Certified plan under Voluntary Health Insurance Scheme (VHIS)

Bowtie VHIS Flexi Enhanced Protection for just Standard Plan’s Premium

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Bowtie VHIS Flexi Protection

Bowtie believes insurance should be Just Fit, that’s why we use market statistics and actual costs data to develop a highly rigorous model in order to offer enhanced coverage that truly benefits the needs of Hong Kong people.

統一保障範圍

Pioneered Three-Tier Protection

With up to $1 million coverage, $220,000 supplementary major medical benefit, plus BowtieCash that pays for medical costs which exceed the plan coverage, private medical services become truly accessible.

受政府認可

Prescribed Diagnostic Imaging Test (Enhancement)

Bowtie VHIS Flexi Plus covers day-case procedures up to the limit of $40,000 - 50% higher than the average market limit.

保障範圍更全面

Bowtie VHIS Standard (Upgraded Version)

Bowtie VHIS Flexi provides a total of 10 additional benefits - 6 enhanced benefits and 4 other benefits. We are the 2nd top provider offering most of the additional benefits items in town.

Standard Premium

Bowtie VHIS Flexi Regular premium rates are lower than other major providers’ Standard Plan rates.* We offer a fully end-to-end digital experience such that from initial application and online underwriting, to making a claim, can be done on your smartphone or PC. We leverage technology to greatly reduce operational costs and pass on the savings to our customers.

*Based on monthly premium information for non-smoking males from Food and Health Bureau website, as of June 26, 2019. If insurers offer more than one flexi plans, we compare with the lowest level HKD plans (inclusive of supplementary major medical benefit). Coverage varies with each insurance plan. For details of various flexi plans, please refer to Food and Health Bureau website.

VHIS - Premium calculator

Plan Details

 

VHIS Standard
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VHIS Flexi Regular
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VHIS Flexi Plus
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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

S00023-01-000-02

F00031-01-000-03

F00031-02-000-03

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.

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% of [ 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.

Remarks:
#From 1 Jan 2021 to 31 May 2021, $2,000 BowtieCash will be awarded to new customers who successfully enroll in any Bowtie VHIS plan and use promo code "BOWTIE" at checkout.
New customers refer to the insured persons who have never held any Bowtie VHIS plan currently or in the past.
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.

FAQ Source:
Remarks: National Health Commission “New Coronavirus Pneumonia Diagnosis and Treatment Plan (Trial Version 4)”, Hong Kong Department of Health, Chinese Center for Disease Control and Prevention, BBC (Last update date: February 5, 2020)