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Voluntary Health Insurance Scheme (VHIS) Certified Flexi Plan

More protection for less!

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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.

High protection, low cost

Bowtie VHIS Flexi Plans premiums are lower than some VHIS Standard Plans from other insurance companies while offering more coverage.

The above premiums are based on a 14-year-old non-smoking male.
#Based on information from the Health Bureau website, as of September 30, 2020.

Unique SMM feature

With the additional protection from our unique Supplementary Major Medical (SMM) feature, your out-of-pocket expenses are kept to a minimum.

When medical expenses exceed the benefit limit, Bowtie VHIS Flexi Plan's unique SMM feature can offset the out-of-pocket portion by covering upto 80% of the excess amount.

Review the Case Study

Suppose you unfortunately fell ill and need to be admitted to hospital for multiple examinations. The total medical expenses are $30,000 and the benefit limit for “Miscellaneous Expenses” is $18,000. With an SMM limit of $100,000 and a 20% coinsurance (co-pay), you will receive a benefit of $26,800 and the out-of-pocket amount is reduced to only $2,400.

More coverage, more protection

VHIS Flexi Plans cover more benefit items and offer higher benefit limits than VHIS Standard, so your out-of-pocket expenses can be kept to a minimum.

Learn more

Broader Coverage

Flexi covers 10 additional enhanced benefits including accident emergency outpatient treatments, rehabilitative care, post-hospitalization daily home nursing fee and more.

Higher Benefit Limit

Both annual benefit limit for Flexi as well as the limit for each benefit item are higher than the Standard Plan.

What exactly does Flexi cover?

Bowtie VHIS Flexi Plans fully cover standard medical expenses including the following.

Diagnosis

Surgery

Hospitalization

Pre- and Post-Hospitalization Treatment

Other

Non-surgical Treatment

Is the coverage really enough?

Bowtie VHIS Flexi Plans are based on thorough research of actual hospital charges and claims data to ensure that our coverage provides adequate protection for reasonable expenses for common medical treatments.

Diagnosis

Covers up to two Prescribed Diagnostic Imaging Tests per year!

Flexi covers up to two Prescribed Diagnostic Imaging Tests(ex. CT, MRI, etc.) per year. Our professional medical experts have assessed that two tests a year are sufficient in usual circumstances. And with a HK$26,000 limit per year and a coinsurance structure, Flexi is sufficient to cover for one PET scan and one CT scan at a private hospital in Hong Kong.

Learn more about the benefit limit

Surgery

Surgical expenses exceeding the limit can be covered by Supplementary Major Medical (SMM)!

VHIS Flexi Plan coverage limit is based on actual surgery fees to ensure that surgical expenses would be covered. And in the event the surgical expenses do exceed the limit, the unique Flexi SMM benefit will provide extra protection by covering up to 80% of the difference.

Learn more about the benefit limit

Hospitalization

Enough to cover most general ward rates!

The room and board benefit limit for Flexi Regular is HK$1,100 per day – enough to cover the daily rate of general ward at 8 of the 11 private hospitals in Hong Kong. As for the remaining 3 private hospitals, the difference is relatively low and so the out-of-pocket portion is low as well.

Learn more about the benefit limit

Pre- and Post-Hospitalization Treatment

Outpatient, follow-up consultation, rehabilitation all covered!

After being discharged from the hospital, you may still need follow-up visits, home nursing care or rehabilitation care. These are all covered by Bowtie VHIS Flexi Plans, including outpatient, follow-up consultation and rehabilitation care treatments.

Learn more about the benefit limit

Other

Hospitalisation charges exceeding the limit can be covered by Supplementary Major Medical (SMM)!

Flexi SMM feature helps cover miscellaneous expenses that exceed coverage limit, notably various hospitalization charges such as medication and equipment used in surgery.

Learn more about the benefit limit

Cancer treatment costs are high and Flexi Plans coverage may not be sufficient. We recommend to top up your coverage with Bowtie Cancer Fighter medical insurance for extra protection.

If Semi-Private room is preferred, we recommend Flexi Plus because the Flexi Regular coverage is not sufficient for this room type.

Please note exclusions apply to this insurance plan.

Flexi Regular → Better Value

Flexi Regular fully covers most standard medical treatments including surgery expenses and common hospitalization charges.

Flexi Regular Coverage Meter

High

Covers standard surgery and hospital expenses

Apply Now

Monthly Premium from*

$
142
Quote Now
Add-on Protection

Bowtie & Gleneagles Hospital Hong Kong Wellness Package

For only $200 a month, you get:
.Full reimbursement for 240+ selected medical packages
.Annual comprehensive health check
.Choice of optional medical and health services

Purchase Add-onLearn more →

Choose Flexi Plus for a better experience

For those who prefer Semi-Private rooms, Flexi Plus offers more coverage for a premium experience.

Flexi Plus Coverage Meter

Very High

Covers Semi-Private Room Expenses

Apply Now

Monthly Premium from*

$
242
Quote now
Add-on Protection

Bowtie & Gleneagles Hospital Hong Kong Wellness Package

For only $200 a month, you get:
.Full reimbursement for 240+ selected medical packages
.Annual comprehensive health check
.Choice of optional medical and health services

Purchase Add-onLearn more →

Flexi plan benefit items

Coverage Limit I : Benefit amount per policy year

$

600,000

/per year

No lifetime limit, recalculated every year

Coverage Limit II:Benefit limit for each covered item

An additional $120,000 per year of Supplementary Major Medical SMM (with 20% Co-Insurance) is available to offset expenses in excess of the limit; applicable to benefits marked with SMM.

level up! Upgraded or newly added coverage effective from 30 April 2022

Diagnosis

Specialist’s fee

(1)

$

4,300

/per year

Prescribed Diagnostic Imaging Tests

(1)

Including:
CT Scan
MRI Scan
PET Scan
PET–CT combination
PET–MRI combination

$

26,000

/per year

-

;

30% Co-Insurance

Hospitalisation

Room and board

$

1,200

/per day

level up!

Attending doctor's visit fee

$

960

/per day

Intensive care

$

3,500

/per day

-

;

Up to 60 days per year

Surgery

Surgeon's fee

Complex Surgery —

$

60,000

/per session

level up!

Major Surgery —

$

30,000

/per session

level up!

Intermediate Surgery —

$

15,000

/per session

level up!

Minor Surgery —

$

6,000

/per session

level up!

Anaesthetist's fee

Complex Surgery  —

$

21,000

/per session

level up!

Major Surgery —

$

10,500

/per session

level up!

Intermediate Surgery —

$

5,300

/per session

level up!

Minor Surgery —

$

2,100

/per session

level up!

Operating theatre charges

Complex Surgery —

$

21,000

/per session

level up!

Major Surgery —

$

10,500

/per session

level up!

Intermediate Surgery —

$

5,300

/per session

level up!

Minor Surgery—

$

2,100

/per session

level up!

Day Case Procedure cash benefit

$

800

/per surgery

level up!

Pre- and Post-Hospitalisation Treatment

Accident and Emergency Outpatient Treatments

$

8,000

/per year

Pre- and post-Confinement/Day Case Procedure outpatient care(1)

$

3,000

/per year

-

;

$900 per visit ;

- 2 prior and 3 follow-up outpatient visits(2)

level up!

Post-Confinement Daily Home Nursing

(1)

$

500

/day

-

;

within 180 days after discharge from confinement

Rehabilitative care

(1)

$

750

/per day

-

;

Up to $10,000 per year;

Only within 90 days after discharge

Non-surgical treatment

Prescribed non-surgical cancer treatment

Including:
Radiotherapy
chemotherapy
targeted therapy immunotherapy
hormonal therapy

$

80,000

/per year

Psychiatric treatments

$

30,000

/per year

Outpatient kidney dialysis

(1)

$

50,000

/per year

Others

Miscellaneous Charges

$

18,000

/per year

level up!

Hospital Companion Bed

$

350

/per day

Hospice and Palliative Care Benefit

(1)

$

20,000

/per year

Special bonus

$

400

/per day

-

;

Up to 90 days per year

Medical negligence benefit

In the unfortunate event of the insured person's death due to medical negligence, this protection will provide financial support to his/her family.

$

1,000,000

Total and permanent incapacity income benefit

(1)

$

500

/per week

-

;

 payable for 52 weeks

(1) 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.
(2) 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).

More Product Information

Ward level restriction

No Limits

Except for Supplemental Major Medical (SMM).

Area of Coverage

Worldwide

Except for psychiatric treatment, rehabilitative care and medical negligence coverage.

Policy currency

Hong Kong Dollar

Name of VHIS certified plan

Bowtie VHIS Flexi

Type of VHIS certified plan

Flexi Plan

Plan option

Regular

VHIS Provider Registration No.

00023

VHIS certification number

F00031-01-000-04 (available for new application)
F00031-01-000-03 (not available for new applications)
F00031-01-000-02 (not available for new applications)
F00031-01-000-01 (not available for new applications)

Registration Effective Date

21 March 2019

Policy Exclusions
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.

2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, 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.

3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Effective Date. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by the Company under Section 8 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Effective Date.
However, the exclusion under this entire Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.

4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the 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 (except for HIV and its related Disability, where Section 3 of this Part 7 applies).

5. Any charges in respect of services for – (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
(a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
(b) removal of pre-malignant conditions; and
(c) treatment for prevention of recurrence or complication of a previous Disability.

7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.

8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.

10. Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

11. Expenses incurred for 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.

12. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years.

13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Coverage Limit I : Benefit amount per policy year

$

1,000,000

/per year

No lifetime limit, recalculated every year

Coverage Limit II:Benefit limit for each covered item

An additional $220,000 per year of Supplementary Major Medical SMM ( with 20% Co-Insurance),is available to offset expenses in excess of the limit; applicable to benefits marked with SMM.

level up! Upgraded or newly added coverage effective from 30 April 2022

Diagnosis

Specialist’s fee

(1)

$

6,450

/per year

Prescribed Diagnostic Imaging Tests

(1)

Including:
CT Scan
MRI Scan
PET Scan
PET–CT combination and PET–MRI combination

$

40,000

/per year

-

;

30% Co-Insurance

Hospitalisation

Room and board

$

2,300

/per day

level up!

Attending doctor's visit fee

$

2,000

/per day

Intensive care

$

5,500

/per day

-

;

 Up to 60 days per year

Surgery

Surgeon's fee

Complex Surgery —

$

90,000

/per session

level up!

Major Surgery —

$

45,000

/per session

level up!

Intermediate Surgery —

$

22,500

/per session

level up!

Minor Surgery —

$

9,000

/per session

level up!

Anaesthetist's fee

Complex Surgery  —

$

31,500

/per session

level up!

Major Surgery  —

$

15,800

/per session

level up!

Intermediate Surgery  —

$

7,900

/per session

level up!

Minor Surgery —

$

3,200

/per session

level up!

Operating theatre charges

Complex Surgery  —

$

31,500

/per session

level up!

Major Surgery —

$

15,800

/per session

level up!

Intermediate Surgery —

$

7,900

/per session

level up!

Minor Surgery —

$

3,200

/per session

level up!

Day Case Procedure cash benefit

$

1,300

/per surgery

level up!

Pre- and Post-Hospitalisation Treatment

Accident and Emergency Outpatient Treatments

$

8,000

/per year

Pre- and post-Confinement/Day Case Procedure outpatient care(1)

$

6,400

/per year

-

;

$1,300 per visit;

2 prior and 3 follow-up outpatient visits(2)

level up!

Post-Confinement Daily Home Nursing

(1)

$

800

/per day

;

-

within 180 days after discharge from confinement

Rehabilitative care

(1)

$

1,500

/per day

-

;

Up to $20,000 per year ;

Only within 90 days after discharge from confinement

Non-surgical treatment

Prescribed non-surgical cancer treatment

Including:
Radiotherapy
chemotherapy
targeted therapy, immunotherapy and hormonal therapy

$

160,000

/per day

Psychiatric treatments

$

37,500

/per year

Outpatient kidney dialysis

(1)

$

100,000

/per year

Others

Miscellaneous Charges

$

24,000

/per year

Hospital Companion Bed

$

800

/per day

Hospice and Palliative Care Benefit

(1)

$

40,000

/per year

Special bonus

$

600

/per day

-

;

Up to 90 days per year

Medical negligence benefit

In the unfortunate event of the insured person's death due to medical negligence, this protection will provide financial support to his/her family.

$

1,000,000

Total and permanent incapacity income benefit

(1)

$

800

/per week

-

;

payable for 52 weeks

(1) 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.
(2) 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).

More Product Information

Ward level restriction

No Limits

Except for Supplemental Major Medical (SMM).

Area of Coverage

Worldwide

Except for psychiatric treatment, rehabilitative care and medical negligence coverage.

Policy currency

Hong Kong Dollar

Name of VHIS certified plan

Bowtie VHIS Flexi

Type of VHIS certified plan

Flexi Plan

Plan option

Plus

VHIS Provider Registration No.

00023

VHIS certification number

F00031-02-000-04 (available for new application)
F00031-02-000-03 (not available for new applications)
F00031-02-000-02 (not available for new applications)
F00031-02-000-01 (not available for new applications)

Registration Effective Date

21 March 2019

Policy Exclusions
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.

2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, 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.

3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Effective Date. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by the Company under Section 8 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Effective Date.
However, the exclusion under this entire Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.

4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the 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 (except for HIV and its related Disability, where Section 3 of this Part 7 applies).

5. Any charges in respect of services for – (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
(a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
(b) removal of pre-malignant conditions; and
(c) treatment for prevention of recurrence or complication of a previous Disability.

7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.

8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.

10. Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

11. Expenses incurred for 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.

12. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years.

13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Important Product Information

Product Category
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau
Issue Age
15 days – age 80
Period of Cover
1 year – Lifetime guaranteed annual renewal
Waiting Period
N/A
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 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.html
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.

Who should buy VHIS Flexi?

We designed Flexi with these people in mind.

People without medical insurance

VHIS Standard alone is not sufficient to cover private hospital medical treatment expenses. If you do not have an individual medical insurance plan, we recommend VHIS Flexi.

People who have group medical insurance only

You may have group medical coverage now but this could change due to retirement or job loss. In that scenario, If you wait until your health condition changes to purchase individual medical insurance, insurance companies may decline your application or offer limited coverage. To ensure you have adequate protection in the future, we recommend VHIS Flexi.

People who are value-conscious

Bowtie VHIS Flexi Standard offers high protection with benefit limits that cover actual treatment costs, yet the premiums are even lower than the Standard Plans from other insurers.

People who prefer semi-private rooms

Apart from room and board fees, surgery and hospital charges also increase according to the room level. To cater for Semi-Private room level fees, we specially designed Flexi Plus.

Bonus Coverage

BowtieGo Membership
Free with VHIS purchase

Save up to 50% on outpatient and specialist consultation fees
Learn more
Add-on Protection

Bowtie & Gleneagles Hospital Hong Kong Wellness Package

Upgrade to high-end medical insurance
for only $200 / month
Learn more

Frequently asked questions

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

Both VHIS Flexi and VHIS Standard Plans are regulated and certified by the Health Bureau. Flexi Plans cover the same items as the Standard Plan but offer higher protection with higher limits and additional benefits.

What is the guaranteed renewal age for Flexi?

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

Does SMM cover all medical expenses that exceed the benefit limit?

If medical expenses for the following items exceed the benefit limit, SMM will cover 80% of the difference up to the SMM limit.

  1. Miscellaneous charges
  2. Specialist’s fees
  3. Intensive care
  4. Surgeon’s fees
  5. Anaesthesiologist’s fees
  6. Operating theatre charges
  7. Accidental Emergency outpatient treatments
  8. Outpatient kidney dialysis

For more information, refer to the benefit schedule for Flexi Regular and Flexi Plus.

How is SMM determined?

SMM = 80% x (eligible expenses exceeding benefit limit) x (room level adjustment factor if applicable)

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$800 for Flexi Regular and HK$1,300 for Flexi Plus.

Are there any restrictions on the room level?

All benefits do not have restrictions on the room level. However, adjustment factor will be applied to the SMM benefit based on your room level.

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.

Does SMM cover Outpatient kidney dialysis?

Yes.

Does SMM cover Accident Emergency outpatient treatments?

Yes.

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.

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.

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:

  1. We are unable to accept your application due to your current health condition.
  2. You expressed that you have reservations about the answers you provided to our underwriting and need further assistance.
  3. We are currently enhancing our underwriting system allowing us to re-process your application.
  4. You selected “Other illnesses” and we need more information from you.

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

What should I do if I don’t understand an underwriting question and I am 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 provided, we analyze 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.

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

It’s 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.

If I have questions about Bowtie services, what can I do?

Just like traditional insurance companies, you can contact us through our customer service centre, hotline, email and LiveChat for assistance with application, claims estimates or claims submission.

You can call our customer service hotline 3008 8123 anytime or email us at cs@bowtie.com.hk. We value your feedback and will follow up as soon as possible. If necessary, you can book an appointment to visit our customer service centre where our dedicated service team will serve you.

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 3008 8123 or email us at cs@bowtie.com.hk.

Does VHIS Standard Plan only cover hospitalization and hospital-related expenses such as surgery and doctor’s fee?

VHIS Standard Plan coverage includes not only hospitalisation and hospital-related fees, but also day case surgery, pre- and post-hospitalization day case procedure, outpatient care, and prescribed diagnostic imaging tests (ex. CT, MRI, PET, PET-CT, OET-MRI).

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 made, claim amounts or their health conditions.

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

Change of ownership of the Policy

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

(a) the Insured Person if he has reached the Age of eighteen (18) years; 

(b) the parent or the Guardian of the Insured Person if he is a Minor; or 

(c) any person whose familial relationship with the Insured Person is accepted by Bowtie according to its prevailing underwriting practices.

Inquiries and Complaint Channels

VHIS Office – set up under the Health Bureau, handles VHIS-related matters, including product offerings, approved product features and the code of practice for insurance companies under the ambit of the VHIS; 

Insurance Authority – regulates the conduct of insurance companies and insurance intermediaries;

Inland Revenue Department – manages matters related to tax deductions; and

Bowtie – policyholders can submit their complaints by mail or call the customer service hotline 3008 8123.

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.

1. What’s excluded from Bowtie products?
  1. Congenital Conditions which have manifested or been diagnosed before the Insured Person attained the age of 8;
  2. Treatments, procedures, medications, tests or services which are not medically necessary;
  3. Dental treatment, Traditional Chinese medicine treatment, maternity-related treatments, correction of visual acuity, services for beautification or cosmetic purposes;
  4. Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability (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);
  5. Self-inflicted injuries or attempted suicide, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents;

The above list is for reference only. For the complete list and details of exclusions, refer to the “General Exclusions” section in the Terms and Conditions.

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Remarks:
* Monthly Premium of VHIS Flexi Standard for 14-year-old male (smoking or non-smoking) = $142
* Monthly Premium of VHIS Flexi Plus for 12-year-old female (smoking or non-smoking) = $242

^ BowtieCash allows you to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program.
^ New customers refer to the insured persons who have never held any Bowtie VHIS plan currently or in the past.

*From now until 16 Oct 2022, both existing and new customers can enjoy 30% off first-year premium for successful enrolment in any Bowtie VHIS Plan, Bowtie Cancer Fighter, Bowtie Touchwood Protector, Bowtie Term CI and Bowtie Term CI - Multiple Cover ; 50% off first-year premium for successful enrolment in Bowtie Term Life, with the code【OCTFLASH】.

The above is for reference only. For detailed terms and conditions, key risks and policy exclusions of the product, please refer to the policy.

Bowtie Life Insurance Co. Ltd (“The Company”,”Bowtie”) is a limited liability company incorporated in Hong Kong. Bowtie VHIS Flexi Plan is underwritten by our company and only intended for sale in Hong Kong.