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Voluntary Health Insurance Scheme (VHIS) Certified Flexi Plan

More Protection for Less!

New customers1 can enjoy two month waivers for successful application.

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Coverage that's Just Right

Our VHIS Flexi Plans fully cover standard medical expenses. Our plans are designed with the Just Fit concept because we believe just fit is the right fit.

Value for Money

By focusing our coverage on medical treatment related items only, we are able to keep the premiums at their lowest while offering high protection for benefits that matter.

Supplementary Major Medical Insurance

In the event your medical expenses exceed the benefit limit, our unique Flexi SMM feature can help cover the difference.

Total Coverage

Our benefits coverage is based on actual medical costs to ensure the benefit limit can fully cover standard medical expenses.

Bowtie VHIS Flexi Plans

VHIS Flexi Regular
Better Value
Monthly Premium from*
$
142
Apply NowLearn more
VHIS Flexi Plus
Better Experience (Semi-Private Room)
Monthly Premium from*
$
242
Apply NowLearn more

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 Food and Health Bureau website, as of September 30, 2020.
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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 $14,000. 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 $3,200.

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, habilitative 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

Hospitalization 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

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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 →

Benefit Items

 

VHIS Standard
Buy StandardBuy Now
VHIS Flexi Regular
Buy Flexi RegularBuy Now
VHIS Flexi Plus
Buy Flexi PlusBuy Now

Benefit Limit

$420,000/year

$600,000/year

$1,000,000/year

Prescribed Diagnostic Imaging Tests

(Subject to 30% Coinsurance)

$20,000/year

$26,000/year

$40,000/year

Supplementary major medical benefit

$120,000/year

$220,000/year

Premium
(35, Non-smoker)

$147/month

$235/month

$421/month

More Details

Basic Benefits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Room and board

$750/day 

Maximum 180 days per Policy Year

$1,100/day (6)

$2,200/day (6)

Miscellaneous charges

$14,000/year

$24,000/year

Attending doctor's visit fee

$750/day 

Maximum 180 days per Policy Year

$960/day (6)

$2,000/day (6)

Specialist's 
fee(2)

$4,300/year

$6,450/year

Intensive care

$3,500/day 

VHIS Standard - Maximum 25 days per Policy Year
VHIS Flexi - Maximum 60 days per Policy Year

$5,500/day 

Maximum 60 days per Policy Year

Surgeon's fee
(Per surgery, subject to surgical category)

- Complex $50,000
- Major $25,000
- Intermediate $12,500
- Minor $5,000
- Complex $75,000
- Major $37,500
- Intermediate $18,750
- Minor $7,500

Anaesthetist's fee
(% of Surgeon's fee payable)

35% (5)
- Complex $17,500
- Major $8,750
- Intermediate $4,400
- Minor $1,750
- Complex $26,250
- Major $13,150
- Intermediate $6,600
- Minor $2,650

Operating theatre charges
(% of Surgeon's fee payable)

35% (5)
- Complex $17,500
- Major $8,750
- Intermediate $4,400
- Minor $1,750
- Complex $26,250
- Major $13,150
- Intermediate $6,600
- Minor $2,650

Prescribed
Diagnostic Imaging Tests(2)(3)

(Subject to 30% Coinsurance)

$20,000/year

$26,000/year

$40,000/year

Prescribed 
Non-surgical Cancer Treatments(4)

$80,000/year

$160,000/year

Pre- and Post- Confinement/
Day Case Procedure outpatient care (2)

$580/visit 

$3,000 per Policy Year
• 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)

$1,100/visit 

$6,400 per Policy Year
• 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)

Psychiatric treatments

$30,000/year

$37,500/year

Enhanced benefits(7)

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Accident Emergency outpatient treatments

$8,000/year

Outpatient kidney dialysis (2)

$50,000/year

$100,000/year

Post-Confinement daily home nursing (2)

$500 /day 

Only payable for daily nursing services provided within 180 days after discharge from Confinement

$800 /day 

Only payable for daily nursing services provided within 180 days after discharge from Confinement

Rehabilitative care (2)

$750/day 

$10,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

$1,500/day 

$20,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

Hospital companion bed

$350/day

$800/day

Hospice and palliative care benefit (2)

$20,000/year

$40,000/year

Supplementary major medical benefit (9)

$120,000/year

$220,000/year

Other benefits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Day Case Procedure cash benefit

$500/surgical procedure

$800/surgical procedure

Special bonus

$400/day 

Maximum 90 days per Policy Year

$600/day 

Maximum 90 days per Policy Year

Medical negligence benefit

$1,000,000

Total and Permanent Incapacity income benefit (2)
(payable for 52 weeks)

$500/week

$800/week

Other limits

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Annual Benefit Limit for basic and enhanced benefits (8)

$420,000/year

$600,000/year

$1,000,000/year

Lifetime Benefit Limit for basic, enhanced and other benefits

Nil

Remarks –
(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under morethan 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) Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined, subject to 30% coinsurance.
(4) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(5) 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.
(6) This benefit is not subject to a maximum of 180 days per Policy Year as set out in the StandardPlan Terms and Benefits.
(7) Please refer to Supplement No. 1 for details.
(8) Annual Benefit Limit does not apply to Supplementary Major Medical Benefit.
(9) Subject to 20% Coinsurance

More product information

 

VHIS Standard

VHIS Flexi

VHIS Flexi XL

Name of VHIS certified plan

Bowtie VHIS Standard

Bowtie VHIS Flexi

Type of VHIS certified plan

Standard Plan

Flexi Plan

Plan option

/

Regular

Plus

VHIS certification number

(available for new application)
S00023-01-000-02

(not available for new application)
S00023-01-000-01

(available for new application)
F00031-01-000-03

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

(available for new application)
F00031-02-000-03

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

VHIS Provider Registration No.

00023

Registration Effective Date

21 March 2019

Issue age (1)

15 days to age 80

Policy currency

HKD

Area of Coverage (2)

Worldwide

Ward level restriction (3)

No restriction

Premium payment period / Benefit period

1 year

Guaranteed renewal

Up to age 100 (4)

Whole life (5)

Remarks –
(1) Age refers to the attained age of the Insured Person as of his or her last birthday.
(2) Except for psychiatric treatments, rehabilitative care and medical negligence benefit, all benefits shall be applicable worldwide.
(3) Except for benefit item supplementary major medical benefit as stated in the Benefit Schedule, all benefits are not subject to any restriction in the choice of ward class in hospital.
(4) Bowtie guarantees that you can renew your policy every year, up to age 100. However, if you do not pay premiums within 31 days after the premium due date, your policy will be terminated and you may lose the coverage of this policy.
(5) Bowtie guarantees that you can renew your policy every year. However, if you do not pay premiums within 31 days after the premium due date, your policy will be terminated and you may lose the coverage of this policy.

Important Product Information

Product Category
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Food and 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 FHB.
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

Go Fast. Go with Bowtie.

Once you submit the required documents, you won’t believe how fast it takes

10
minutes
To complete application
5
working
days
To proceed policy
5
minutes
Lodge a claim

Why is Bowtie so fast?

No insurance intermediary.
Zero commission.

You don't need to go through an intermediary, all our product details and prices are listed on our website.

100% Online.
No medical exams.

Application and underwriting are all done online on our website in as fast as 4 minutes.

Claims specialist at your service

No agents or intermediaries doesn't mean no service. Our claims specialists are here to assist with your claims applications through our live chat or hotline.

Why do you all choose Bowtie?

Frequently Asked Questions

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.

Does SMM cover Accident Emergency outpatient treatments?

Yes.

Does SMM cover Outpatient kidney dialysis?

Yes.

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)

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 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 and HK$800 for Flexi Plus.

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 Food and 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.

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.

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.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

Please note inaccurate information may impact future claims results.

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 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.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

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

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 live chat 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 your 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 Policy Holder 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 Food and 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.

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.

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.