Do I still need VHIS Standard Plan if my employer provides group medical insurance?

Group medical insurance typically offers basic protection only and does not cover you after you leave the company. We recommend customers review their group medical insurance policies to determine if the level of protection is adequate. If you find that the coverage from your group medical insurance is insufficient, you can consider purchasing an individual medical insurance plan (like Bowtie VHIS Standard Plan) to increase protection.

Why are Bowtie VHIS Standard Plan premiums so much lower than most other insurers?

Bowtie is the first-ever virtual insurance company. By harnessing the latest technology, we offer commission-free products without intermediaries and reduce operating costs through efficiencies. As a result, we can keep premiums at their lowest while offering the same level of protection.

Will the premiums go up significantly in the future?

We do not foresee the premiums increase significantly in the future. In fact, early on in the product development stages, we had already factored in future expenses and reviewed industry data from reinsurers when we set the premiums.

Bowtie VHIS Flexi

Name: Bowtie VHIS Flexi Plan
Brand: Bowtie
Rating: 4.5 (151 reviews)



Features Coverage Benefit table Mix and match Product information FAQ

Quote Now

Product Brochure

Premium Schedule

Additional Offer

50% OFF for add on Wellness Package

Product Highlights



保費夠抵較市場同類產品平

Lower Premiums¹

Apply for insurance online with Bowtie to save as much as

55%of premiumsh



唔使自己出幾萬蚊都Claim 到近 90% 醫療費用

Pay claim from the first dollar without deductible. Up to 90% coverage^{^}

This plan is designed based on actual medical charges and common medical conditions. Bowtie Flexi Plan ranks 3^rd in the market for the largest number of additional benefits², and the highest benefit limit for “Prescribed Diagnostic Imaging Test”².

We aim to provide you with sufficient financial support for medical expenses even with one medical insurance plan.

Average reimbursement ratio³



設額外醫療保障 SMM 包底賠得更足

Supplementary Major Medical (SMM) benefit offering additional coverage

Eligible benefits include specialist’s fee, intensive care, surgeon’s fee, anaesthetist’s fee, operating theatre charges, accidental emergency outpatient treatments, outpatient kidney dialysis and miscellaneous charges. Please refer to the Benefit Schedule for details.

The VHIS basic benefits have upper limits. To improve the reimbursement rate, the Bowtie Flexi Plan offers $120,000 - $ 220,000 Supplementary Major Medical (SMM) benefit to cover 80% of medical expenses in excess of the individual benefit limits.

More Examples →

Comprehensive Medical Coverage

Reimbursement is not limited to any accident or disease

470 types of surgery are covered uniformly across different VHIS plans on the market. However, the benefits covered by each plan may be different, which can affect the actual reimbursement rate. For details, please refer to the Benefit Schedule and Schedule of Surgical Procedures

FlexiBowtie VHIS- Flexi Plan Exclusive

Compare claim ratio

Symptom onset/ diagnosis

Got the highest coverage in Hong Kong

Prescribed diagnostic imaging tests (with the highest benefit limit in Hong Kong)

i.e. CT Scan, MRI Scan, PET Scan

2 outpatient visits or emergency consultations prior to confinement/day case procedure

Outpatient visits or emergency consultations resulting in a confinement or day case procedure

Hospitalization
‍

Room and board

Attending doctor's visit fee

Specialist’s fee

Prescribed non-surgical
cancer treatment

i.e. Targeted drugs, chemotherapy, radiotherapy, etc.

Psychiatric treatment

Intensive care

Hospital companion bedFlexi

Miscellaneous charges

Day case procedure such as endoscopy, cataract surgery

Day/Inpatient Surgery

Surgeon’s fee

Anaesthetist’s fee

Operating theatre charges

i.e. Gastroscopy, colonoscopy, wart removal, etc.

Day case procedure cash benefit
‍Flexi

Accident emergency outpatient treatmentFlexi

Post-recovery follow-up

Post-confinement/day case procedure outpatient care

Outpatient kidney dialysisFlexi

i.e. Dialysis

Rehabilitative careFlexi

Post-confinement daily home nursingFlexi

💡

Does the plan cover outpatient?
Please note that the plan does not cover outpatient expenses for general practitioner, specialists, Chinese medicine practitioner, etc.However, the BowtieGo Outpatient Service that comes with the plan allows you to consult an outpatient doctor at half price without having to make any additional claims.

例子說明 

個案

醫療費用^

一般計劃

Bowtie
靈活計劃保障*

🤒 因傷風感冒前往醫院門診或診所求醫 (但毋須住院或接受手術)

門診診金+
藥費+腸鏡檢查

🔎 因大便有血前往診所求醫
獲轉介進行門診腸鏡檢查

覆診診金+
藥費

✓

😷 接受腸鏡檢查
一星期後前往診所覆診

門診診金 +
治療費用*

✓

🤕 因意外受傷而前往醫院門診或醫院急症室求醫 (不包括一般西醫診所)

門診診金 +
治療費用

✓

在診所洗腎

洗腎費用

✓

Filing a claim is effortless.

For any claims issues and applications, there will be 1:1 follow-up by our claims specialist.

Learn more →

One Plan. Two FLEXIble Options

Recommended Room Class

Basic coverage does not impose any limitations on room level, but the Supplementary Major Medical (SMM) Benefit will reimburse according to the specified percentage of different room levels.

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Basic Benefit Limit
No lifetime limit

SMM Limit

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Premium‍Take a 30-year-old non-smoking male as an example

Flexi Plan (Regular)

Ward Room

typically accommodates 4 to 8 people



Basic Benefit Limit

$600,000/ year

SMM Limit

$120,000/ year

Premium

From $218/ month

Flexi Plan (Plus)

Semi-private Room

1 to 3 people per room with better privacy



Basic Benefit Limit

$1,000,000/ year

SMM Limit

$220,000/ year

Premium

From $389/ month

Want to explore other coverage levels of Bowtie's VHIS plans?

Compare now!

Detailed Benefit Schedule 



VHIS - Flexi Regular

Apply Now

VHIS - Flexi Plus

Apply Now

Summary

Room suggested

Standard room

Semi-private room

Annual Benefit limit

$600,000/ year

$1,000,000/ year

Lifetime benefit limit

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 

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.

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

$1,200/ day⁽⁴⁾

$2,300/ day⁽⁴⁾



Miscellaneous charges

$18,000/ year


$26,000/ year


Attending doctor’s visit fee

$960/ day⁽⁴⁾

$2,000/ day⁽⁴⁾

Specialist's fee(1)

$4,300/ year


$6,450/ year


Intensive care

$3,500/ day

Max. 60 days



$5,500/ day

Max. 60 days



Surgeon's fee

Complex
Major
Intermediate
Minor

Complex：$60,000/ surgery
$30,000/ surgery
Intermediate：$15,000/ surgery
$6,000/ surgery


Complex：$90,000/ surgery
Major : $45,000/ surgery
Intermediate：$22,500/ surgery
Minor : $9,000/ surgery


Anaesthetist's fee

Complex
Major
Intermediate
Minor

Complex：$21,000/ surgery
Major : $10,500/ surgery
Intermediate：$5,300/ surgery
Minor : $2,100/ surgery


Complex：$31,500/ surgery
Major : $15,800/ surgery
Intermediate：$7,900/ surgery
Minor : $3,200/ surgery


Operating theatre charges

Complex
Major
Intermediate
Minor

Complex：$21,000/ surgery
Major : $10,500/ surgery
Intermediate：$5,300/ surgery
Minor : $2,100/ surgery


Complex：$31,500/ surgery
Major : $15,800/ surgery
Intermediate：$7,900/ surgery
Minor : $3,200/ surgery


Prescribed diagnostic imaging tests(1) (2)

Included: CT Scan, MRI Scan, PET Scan, PET-CT combo, PET–MRI combo

$26,000/ year

Subject to 30% Coinsurance

#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

Subject to 30% Coinsurance



Prescribed non-surgical cancer treatments(3)

Included: Radiotherapy, Chemotherapy, Targeted therapy, Immunotherapy, Hormonal therapy

$80,000/ year

$160,000/ year



Pre- and post-confinement / Day case procedure outpatient care(1)

$900/ visit

$3,000/ year; 2 time before and 3 times after(6)

$1,300/ visit

$6,400/ year; 2 time before and 3 times after(6)

Psychiatric treatments ^#

$30,000/ year

$37,500/ year

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Additional coverage⁽⁵⁾

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.



$8,000/ year



Outpatient kidney dialysis(1)

$50,000/ year

#BowtieActuarialExperts

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



Post-confinement / Day case procedure daily home nursing(1)

$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



Rehabilitative care# (1)

$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

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

Hospice and palliative care benefit(1)

$20,000/ year

$40,000/ year

Others⁽⁵⁾



Download benefit schedule (see product documents) ↓

Notes：
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.
(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) 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.
(3) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(4) This benefit is not subject to a maximum of 180 days per Policy Year as set out in the Standard Plan Terms and Benefits.
(5) Please refer to Supplement No. 1 for details.
(6) 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)

Mix and match to fill protection gaps

Extra Health and Medical Coverage

Add on $200/month

Bowtie x Designated Hospital

Learn more

Apply now

Learn more Apply now

Exclusive for Flexi Plan Customers: Annual Health Check-up (can add optional health check items recommended by doctors)¹ + full reimbursement for the selected medical packages with a waiver to submit cashless settlement application¹⁰.

Extra cancer coverage

Form $57/month4

Bowtie Cancer Fighter

Learn more

Apply now

Learn more Apply now

Supplementary coverage for non-surgical cancer treatment such as targeted drugs, radiotherapy and chemotherapy.

Additional support

NEW No-Claim Rewards ⁵

Earn BowtieCash^{^} - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.

More details →

Cashless Settlement Service ⁶

Applicable to inpatient treatment and prescribed diagnostic imaging tests, allowing you to have a worry-free treatment.

NEW Designated Prescribed Diagnostic Imaging Tests Referral

Bowtie Health Specialist will book appointments at designated imaging centers and apply for pre-approval on your behalf for designated Prescribed Diagnostic Imaging Tests.

More details →

24 - hour Global
Emergency Assistance⁷

In the event of an emergency during a business trip or holiday, call the 24-hour worldwide emergency hotline for assistance.

More details →

Product Information

Eligible for persons aged 15 days to age 80

unknown pre-existing conditions are existing health conditions that the insured person was not aware of when applying for the policy, such as pre-existing conditions that were diagnosed and treated following the insurance application.

Covers unknown pre-existing conditions and

congenital conditions include congenital diseases that onset or diagnose at 8 years of age or later

‍congenital diseases

No waiting period level up!

Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the 91st day from the effective date of the policy.

Lifetime guaranteed renewal

If the insurer immigrates to other countries, the premium might be adjusted based on the risk of relocated countries. For details, please contact Bowtie Customer Service at 3008 8123.

Worldwide coverage (including immigration and travel)^#

Monthly payment

Product Documents

Terms and Conditions

Premium Schedule-Flexi Regular

Premium Schedule-Flexi Plus

Supplement No. 1-3

Key Risks and Policy Exclusions

Benefit Schedules

Flexi Regular - Benefit Schedule

Flexi Plus - Benefit Schedule

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 the Health Bureau.

Please refer to the policy terms and conditions for details

Policy Cancellation

You may request cancellation of the policy by giving us a prior notice with at least 30 working days.

Cooling-off Period

Within 21 days of the cooling-off period, you may cancel the policy and receive a full refund of premium

Tax Deduction

Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. Click here for details.

Policy Exclusions

Under these Terms and Benefits, the Company shall not pay any benefits in relation to or arising from the following expenses:

Treatments, procedures, medications, tests or services which are not Medically Necessary;
Confinement solely for the purpose of diagnostic procedures or allied health services, unless suchprocedure or service is recommended by a Registered Medical Practitioner for Medically Necessaryinvestigation or treatment of a Disability which cannot be effectively performed in a setting forproviding Medical Services to a Day Patient;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contractedor occurs before the Policy Effective Date. If evidence of proof as to the time at which such Disabilityis first contracted or occurs is not available, manifestation of such Disability within the first 5 yearsafter the Policy Effective Date shall be presumed to be contracted or occur before the PolicyEffective Date (except cases where HIV and its related disability is caused by sexual assault, medicalassistance, organ transplant, blood transfusions or blood donation, or infection at birth);
Dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents;
Self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitteddisease or its sequelae;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and theInsured Person receives the Medical Services within 90 days of the Accident;
Correction of visual acuity or refractive errors that can be corrected by fitting of spectacles orcontact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation orprocedures with the purpose of avoiding complications, removal of pre-malignant conditions, andprevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except foremergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications orsexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
Experimental or unproven medical technology or procedure in accordance with the commonstandard, or not approved by the recognised authority, in the locality where the treatment,procedure, test or service is received;
Congenital Conditions which have manifested or been diagnosed before the Insured Personattained the age of 8;
Treatment for Disability arising from war, civil war, invasion, acts of foreign enemies, hostilities,rebellion, revolution, insurrection, or military or usurped power;
Reimbursements under any law, or medical program or insurance policy provided by any government, company or other third party.

The above list is for reference only. You should refer to the “General Exclusions” section in the Terms andConditions of this plan for the complete list and details of exclusions.

Bowtie VHIS Registration Information

Name of VHIS certified plan:
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau
Bowtie VHIS Flexi Plan Regular
Available for new application
F00031-01-000-06 (Flexi Regular Plan)
F00031-02-000-06 (Flexi Plus Plan)
Not available for new application
F00031-01-000-05 (Flexi Regular Plan)
F00031-01-000-04 (Flexi Regular Plan)
F00031-01-000-03 (Flexi Regular Plan)
F00031-01-000-02 (Flexi Regular Plan)
F00031-01-000-01 (Flexi Regular Plan)
F00031-02-000-05 (Flexi Plus Plan)
F00031-02-000-04 (Flexi Plus Plan)
F00031-02-000-03 (Flexi Plus Plan)
F00031-02-000-02 (Flexi Plus Plan)
F00031-02-000-01 (Flexi Plus Plan)
VHIS Provider Registration No.
00023
Registration Effective Date
21 March 2019

The information on the page is for reference only. For the full and detailed policy terms and conditions, please refer to the product documents.

Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

Understand the concept behind →

Upgrades in Bowtie’s VHIS in 2024

Check out what’s new this year!

Learn more +

Application

Our customer service staff will listen to your concerns, provide detailed explanation of the products, assist with quotations and insurance applications.

About the application procedures →

Filing a Claim

Our claims specialist will follow up on the claim application and progress. We will also provide compensation estimates and arrange cashless settlement services. A hotline for the claim department is set up for your enquiries!

About the claim procedures →

Management of policies

Insurance and claim application progress will be updated via email and online platform. You may view and download all policy documents, benefit balance, claim records and other information at any time on the online platform!

🚀

2024

Free upgrade on Bowtie VHIS Series

Extending the usage and validity period of BowtieCash
- Extending the use of BowtieCash to redeem the designated health service and the validity period to 7 years.
Supports Travel Protection Needs
- To thank you for the support, early customers who enrolled between 2019 and 2020 can now enjoy the exclusive travel insurance promotion offered by Generali.
Extending the Plan Coverages and Cashless Settlement Service
- Reduce the waiting period for Unknown Pre-existing Conditions to 90 days. [Applicable to Flexi Plan and Bowtie Pink]
- Include Chinese medicine treatment in the coverage of “Post-Confinement/Day Case Procedure outpatient care [Applicable to Flexi Plan and Bowtie Pink]
- Bookings for designated diagnostic imaging tests through Bowtie Health Specialists can enjoy Cashless Settlement Service.

Learn more on blog

and

Read amendment PDF

🚀

2024

Partner with CUHK Medical Centre to launch the "Medical Insurance + Wellness" Package

This VHIS Flexi Plan Rider offers a comprehensive healthcare experience, including annual health check-up (as recommended by a doctor) + full reimbursement for the selected medical packages with a waiver to submit cashless settlement application^. Learn More

‍
*When redeeming the optional health check items and when using the health check-up related services or the selected medical packages at CUHK Medical Centre, the Insured Person must agree to and be bound by the terms and conditions stipulated by CUHK Medical Centre for such services and packages and other service terms and conditions of CUHK Medical Centre.

^Such full reimbursement subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The designated hospital will submit the pre-approval application in response to the selected medical packages for inpatient treatments for the cashless settlement service to Bowtie on your behalf, in which the cashless settlement Service is subjected to Bowtie's approval. For the service terms and conditions, please refer to the relevant website.

Learn more on blog

and

Read amendment PDF

🚀

2023

Launched Bowtie Pink (Ward Room)

Since most of the group medical insurance claims are for ward rooms, while high-end medical insurance plans are usually designed for semi-private and private rooms only, Bowtie Pink VHIS series has added a ward level. If customers hold a group medical insurance plan that covers the ward rooms, they can enjoy full coverage* at lower premiums with deductibles.

Learn more on blog

and

Read amendment PDF

🌟

2023

Free upgrade on Bowtie VHIS Series

[Applicable to all plans] Launched New "No Claim Reward", all VHIS customers can earn equal to 8% of monthly premium BowtieCash to minimize your future medical costs!
[Applicable to Flexi plan and Pink plan] Adjust the waiting period for "Unknown pre-existing conditions" to the first 180 days from the effective date of the policy. From the 181st day after the effective date of the policy, the insured get 100% reimbursement for eligible medical expenses for "Unknown pre-existing conditions"
[Applicable to Pink plan] Increase the Benefit Limit of Bowtie Pink - Private Room, Annual Benefit Limit increased from HK$10,000,000 to HK$20,000,000; and Lifetime Benefit Limit increased from HK$50,000,000 to HK$80,000,000
[Applicable to Pink Plan] Simplified the age condition of reducing the deductible options without re-underwriting. Where the relevant policy has been in force for 2 consecutive years or more, the policyholder can request to reduce or cancel the deductible not less than 30 days prior to the Renewal Date on or immediately following the date that the Insured Person attains the Age of 55, 60, 65, 70, 75 or 80.

Learn more on blog

and

Read amendment PDF

🌟

2022

Free upgrade on Bowtie Pink VHIS benefit

Increasing the benefit limit of Day Case Procedure Cash Benefit to better protect you against the loss of income during procedure.
Increasing the number of prior outpatient visits or Emergency consultations for Pre-Confinement/Day Case Procedure Outpatient Care to encourage you getting a second medical opinion, so customers can make more informed decisions for better treatment outcomes.
Adjusting the Waiting Period and Reimbursement Arrangement of Unknown Pre-existing Conditions (i.e. Enjoy 100% reimbursement starting from the second policy year).

Learn more on blog

and

Read amendment PDF

Learn more →

FAQ

Have questions about Bowtie's products? Our Product Specialists can assist you!

Providing you with personalized product consultations and commission-free!

Service Hours: 9:30 am to 6:30 pm, Monday to Friday 
Closed on Saturdays, Sundays, and Public Holidays

By scheduling a consultation or WhatsApp inquiry, you acknowledge that you have read Bowtie's Personal Information Collection Statement and agree to the use of your personal data for contact.

Schedule Consultation WhatsApp

For inquiries regarding existing policies, please contact our Customer Service Department:
Hotline: 3008 8123 | Email: cs@bowtie.com.hk | Click “Live Chat” at the bottom right corner

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

Bowtie Life Insurance 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.If you see a "+" symbol, you can click on it to view more information.tions of the product, key risks, and exclusions, please refer to the policy.Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only.If you see a "+" symbol, you can click on it to view more information.



Remarks

¹ According to the results of Bowtie’s market survey conducted on December 7, 2023 on similar VHIS flexi plans, Bowtie VHIS Flexi Regular offers relatively lower monthly premiums for non-smokers aged 0 to 3 and 7 to 99. The coverage and sum insured of different medical insurance plans can differ. For details, please refer to the relevant policy and its terms and conditions.
^‍2 The above comparison takes into account VHIS Flexi plans with an annual coverage amount ranging from HK$520,000 to HK$600,000 with additional medical benefits, and the monthly premiums are calculated based on the rates for a non-smoking male of that age. According to the results of Bowtie’s market survey conducted on February 10, 2022 on similar VHIS flexi plans, Bowtie’s VHIS—Flexi Plan ranks third in the market for the number of additional benefits, and Bowtie’s “Prescribed Diagnostic Imaging Test” benefit limit is the highest in Hong Kong.
³ The reimbursement rates provided are as of September 2021 and are for reference only. Actual reimbursement rates may vary depending on the severity of the case, required treatment, and actual medical expenses.
⁴ Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie Cancer Fighter 300.
⁵BowtieCash Program applies to Bowtie VHIS plans only. BowtieCash can only be used to pay for eligible medical costs that exceed the VHIS plan coverage and health services redemption. It is not a cash reward program and does not form a part of the Bowtie VHIS plan.
⁶ The Cashless Settlement Service is only available for inpatient treatment and must be pre-approved by Bowtie. For details of the terms and conditions of service, please refer to the relevant website.
⁷ The Global Emergency Assistance Service is provided by a third party service provider and does not form part of the Bowtie Voluntary Health Insurance Scheme. Bowtie reserves the right to modify the content of global emergency support services and will not be responsible for the services provided by third-party service providers. There is no additional premium required for these services.
⁸ The above is the average approved claim rate for Bowtie VHIS "Standard", "Flexible - Regular", "Flexible - Upgrade" and Bowtie Pink as of August 2023.
⁹According to data analysis by YouGov, an international market research organization, Bowtie has been the "Insurance brand with the most customers considering it to be good value for money" in Hong Kong for two consecutive years since 2021. Value for money doesn’t just mean “cheap”, but means that it can bring value and services to consumers that are equivalent to the price.
¹⁰Such full reimbursement subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The designated hospital will submit the pre-approval application in response to the selected medical packages for inpatient treatments for the cashless settlement service to Bowtie on your behalf, in which the cashless settlement Service is subjected to Bowtie's approval. For the service terms and conditions, please refer to the relevant website.

^ As of November 2022, the reimbursement rate for Bowtie VHIS Flexi Regular is 90%.
# Psychiatric treatments, rehabilitative care and medical negligence benefit under the Bowtie VHIS Flexi Plan is only available in Hong Kong.
* Terms and Conditions apply

Bowtie VHIS Flexi

Product Highlights

Lower premiums compared to similar products in the market¹

$0 deductible Empirical data shows that nearly 90% of medical expenses can be covered^

Supplementary Major Medical (SMM) offers additional coverage with fewer gaps

Lower Premiums¹

Pay claim from the first dollar without deductible. Up to 90% coverage^{^}

Average reimbursement ratio³

Ben

Flora

Supplementary Major Medical (SMM) benefit offering additional coverage

Ben

Flora

Comprehensive Medical Coverage

One Plan. Two FLEXIble Options

Mix and match to fill protection gaps

Additional support