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Which Bowtie VHIS plan is a fit for you?

Upgraded coverage level up!

Most economical

Standard Plan

#ActuaryCommentary It’s a standardised plan approved by the Food and Health Bureau, for budget buyers to cover basic medical expenses
Standard room
Basic protection
Monthly Premium*
$147
Apply now
Great value for money

Flexi Regular level up!

#ActuaryCommentary An enhanced plan that covers medical cost up to 90%1, good for first-time buyers
Standard room
Extra coverage: $120,000
11 more benefit items
Monthly Premium*
$235
Apply now
Generous protection

Flexi Plus level up!

#ActuaryCommentary This plan takes coverage to the next level for first-time buyers who prefer a semi-private room
Semi-private room
Extra coverage: $220,000
11 more benefit items
Monthly Premium*
$421
Apply now
Best for top-up

Bowtie Pink (Semi-Private Room)

#ActuaryCommentary A plan with deductibles to save on premium, designed for peace-of-mind seekers who need a top-up medical plan
Semi-private room
Full coverage2
Deductible options
Monthly Premium*
$286
Apply now
Experience first

Bowtie Pink (Private Room)

#ActuaryCommentary Bowtie's top VHIS plan for people who need great service and environment
Private room
Full coverage2
Deductible options
Monthly Premium*
$500
Apply now
* The above premium is based on a 35-year-old non-smoker. The default deductible option chosen for Bowtie Pink is HK$80,000.
1 As of March 2021, the reimbursement ratio of Bowtie VHIS Flexi Regular is 88%.
2 The 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 subject to annual benefit limits and lifetime benefit limits. If the claim involves a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" or confinement in a room higher than the designated ward class or 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.

Comparison table

Tooltips are given by actuaries, doctors, and claims specialists

Summary
Room suggested
Standard room
Semi-private room
Private room
Annual benefit limit
$420,000/year
$600,000/year
$1,000,000/year
$10,000,000/year
Lifetime benefit limit
$50,000,000
Supplementary Major Medical (SMM)
When medical expenses exceed the sub-limits, SMM can help cover the exceeding amount.
$120,000/year
Subject to 20% Coinsurance; only applicable for benefit items with the symbol  
$220,000/year
Subject to 20% Coinsurance; only applicable for benefit items with the symbol
N/A
This plan provides full coverage for most items so there's no need for SMM.
Benefits items with full coverage
Deductible
It's the out-of-pocket payment that you need to pay first when making a claim. Your plan will cover the rest and is subject to benefit limits.
Deductible options:
$0/ $20,000/ $50,000/ $80,000 per year
Basic coverage
This includes general medical expenses such as diagnosis, hospitalisation, surgery or other treatments if you are admitted to the hospital.
Room and board
$750/day
Max. 180 days
$1,200/day level up!
$2,300/day level up!
#BowtieActuarialExperts
The increased coverage amount allows you to choose between a semi-private ward with a higher level of privacy or the service of a standard ward with higher rates.
Full coverage
Miscellaneous charges
$14,000/year
$18,000/year level up!
$26,000/year level up!
Full coverage
Attending doctor’s visit fee
$750/day
Max. 180 days
$960/day
$2,000/day
Full coverage
Specialist's fee(2)
$4,300/year
$4,300/year
$6,450/year
Full coverage
Intensive care
$3,500/day
Max. 25 days
$3,500/day
Max. 60 days
$5,500/day
Max. 60 days
Full coverage
Surgeon's fee
Complex
Major
Intermediate
Minor
Complex: $50,000/surgery
Major: $25,000/surgery
Intermediate: $12,500/surgery
Minor: $5,000/surgery
Complex: $60,000/surgery level up!
Major: $30,000/surgery level up!
Intermediate: $15,000/surgery level up!
Minor: $6,000/surgery level up!
Complex: $90,000/surgery level up!
Major: $45,000/surgery level up!
Intermediate: $22,500/surgery level up!
Minor: $9,000/surgery level up!
Full coverage
Anaesthetist's fee
Complex
Major
Intermediate
Minor
35% of Surgeon's fee(3)
Complex: $21,000/surgery level up!
Major: $10,500/surgery level up!
Intermediate: $5,300/surgery level up!
Minor: $2,100/surgery level up!
Complex: $31,500/surgery level up!
Major: $15,800/surgery level up!
Intermediate: $7,900/surgery level up!
Minor: $3,200/surgery level up!
Full coverage
Operating theatre charges
Complex
Major
Intermediate
Minor
35% of Surgeon's fee (3)
Complex: $21,000/surgery level up!
Major: $10,500/surgery level up!
Intermediate: $5,300/surgery level up!
Minor: $2,100/surgery level up!
Complex: $31,500/surgery level up!
Major: $15,800/surgery level up!
Intermediate: $7,900/surgery level up!
Minor: $3,200/surgery level up!
Full coverage
Prescribed diagnostic imaging tests(2)
Included: CT Scan, MRI Scan, PET Scan, PET-CT combo, PET–MRI combo
$26,000/year
#BowtieActuarialExperts
The Standard Plan coverage of $20,000 is sufficient for only one prescribed diagnostic imaging test, e.g. 1 “PET” (Positron Emission Tomography) scan at a cost of up to $18,000. We consider two prescribed diagnostic imaging tests per year to be a reasonable frequency and use this number as the basis for the estimation of the Flexi Plan (Regular) coverage.
$40,000/year
#BowtieActuarialExperts
We estimate the amount of coverage under the Flexi Plan (Plus) based on cancer cases. According to the survey, the average cost of each prescribed diagnostic imaging test is $14,000. With a 30% deductible, the coverage amount can cover 4 tests per year.
Full coverage
Prescribed non-surgical cancer treatments
Included: Radiotherapy, Chemotherapy, Targeted therapy, Immunotherapy, Hormonal therapy
$80,000/year
$160,000/year
#BowtieActuarialExperts
The coverage is designed for cancer cases. It may not fully cover all treatment expenses, but it can greatly reduce the financial burden of patients.
Full coverage
Pre- and post-confinement / Day case procedure outpatient care (2)
$580/visit
$3,000/year; 1 time before and 3 times after(4)
$900/visit level up!
$3,000/year; 2 time before and 3 times after level up!(5)
$1,300/visit level up!
$6,400/year; 2 time before and 3 times after level up!(5)
Full coverage
1 time before and 3 times after(4)
Psychiatric treatments (2)
$30,000/year
$37,500/year
#BowtieActuarialExperts
The coverage amount is aligned to the market.
Full coverage
Additional coverage(6)
Benefit items that are involved after discharge from hospital, during rehabilitative care, or other special situations.
Accident emergency outpatient treatments
$8,000/year
#BowtieActuarialExperts
We estimate that the cost of each emergency treatment (e.g. stitches, x-rays, and casts) is around $3,000-$4,000. Referring to thousands of claim statistics over a 5-year period, only less than 0.1% of the insured had more than 1 accident claim within one year. We take 2 annual outpatient visits for accidents as the basis of estimation. The insured need not worry about a complete loss of coverage in case of only 1 accident.
Full coverage
Outpatient kidney dialysis(2)
$50,000/year
#BowtieMedicalExperts
Acute renal failure is common among elderly patients. The coverage is sufficient to pay for the dialysis treatment 3 times a week for a period of 1 month.
$100,000/year
#BowtieActuarialExperts
The coverage amount is aligned to the market.
Full coverage
Post-confinement / Day case procedure daily home nursing(2)
$500/day
within 180 days after discharge from hospital
#BowtieActuarialExperts
The daily care services limit up to 180 days after discharge is the longest in the market.
$800/day
within 180 days after discharge from hospital
#BowtieActuarialExperts
The coverage amount generally can cover 8 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.
$1,600/day
within 180 days after discharge from hospital or completion of day case procedure
#BowtieActuarialExperts
The coverage amount generally can cover 16 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.
$2,000/day
within 180 days after discharge from hospital or completion of day case procedure
#BowtieActuarialExperts
The coverage amount generally can cover 20 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.
Rehabilitative care(2)
$750/day
$10,000/year, within 90 days after discharge from hospital
$1,500/day
$20,000/year, within 90 days after discharge from hospital
$2,500/day
$34,000/year, within 90 days after discharge from hospital
$3,000/day
$40,000/year, within 90 days after discharge from hospital
Hospital companion bed
$350/day
#BowtieActuarialExperts
According to our survey, the cost of a standard ward with a companion bed in a private hospital in Hong Kong ranges from $180 to $380 per night, and the cost of one companion bed is already included for some children's ward rentals. The coverage amount is aligned to the market.
$800/day
Full coverage
Hospice and palliative care benefit(2)
$20,000/year
$40,000/year
$100,000/year
$120,000/year
Others(5)
Day case procedure cash benefit
$800/surgery level up!
#BowtieActuarialExperts
The coverage amount is aligned to the market.
$1,300/surgery level up!
$800/surgery
Special bonus
$400/day
Max. 90 days per year
#BowtieActuarialExperts
The coverage amount is aligned to the market.
$600/day
Max. 90 days per year
Medical negligence benefit
$1,000,000
#BowtieActuarialExperts
In the event of the insured's death due to medical negligence, this protection will provide financial support to his/ her family.
Total and permanent incapacity income benefit(2)
$500/week
payable for 52 weeks
$800/week
payable for 52 weeks
More product information
Name of VHIS certified plan
Bowtie VHIS
Standard Plan
Bowtie VHIS
Flexi Plan
Bowtie Pink VHIS Plan
Type of VHIS certified plan
Standard Plan
VHIS Flexi
Plan options

Flexi Regular
Flexi Plus
Semi-Private Room
Private Room
VHIS certification number
(For new applications only)
  • S00023-01-000-02
(Not applicable for new applications)
  • S00023-01-000-01
(For new applications only)
  • F00031-01-000-04
(Not applicable for new applications)
  • F00031-01-000-03
  • F00031-01-000-02
  • F00031-01-000-01
(For new applications only)
  • F00031-02-000-04
(Not applicable for new applications)
  • F00031-02-000-03
  • F00031-02-000-02
  • F00031-02-000-01
  • F00060-01-000-01
  • F00060-02-000-01
  • F00060-03-000-01
  • F00060-04-000-01
  • F00060-05-000-01
  • F00060-06-000-01
  • F00060-07-000-01
  • F00060-08-000-01
​​VHIS provider registration no.
00023
Registration effective date
21 March 2019
Issue age
From 15 days to age 80
The age of last birthday
Policy currency
HKD
Territorial scope of cover
Worldwide
Psychiatric treatments, rehabilitative care, medical negligence benefit are applicable to Hong Kong only
Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)
Psychiatric treatments are applicable to Hong Kong only
Ward class restriction
No restriction
All benefit items have no ward class restriction (except SMM)
Semi-private room
All benefit items have ward class restriction unless otherwise specified
Private room
All benefit items have ward class restriction unless otherwise specified
Premium payment period / Benefit period
1 year
Guaranteed renewal
If you do not pay the premium within 31 days after the due date, your policy and the protection will be terminated.
Up to age 100
Whole life
Notes:
(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above, unless otherwise specified.
(2) The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(3) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(4) 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(5) 2 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure)
(6) Please refer to Supplement No.1 for details.