910)



Items only applicable to persons aged 18 or above

Items

Physical Examination

Blood Pressure, Height, Body Weight, Body Mass Index (BMI), Waistline

Medical Consultation and Examination by a Family Physician

Urinalysis

Urine Routine

Coronary Artery Disease Risk Assessment

Lipid Profile
Total Cholesterol
High-density Lipoprotein & Low-density Lipoprotein Cholesterol
Non-high-density Lipoprotein Cholesterol
Triglycerides
Total Cholesterol / HDL ratio

Diabetes Assessment

Fasting Blood Sugar

Liver Function Test

Aspartate Aminotransferase (AST/SGOT)
Gamma-glutamyl Transferase (GGT)

Renal Function Test

Creatinine

Gout Screening

Uric Acid

Report Explanation by Family Physician

B. Optional Healthcare / Medical Services (Valued at HK$1,500)



Entitled to 1,500 BowtiePoint (valued at HK$1,500) each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up. Optional Health Check Items must be used in conjunction with the Core Health Check-up.
Items only applicable to persons aged 18 or above

Items

=BowtiePoint required

C-Urea Breath Test

800

Hep A Antibody (IGG)

+ HBsAg

+ HBsAb

700

Rest ECG

600

Cancer Antigen-125 (For Ovarian Cancer)

700

Prostate Specific Antigen, PSA (For Prostate Cancer)

600

Pap Smear

600

Carcinoembryonic Antigen, CEA

(For Lung Cancer, Gastric Cancer, Colorectal Cancer, Ovarian Cancer, Breast Cancer, etc)

700

Vitamin D (Bone Function Test)

700

Thyroid-stimulating Hormone, TSH

(For Thyroid Function)

500

Glycated Hemoglobin, HbA1C

(For Diabetes)

400

AFP - alpha fetoprotein

(Liver cancer)

500

Chest X Ray

300

Chlorides

(Renal Function Test)

200

Sodium

(Renal Function Test)

200

Potassium

(Renal Function Test)

200

Fecal Occult Blood Test, FOBT

(For Colorectal Cancer)

200

Bone Density Test (DEXA)

- Spine & Hips

(Bone Function Test)

1,000

EBV DNA

(For Nasopharyngeal Carcinoma)

800

Pap Smear

+ HR-HPV DNA

1,300

Stool

(Routine Test)

200

Breast Ultrasound

1,500

2D Mammogram

1,500

Get 1) an additional HK$500 Cash Benefit¹ and 2) Full Cover² (applicable to Flexi Plan customers only) for the designated [139] day procedure and [228] inpatient operation/procedure packages named “CUHKMC Medical Packages” (CMP).
‍
‍The designated “CUHKMC Medical Packages”^ cover [7] specialties, including General Surgery, Gynecology, Ophthalmology, Orthopedics, and endoscopy procedures. Each package includes all doctors’ fees and all hospital charges for procedure-related standard items and drugs, which also cover expenses over complications and intensive care arising from the operation/procedure.

💡Bowtie Pink already fully covers the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark
^The Insured Person must agree to, and be bound by, the terms and conditions set by CUHK Medical Centre for the relevant services and packages, as well as CUHK Medical Centre's other applicable service terms and conditions, when redeeming Optional Health Check Items at CUHK Medical Centre, or when using health check-related services or Designated Medical Packages.
1 Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
² Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person's VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to CUHK Medical Centre directly for all the fees that have not been pre-approved by Bowtie before discharge.

Cashless settlement for all designated surgery/procedure packages can be processed without needing you to submit any pre-approval application³.

By presenting the post-login page of the Bowtie online platform to show that you hold this Wellness Package during a pre-surgery medical consultation at CUHK Medical Centre, the hospital will directly submit a pre-approval application to Bowtie on your behalf for the Designated Medical Package(s) you have selected. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
³CUHK Medical Centre will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

FAQ

Talk to a real person

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

Book now

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.

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

¹ Based on Bowtie's market survey conducted on 17 March 2026, comparing seven high-end VHIS plans on the market that are available online and offer full reimbursement, semi-private room cover, a $0 deductible option and the same geographical coverage. Bowtie Pink had lower total premiums for non-smoking males aged 35 to 65, calculated using the average of total premiums. The premiums above have been rounded. Different medical insurance plans offer different coverage and benefit amounts. Please refer to the relevant policies and their terms and conditions for details. These premium calculations are for reference only. Your actual premium is affected by time, inflation, underwriting and other factors, and the premium levy collected by the Insurance Authority must be added.
² Full reimbursement means there are no itemised benefit limits, and applies to designated benefit items only. Benefits payable are subject to the remaining deductible (if applicable), the annual benefit limit, the lifetime benefit limit and other limitations, including reasonable and customary charges, the list of designated hospitals in Mainland China and treatment received in the United States. For detailed product terms and conditions, product risks and exclusions, please refer to the relevant product website and the policy.
^ Based on publicly available information, as of April 2025, the average approval rate for claims under Bowtie VHIS Standard Plan, Flexi Plan (Regular), Flexi Plan (Plus) and Bowtie Pink was 98.3%, higher than the VHIS market's annual average claims approval rate from April 2019 to the end of 2023.
⁺ Bowtie follows the principle of paying all claims that should be paid. All claims remain subject to the policy terms and conditions, including coverage, reasonable and customary charges, and disclosure requirements.
³ From December 2024 to November 2025, the median assessment time for Bowtie VHIS claims was 6 working days. Actual claim outcomes and processing times depend on individual circumstances, health conditions and the documents submitted.
⁴ Worldwide emergency assistance services do not form part of Bowtie VHIS and are provided by a third-party service provider. We reserve the right to change these services and accept no liability for services provided by the third-party provider. No additional premium is required for these services.
⁵ Bowtie Pink provides worldwide coverage, but full reimbursement does not apply in the United States or at non-designated hospitals in Mainland China. Psychiatric treatment is covered in Hong Kong only. If the insured person emigrates, we will assess the application and respond as soon as possible. Premiums may be adjusted according to the potential risks of their future place of residence. For details, please contact Bowtie Customer Service on 3008 8123.
⁶ The cashless service applies to inpatient treatment only and requires prior approval from Bowtie. For the service terms and conditions, please refer to the relevant application form.
⁷ BowtieGo is a wellness membership plan managed by Bowtie Life Insurance Company Limited. Its outpatient services are not an insurance product.
⁸ The BowtieCash customer rewards programme is a benefit available only with Bowtie VHIS. It may only be used to pay eligible medical expenses exceeding the amount reimbursed under Bowtie VHIS and to redeem health check-ups. It is not a cash rewards programme and does not form part of Bowtie VHIS.

Bowtie Pink VHIS Plan

Before you buy, why not hear from our product lead?

Save an average of 36% on premiums1Great value for 30 years

98.3% claims approval rate, ahead of the industry^

Full reimbursementfor eligible medical expenses2

What is a deductible? How does it work?

Choose the right deductible for lower premiums

Full reimbursement for eligible hospital, surgical and treatment expenses

Real claim examples, comprehensive coverage of illnesses

Upgrade options for semi-private and private rooms

Rated 4.6 ⭐ on Google by our customers

Medical insurance with extra health benefits

Before you apply

Download product documents

Renewal

Policy cancellation

Policy cooling-off period

Tax deduction

Key exclusions

Bowtie VHIS registration details

產品文件下載

Limited-time Top up at only HK$140/monthEnjoy Annual Health Check-up Package and Optional Items

FAQ

Talk to a real person

Not sure which product is right for you?

Product & policy service enquiries

Save an average of 36% on premiums¹
Great value for 30 years

98.3% claims approval rate, ahead of the industry^{^}

Full reimbursement
for eligible medical expenses²

Limited-time Top up at only HK$140/month
Enjoy Annual Health Check-up Package and Optional Items