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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.
Bowtie VHIS Flexi Plans premiums are lower than some VHIS Standard Plans from other insurance companies while offering more coverage.
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.
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.
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.
Flexi covers 10 additional enhanced benefits including accident emergency outpatient treatments, rehabilitative care, post-hospitalization daily home nursing fee and more.
Both annual benefit limit for Flexi as well as the limit for each benefit item are higher than the Standard Plan.
Bowtie VHIS Flexi Plans fully cover standard medical expenses including the following.
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.
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.
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.
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.
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.
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 fully covers most standard medical treatments including surgery expenses and common hospitalization charges.
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
For those who prefer Semi-Private rooms, Flexi Plus offers more coverage for a premium experience.
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
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.
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
Room and board
$
1,200
/per day
Attending doctor's visit fee
$
960
/per day
Intensive care
$
3,500
/per day
-
;
Up to 60 days per year
Surgeon's fee
Complex Surgery —
$
60,000
/per session
Major Surgery —
$
30,000
/per session
Intermediate Surgery —
$
15,000
/per session
Minor Surgery —
$
6,000
/per session
Anaesthetist's fee
Complex Surgery —
$
21,000
/per session
Major Surgery —
$
10,500
/per session
Intermediate Surgery —
$
5,300
/per session
Minor Surgery —
$
2,100
/per session
Operating theatre charges
Complex Surgery —
$
21,000
/per session
Major Surgery —
$
10,500
/per session
Intermediate Surgery —
$
5,300
/per session
Minor Surgery—
$
2,100
/per session
Day Case Procedure cash benefit
$
800
/per surgery
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)
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
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
Miscellaneous Charges
$
18,000
/per year
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).
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
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.
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
Room and board
$
2,300
/per day
Attending doctor's visit fee
$
2,000
/per day
Intensive care
$
5,500
/per day
-
;
Up to 60 days per year
Surgeon's fee
Complex Surgery —
$
90,000
/per session
Major Surgery —
$
45,000
/per session
Intermediate Surgery —
$
22,500
/per session
Minor Surgery —
$
9,000
/per session
Anaesthetist's fee
Complex Surgery —
$
31,500
/per session
Major Surgery —
$
15,800
/per session
Intermediate Surgery —
$
7,900
/per session
Minor Surgery —
$
3,200
/per session
Operating theatre charges
Complex Surgery —
$
31,500
/per session
Major Surgery —
$
15,800
/per session
Intermediate Surgery —
$
7,900
/per session
Minor Surgery —
$
3,200
/per session
Day Case Procedure cash benefit
$
1,300
/per surgery
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)
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
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
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).
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
We designed Flexi with these people in mind.
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.
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.
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.
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.
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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.
All Bowtie VHIS Flexi Plans offer guaranteed lifetime renewal. As long as you pay your premiums on time, you will not lose your protection.
If medical expenses for the following items exceed the benefit limit, SMM will cover 80% of the difference up to the SMM limit.
For more information, refer to the benefit schedule for Flexi Regular and Flexi Plus.
SMM = 80% x (eligible expenses exceeding benefit limit) x (room level adjustment factor if applicable)
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.
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.
There is no age limit for a hospital companion bed. Only one hospital companion bed is covered.
Yes.
Yes.
Yes, Bowtie currently allows each insured person to have
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.
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.
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.
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:
If you provided us with your email address in your application, Bowtie customer service will be in touch to assist with your application.
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.
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.
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.
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.
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.
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).
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.
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.
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.
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.
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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