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

Limited time offer

We started accepting change of residency requests without policy termination to all Bowtie individual insurance plans in any countries/ regions except for those subject to sanction restrictions. Please refer to the following blog post for more details. If there are any enquiries,  please contact our customer service team at 3008-8123.

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

Claim
Calculator

Comparing the reimbursement rates of Bowtie VHIS plans

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
Level up!
$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

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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.
Cashless Settlement Service 3
Applicable to all private hospitals in Hong Kong, allowing you to have a worry-free treatment.
NEW 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 Claims Rewards 2
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses.
Cashless Settlement Service 3
Applicable to all private hospitals in Hong Kong, allowing you to have a worry-free treatment.
NEW 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.

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 181st 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
    F00060-09-000-01 (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)
    F00060-05-000-04 (Private room - Deductible HK$0)
    F00060-06-000-04 (Private room - Deductible HK$20,000)
    F00060-07-000-04 (Private room - Deductible HK$50,000)
    F00060-08-000-04 (Private room - Deductible HK$80,000)
  • Not available for new application
    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!
Learn more +

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 →

FAQ

Before applying, do I need to complete a body check?

If the insured person is 66 years old or more, a body check is needed.

The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink. You’ll be charged only if you want to get a medical report.

  • 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 haemoglobin and vii) hepatitis B surface antigen
Is there any medical network for Bowtie Pink?

No, there is no medical network for the Bowtie Pink VHIS Plan, which means you can go to any hospital for treatments and claim eligible medical expenses with Bowtie Pink. Adjustments on the benefit payable may apply to hospitals in the US or hospitals that are not in the List of Designated Hospitals in Mainland China.

Can I apply for more than 1 VHIS series policy?

Yes, Bowtie currently allows each insured person to have:

  • two Bowtie VHIS Standard policies or
  • a Bowtie VHIS (VHIS Standard / Flexi Regular / Flexi Plus) policy and a Bowtie Pink VHIS policy (except for $0 deductible plans)
Does Bowtie VHIS provide coverage overseas?

The plan provides worldwide coverage. But both the Policyholder and the Insured Persons must reside in Hong Kong at the time of application. The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently. (except for places of residence affected by sanctions or war).

An extra loading might be applied to reflect the higher risks of the relocated countries. If you do not accept the premium adjustment, you can choose not to renew your policy. If the Insured Persons go out of town for travel, studying abroad or work temporarily, No extra premium loading will be applied to policies.

The Policyholder and the Insured Persons should contact Bowtie for any address/location updates. For any enquiries, please contact our customer service team at 3008-8123.

If I’m insured with the Bowtie Pink VHIS Plan (Ward Room) or 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? Start from the remaining unclaimed amount, or start from the original medical bill amount?

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.

Can I apply for the same Bowtie Pink VHIS Plan with my family and friends?

No, each VHIS Standard, Flexi, or Pink Plan can only have one policyholder and one insured person. However, policyholders can apply for their eligible family members.

Eligible family members refer to the policyholder's spouse, children, parents, siblings, grandparents, or spouse's siblings, parents and grandparents.

The worldwide coverage of the Bowtie Pink VHIS Plan does not include the US and Mainland China hospitals that are not on the List of Designated Hospitals in Mainland China. If I am hospitalised and receive treatment in the US or a Chinese hospital, which is not on the List of Designated Hospitals in Mainland China, does that mean I am unable to claim the medical expenses from Bowtie?

No. Although the coverage of the Bowtie Pink VHIS Plan does not include the US and Mainland China hospitals not on the List of Designated Hospitals in Mainland China, in this case, we will provide a claim amount not lower than that of the VHIS standard plan for eligible medical expenses because this product is a certified plan under VHIS.

Is there any ward class restriction for the Bowtie Pink VHIS series?

If the insured person is confined in a room of class higher than the designated ward class specified in the Benefit Schedule for any medical services, payable benefits in relation to such days of confinement would be subject to adjustment factors, depending on the ward class in which the insured person is hospitalised in.

Bowtie Pink VHIS Plan (Ward Room):

  • Semi-Private Poom: 50% adjustment factor
  • Standard Private Room: 25% adjustment factor
  • Above Standard Private Room: 25% adjustment factor

Bowtie Pink VHIS Plan (Semi-Private Room):

  • Standard Private Room: 50% adjustment factor
  • Above Standard Private Room: 25% adjustment factor

Bowtie Pink VHIS Plan (Private Room):

  • Above Standard Private Room: 50% adjustment factor
Can the premium of VHIS be used as a tax deduction?

Since 1 April, 2019, taxpayers (must be Hong Kong residents) who paid the premiums of certified VHIS products for themselves or their specified family members are eligible to claim a tax deduction on qualifying premiums up to a limit of HK$8,000 per insured person each year. If you need any tax advice, please consult your tax advisor or visit the website of the Inland Revenue Department.

What is the difference between the VHIS Flexi and VHIS Standard Plans?

The VHIS Flexi Plan is based on the benefit items of the Standard Plan but offers higher protection with higher limits and additional benefits. The Flexi Plan is also under the regulation of the Health Bureau. You can click here to learn more about the differences between Standard and Flexi Plans.

Bowtie Pink VHIS Plan is a type of Flexi Plan that includes deductible options. It allows applicants to enjoy a higher coverage at a lower premium through choosing a suitable deductible.

Do Flexi Plans offer lifetime guaranteed renewal?

All Bowtie VHIS Flexi Plans offer guaranteed lifetime renewal. As long as you pay your premiums on time, you will not lose your protection.

What is day case procedure cash benefit?

If you undergo day case surgery and the expense is covered by the surgeon’s fee benefit, you will also get day case procedure cash benefit. This is applied based on each surgery and the cash benefit is HK$500 for Flexi Regular, HK$800 for Flexi Plus, and HK$800 for Bowtie Pink.

Is there an age limit for a hospital companion bed?

There is no age limit for a hospital companion bed. Only one hospital companion bed is covered.

What are the differences between deductible and co-insurance?

Both deductible and co-insurance are the amounts you need to pay by yourself in the event of a claim. The main difference is the calculation method.

Co-insurance is calculated by a percentage of the medical expense amount of each claim and applied to the corresponding benefit item(s). For example, in the Bowtie VHIS Standard Plan and Flexi Plan, the insured person is required to pay 30% of the medical expenses for the benefit item of prescribed diagnostic imaging tests (i.e. CT Scan), while the insurance company will pay the rest according to the benefit limits in the policy.

A deductible (or excess) is usually calculated per policy year. It’s the amount you need to pay by yourself in the event of claims 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.

For example, when you claim your medical expenses with the Bowtie Pink VHIS Plan (Semi-Private Room) Deductible HK$20,000, you need to pay the medical expenses of HK$20,000 first before you can get any reimbursement.Your deductible of HK$20,000 will be deducted from the claim(s) you make; you can only get reimbursed once the HK$20,000 has all been deducted (meaning that you have already fully paid for the deductible amount).

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).

If I don't have any medical plan, which deductible of Bowtie Pink is a good fit?

For a first-time buyer of medical plans, it’s suggested choosing a medical plan without deductibles such as Bowtie Pink VHIS Plan - Deductible HK$0. Because this minimises the chance of any out-of-pocket payments. If you’re on a tight budget, Bowtie VHIS Standard or Bowtie VHIS Flexi is a better option.

How do I make use of the deductible of Bowtie Pink and my existing medical plan at claim times?

The suggested practice:

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

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

Example: 

Let’s say you have bought the Bowtie Pink - Deductible HK$20,000 and you are hospitalised.

Total eligible medical expenses: HK$40,000
Group medical plan’s benefit limit: HK$30,000

First, you submit a claim with your group medical plan and get a reimbursement of HK$30,000, which will offset Bowtie Pink's deductible of HK$20,000 . Second, your medical expenses balance of HK$10,000 (HK$40,000 − HK$30,000) gets fully covered with Bowtie Pink. After these claims, you pay nothing for your medical expenses.

The above suggestion is for reference only and does not guarantee that there will be no out-of-pocket medical expenses. It’s better to consider the suggestion according to your actual situation and the coverage of your existing medical plans.

Can I change the deductible option after applying for the Bowtie Pink VHIS Plan?

The policyholder of Bowtie Pink VHIS Plan can request to adjust the deductible option on any Renewal Date. If you request to reduce or remove the Deductible, re-underwriting is required.

However, where the policy has satisfied below 2 conditions, 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:

  • Where the Insured Person has been covered under the Policy continuously for 2 consecutive Policy Years;
  • The Insured Person attains the Age of 55, 60, 65, 70, 75 or 80.

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 required Age. Please notes that this right can only be exercised 1 time during the lifetime of the Insured Person.

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.

If you would like to adjust the deductible options, please reach our CS team at 3008 8123.

What should I do if I mistakenly gave an inaccurate answer for an underwriting question?

If you mistakenly gave an inaccurate answer for an underwriting question in your application, please contact us as soon as possible through the following channels to make the correction.

Please note inaccurate information may impact claims results in the future.

How come I did not get an instant quote?

If you are unable to get an instant quote, it doesn’t mean your application is declined. It may be due to one of the following:

  • We’re unable to accept your application due to your current health condition
  • You expressed that you have reservations about the answers you provided to our underwriting and need further assistance
  • We’re now enhancing our underwriting system to re-process your application
  • You selected ‘Other illnesses’ and we need more information from you
  • You’re 65 or more and we’ll need to arrange a body check for you to complete the underwriting

If you provided us with your email address during your application, our customer service team will be in touch to assist with your application.

What should I do if I don’t understand an underwriting question and I’m not sure how to answer it?

You can contact us through the following channels if you have questions about our underwriting or unsure how to answer.

Please note inaccurate information may impact future claims results.

How does the underwriting process work?

Bowtie leverages Hong Kong’s first-of-its-kind fully online medical underwriting system to evaluate applicants’ health conditions instantly. No medical examinations or paper forms are required, and as a result, the application process is shortened from at least three days to as quick as 10 minutes.

Based on the health information you provide, we analyse the severity of your previous illnesses and instantly provide the fairest and most accurate premium rates. Typically, if the applicant is in good health, premiums would be low. 95% of the questions in our underwriting system are multiple choice.

The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink.

  • 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
Change of ownership of the policy

Bowtie shall not reject any application by the policyholder for the transfer of ownership to 

  1. the insured person who has reached the age of 18;
  2. the parent or the guardian of the insured person if the insured person is a minor; or 
  3. any person whose familial relationship with the insured person is accepted by Bowtie according to its prevailing underwriting practices.
What should I do if during the claims process, I discover that the insured person forgot to declare pre-existing illnesses?

In this case, you need to redo the underwriting process. If the declared health condition impacts the risk assessment outcome, new exclusions may be added to your policy, your premiums may be adjusted or your policy may be cancelled.

Will my renewal premiums increase because I made claims? Will my renewal be denied due to the claims?

Annual renewal premiums are adjusted according to age. We do not increase premiums for individual policyholders because of the number of claims they made, their claim amounts or their health conditions.

In addition, the VHIS Standard Plan guarantees renewal up to age 100 and the VHIS Flexi Plan (including Bowtie Pink VHIS Plan) guarantees lifetime renewal. We will not reject your renewal request due to your claim history or health condition.

How do I make a claim?

You can request a claim estimate or submit a claim directly on our website. After you have submitted a claim, Bowtie will assign a claims specialist to assist you throughout the claims process and follow up with you. If you have any questions about your claims, you can also call our customer service hotline at 3001 5670 or email us at cs@bowtie.com.hk

I have medical insurance policies from two different insurance companies, which one should I submit a claim to first?

It’s completely up to you which insurer you wish to submit a claim to first. If you need to submit a claim to more than one insurer, you will need to include the claims details provided by the first insurance company along with the required documents in your claims submission to the second insurer, as well as the true copy or certified copy of the medical bills.

Have questions about Bowtie's products?
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For existing policy queries, reach out to Customer Service:
Hotline: 3008 8123 Email: cs@bowtie.com.hk
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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.
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Remarks
1The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. 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.
2 The No Claim Rewards Program of BowtieCash applies to Bowtie VHIS customers only. It is not a cash reward program and does not form a part of the Bowtie VHIS plan. The relevant content is governed by the terms and conditions apply.
3 Cashless Settlement Service is only available for inpatient treatment and must be pre-approved by Bowtie. For details of the terms and conditions, please refer to the relevant website.
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.

# 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