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 Product information FAQ Need help?

Quote Now

Premium Schedule

限時優惠

Affordable Coverage – Built for the Long Term

Save 38% on Premiums on Average2
Great Value for 30 Years

*The above premium comparison data is based on the average current standard premiums of similar VHIS Flexi Plans as of March 2026. The calculation is for reference only. Your actual premium may be affected by factors such as time, inflation, and underwriting, and is subject to the premium levy collected by the Insurance Authority.

什麼是自願醫保靈活計劃？問 AI

Smooth Claims – No hidden tricks, no fine print excuses to deny your claim

98.3% Claim Success Rate, Above Industry Average^{^}

Why Is Our Claim Experience So Seamless?

1-on-1 Claims Specialist

End-to-end support, claims completed in 6 days on average³

24 - hour Global Emergency Assistance⁴↗

Covered worldwide, even when traveling or relocating⁵

Cashless Settlement Service⁶ ↗

Applicable to all private hospitals in Hong Kong

什麼是自願醫保 (靈活計劃)？問 AI

Comprehensive Medical Coverage

Covering Day Surgeries and MRI/CT/PET Scans

Compare claim ratio +

Symptom onset/ diagnosis

Prescribed diagnostic imaging tests (i.e. CT Scan, MRI Scan, PET Scan)
Pre-hospitalisation/pre-operative outpatient and emergency clinic visits (excluding general consultations like common cold)
Accident emergency outpatient treatment
Bonus: BowtieGo Outpatient Benefits
Unlimited medical consultations at up to 50% off ⁷

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
Hospital companion bed
Intensive care
Miscellaneous charges

日間手術 如內窺鏡檢查、白內障手術

Day/Inpatient Surgery

Surgeon’s fee
Anaesthetist’s fee
Operating theatre charges (i.e. Gastroscopy, colonoscopy etc)
Day case procedure cash benefit

Post-recovery follow-up

Post-confinement/day case procedure outpatient care
Outpatient kidney dialysis (i.e. Dialysis)
Rehabilitative care
Post-confinement daily home nursing

💡

計劃保唔保日間門診？
請留意計劃並不保障日間普通科、專科、中醫等門診費用。
但隨計劃附送的 BowtieGo 門診服務，可讓你以低至半價睇門診醫生，並毋須額外申請索償。

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

✓

計劃包唔包手術或者住院？問 AI

One Plan. Two FLEXIble Options

Recommended Room Class

Basic Benefit Limit

No lifetime limit

SMM Limit

With 20% coinsurance and only applies to the benefit items marked SMM in this plan.

Premium

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

Flexi Plan (Regular)

🔥Top Picks

Flexi Plan (Plus)

Ward Room (typically accommodates 4 to 8 people)

Semi-private Room (1 to 3 people per room with better privacy)

$600,000/ year

$1,000,000/ year

$120,000/ year

$220,000/ year

From $254/ month

From $433/ month

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

All Bowtie Plans ↗

詳細保障表 

想搵其他保障程度的醫保? Bowtie 另設有高端自願醫保 Bowtie Pink 計劃及自願醫保 - 標準計劃。

比較計劃 →

除咗價錢之外，仲有咩唔同嘅地方？問 AI

Trusted by Real Customers: 4.6 ⭐ on Google

Why You Can Trust Bowtie

Total Customers

150,000+

FT High-Growth Companies Asia-Pacific 2026#

直銷保單數目 No.1 2025
第一季, 2024-2021

Gabriel Kung, Chief Commercial Officer
‍

Total Funding Raised

HK$1.2 Billion

直銷保單數目 No.1 2025
第一季, 2024-2021

Michael Chan, CEO & Co-Founder of Bowtie
Clement Lam, CEO of Sun Life Hong Kong Limited and Non-Executive Director of Bowtie
Fred Ngan, Co-Founder of Bowtie(from left to right)

5 Consecutive Years of Hong Kong Sales Leadership

No.1

No.1 in Number of Direct Business Policies 2021–2025*

直銷保單數目 No.1 2025
第一季, 2024-2021

John Tsang, Senior Advisor

#Based on the “FT High-Growth Companies Asia-Pacific” rankings jointly compiled by the Financial Times and Statista for 2 consecutive years (2025 and 2026), where Bowtie ranked No.1 among shortlisted Hong Kong companies in revenue growth.
*According to the provisional statistics on long term insurance business released by the Insurance Authority, Bowtie Life Insurance ranked the highest among all virtual insurers in Hong Kong in terms of number of new policies sold through direct marketing channels from 2021 to 2025 annually.

Product Information

Eligible for persons aged 15 days to age 80

unknown pre-existing conditionsare 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)⁵

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
F00031-01-000-08 (Flexi Regular Plan)
F00031-02-000-08 (Flexi Plus Plan)
Not available for new application
F00031-01-000-07 (Flexi Regular Plan)
F00031-02-000-07 (Flexi Plus Plan)
F00031-01-000-06 (Flexi Regular Plan)
F00031-02-000-06 (Flexi Plus Plan)
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.

Does it cover pre-existing conditions? Ask AI

More Than Insurance. It’s Health Protection.

Earn BowtieCash with No ClaimsRedeem for Free Health Services
Or Settle Your Claim Balance⁸

Learn more →

Coverage Auto-Upgrades for 5 Consecutive Years
To keep your claims hassle-free

Learn more →

Unlimited Outpatient Services
At up to 50% Off

Learn more →

FAQ

Limited-time Top up at only HK$140/month
Enjoy Annual Health Check-up Package and Optional Items

(Valued up to HK$4,220)

Gleneagles CUHKMC

Hong Kong Island

Learn more →

A. Core Health Check-up (Valued up to HK$2,720)



^#Items only applicable to persons aged 18 or above

Items

Detailed Medical History
(Includes lifestyle factors & family medical history)

General Health Assessment

Blood Pressure, Height, Weight
BMI and Waist Circumference

Eye Examinations

Visual Acuity
Color Vision

Cardiac Examinations^#

Electrocardiogram (ECG)

Blood Analysis^#

Complete Blood Count

Renal Function^#

Urea
Creatinine

Liver Function^#

S.G.O.T. (AST)
S.G.P.T. (ALT)
Alkaline Phosphatase

Diabetes Screening^#

Glucose (Fasting)

Lipid Profile^#

Total Cholesterol
HDL Cholesterol
LDL Cholesterol
Triglycerides

Urine Routine Examination

Urine Routine

Stool Test

Occult Blood (Aged 18 or above)

Stool Routine (Ova and Cysts) (Aged under 18)

Tumour Markers^#

PSA (Male)
CA15.3 (Female)

Medical Consultation and Report Analysis

B. Optional Healthcare / Medical Services (Valued at HK$1,500)



Entitled to 1,500 BowtiePoint (valued at HK$1,500) each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up.

Items

=BowtiePoint required

The following Optional Health Check Items must be used with the 18+ Health Screening Package.

Liver Function (Extended Profile)

1,500

HAVAb

HBsAg

HBsAb

Total Protein

Globulin

Albumin

Total Bilirubin

Direct Bilirubin

Gamma GT

Thyroid Function

500

TSH

Free T4

Electrolytes 1

300

Sodium

Potassium

Chloride

Electrolytes 2

500

Total Calcium

Corrected Calcium

Phosphorus

Tumour Markers Panel

1,500

Alpha Fetoprotein (AFP)

Carcinoembryonic Antigen (CEA)

Epstein-Barr Virus

Other Tumour Markers

600

CA125 (Female)

Liquid Based Pap Test (Female) (Doctor fee included)

500

Diabetes Screening

300

HbA1c

The following Optional Health Check Items can be used separately from a Health Screening Package.

GP Consultation — no age limitation

500

GP consultation in Gleneagles Medical Clinic Central, Hong Kong (including 3-day basic medication)

Professional Nutrition Consultation (2 sessions) — aged 12 or above

900

Registered dietitian review of past medical history, eating habits & nutritional needs

~45-min 1-on-1 professional nutrition consultation

Bioelectrical Impedance Analysis (BIA) body composition (body fat %, visceral fat, muscle mass, basal metabolic rate)

Individualised diet advice

Vision Care — aged 4 or above

300

Case history

Visual acuity

Refraction

Binocular vision

Color vision

Intra-ocular pressure

Fundus photo taking OR cycloplegic refraction (either one, depending on individual case)

Eye-care information

Follow-up plan suggestion

Get 1) an HK$500 Cash Benefit1 and 2) Full Cover2 (applicable to Flexi Plan customers only) for the [249] designated “All-inclusive Fixed Price Medical Packages”^ and “Histotripsy treatment - Liver cancer treatment package” of GHK.

The designated “All-inclusive Fixed Price Medical Packages” cover [11] specialties including General Surgery, Cardiology / Cardiothoracic Procedures, Gynecology, Ophthalmology, Orthopedics, Ear, Nose & Throat (ENT), etc., as well as Endoscopy. Each package includes the doctors’ fees, room charges and all other procedure-related standard items and drugs. The costs related to complications are also covered (including intensive care and re-operation charges).

💡 Bowtie Pink already fully covers the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark 
^ The Insured Person must agree to, and be bound by, the terms and conditions set by GHK for the relevant services and packages, as well as GHK's other applicable service terms and conditions, when redeeming Optional Health Check Items at GHK, or when using health check-related services or Designated Medical Packages. 
¹ Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
² Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person’s VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to GHK directly for all the fees that have not been pre-approved by Bowtie before discharge.

Cashless settlement for all designated medical packages can be processed without needing you to submit any pre-approval application³.

By presenting the page after logging into the Bowtie online platform that indicates your rider during a pre-surgery medical consultation, the hospital will directly submit a pre-approval application in respect of the designated medical package(s) to Bowtie on your behalf. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
³GHK will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

New Territories

Learn more →

A. Core Health Check-up (Valued up to HK$1,910)



Items only applicable to persons aged 18 or above

Items

Physical Examination

Blood Pressure, Height, Body Weight, Body Mass Index (BMI), Waistline

Medical Consultation and Examination by a Family Physician

Urinalysis

Urine Routine

Coronary Artery Disease Risk Assessment

Lipid Profile
Total Cholesterol
High-density Lipoprotein & Low-density Lipoprotein Cholesterol
Non-high-density Lipoprotein Cholesterol
Triglycerides
Total Cholesterol / HDL ratio

Diabetes Assessment

Fasting Blood Sugar

Liver Function Test

Aspartate Aminotransferase (AST/SGOT)
Gamma-glutamyl Transferase (GGT)

Renal Function Test

Creatinine

Gout Screening

Uric Acid

Report Explanation by Family Physician

B. Optional Healthcare / Medical Services (Valued at HK$1,500)



Entitled to 1,500 BowtiePoint (valued at HK$1,500) each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up. Optional Health Check Items must be used in conjunction with the Core Health Check-up.
Items only applicable to persons aged 18 or above

Items

=BowtiePoint required

C-Urea Breath Test

800

Hep A Antibody (IGG)

+ HBsAg

+ HBsAb

700

Rest ECG

600

Cancer Antigen-125 (For Ovarian Cancer)

700

Prostate Specific Antigen, PSA (For Prostate Cancer)

600

Pap Smear

600

Carcinoembryonic Antigen, CEA

(For Lung Cancer, Gastric Cancer, Colorectal Cancer, Ovarian Cancer, Breast Cancer, etc)

700

Vitamin D (Bone Function Test)

700

Thyroid-stimulating Hormone, TSH

(For Thyroid Function)

500

Glycated Hemoglobin, HbA1C

(For Diabetes)

400

AFP - alpha fetoprotein

(Liver cancer)

500

Chest X Ray

300

Chlorides

(Renal Function Test)

200

Sodium

(Renal Function Test)

200

Potassium

(Renal Function Test)

200

Fecal Occult Blood Test, FOBT

(For Colorectal Cancer)

200

Bone Density Test (DEXA)

- Spine & Hips

(Bone Function Test)

1,000

EBV DNA

(For Nasopharyngeal Carcinoma)

800

Pap Smear

+ HR-HPV DNA

1,300

Stool

(Routine Test)

200

Breast Ultrasound

1,500

2D Mammogram

1,500

Get 1) an additional HK$500 Cash Benefit¹ and 2) Full Cover² (applicable to Flexi Plan customers only) for the designated [139] day procedure and [228] inpatient operation/procedure packages named “CUHKMC Medical Packages” (CMP).
‍
‍The designated “CUHKMC Medical Packages”^ cover [7] specialties, including General Surgery, Gynecology, Ophthalmology, Orthopedics, and endoscopy procedures. Each package includes all doctors’ fees and all hospital charges for procedure-related standard items and drugs, which also cover expenses over complications and intensive care arising from the operation/procedure.

💡Bowtie Pink already fully covers the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark
^The Insured Person must agree to, and be bound by, the terms and conditions set by CUHK Medical Centre for the relevant services and packages, as well as CUHK Medical Centre's other applicable service terms and conditions, when redeeming Optional Health Check Items at CUHK Medical Centre, or when using health check-related services or Designated Medical Packages.
1 Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
² Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person's VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to CUHK Medical Centre directly for all the fees that have not been pre-approved by Bowtie before discharge.

Cashless settlement for all designated surgery/procedure packages can be processed without needing you to submit any pre-approval application³.

By presenting the post-login page of the Bowtie online platform to show that you hold this Wellness Package during a pre-surgery medical consultation at CUHK Medical Centre, the hospital will directly submit a pre-approval application to Bowtie on your behalf for the Designated Medical Package(s) you have selected. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
³CUHK Medical Centre will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

Talk to a real person

Bowtie product specialist wearing a headset

Bowtie customer service specialist wearing a headset

Sun, Warren

Product Specialist

Not sure which product is right for you?

We offer commission-free, 1 on 1 product consultations to genuinely help you choose the right coverage!

Consultation booking hours:

Mon–Fri: 9:30am–6:30pm
Closed on Sat, Sun & public holidays

Book now

Product & policy service enquiries

Coverage details, existing policies, application status, underwriting questions

Phone / WhatsApp service hours:

Mon–Fri: 9:30am–6:30pm
Sat & Sun: 2:00pm–6:00pm
(WhatsApp enquiries only)
Closed on public holidays

Call 3008 8123

or WhatsApp

Live Chat: click "Chat" at the bottom-right of the page

or email cs@bowtie.com.hk

By booking a time, you confirm you have read Bowtie's Personal Information Collection Statement and consent to the use and transfer of your personal data in accordance with it for the purpose of this enquiry.

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 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 January 13, 2026 on similar VHIS flexi plans which cover Ward room level, provide "Supplementary Medical Benefit", and have a "Room and Board" item limit ranging from $800 to $1,200, Bowtie VHIS Flexi Regular offers relatively lower total premiums for non-smoking males aged 0 to 80. The coverage and sum insured of different medical insurance plans can differ; please refer to the relevant policy and its terms and conditions for details.
^ According to publicly available information, as of April 2025, the average approved claims ratio for Bowtie VHIS "Standard", "Flexi-Basic" (Flexi Regular), "Flexi-Upgrade", and Bowtie Pink was 98.3%, which is higher than the annual average claims success rate of the VHIS market from April 2019 to the end of 2023.
² According to the results of Bowtie’s market survey conducted on March 17, 2026 on comparable VHIS Flexible plans in the market that are also ward room level, with "Supplementary Major Medical (SMM)" benefit, and with a "Room and Board" limit between $800 and $1,200, Bowtie offers relatively lower total premiums for non-smoking males aged 35 to 65, calculated based on the average value of total premiums. The premiums above are rounded off. The coverage and benefit amounts of different medical insurance plans can differ; please refer to the relevant policy and its terms and conditions for details. The premiums calculated above are for reference only. The actual premium you need to pay is affected by factors such as time, inflation, and underwriting, and is subject to the premium levy collected by the Insurance Authority.
³ From December 2024 to November 2025, the median approval time for Bowtie VHIS claim cases was 6 working days. Actual claim results and processing time may vary depending on individual circumstances, health conditions, and the documents submitted.
⁴ 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.
⁵ Psychiatric treatments, rehabilitative care and medical negligence benefit under the Bowtie VHIS Flexi Plan is only available in Hong Kong. If the Insured Person intends to emigrate, we will reassess the application and reply with the results as soon as possible; the premium may be adjusted based on the potential risks of the destination region in the future. For details, please contact Bowtie Customer Service at 3008 8123.
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 service application form.⁷ BowtieGo is a healthy living membership program managed by Bowtie Life Insurance Company Limited. Its outpatient services do not constitute an insurance product. The actual amount payable for member exclusive price depends on the doctor and the actual medical needs.⁸ BowtieCash 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.
⁷ BowtieGo is a healthy living membership program managed by Bowtie Life Insurance Company Limited. Its outpatient services do not constitute an insurance product. The actual amount payable for member exclusive price depends on the doctor and the actual medical needs.
⁸ BowtieCash 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.

Bowtie VHIS Flexi

Save 38% on Premiums on Average2Great Value for 30 Years

98.3% Claim Success Rate, Above Industry Average^

Covering Day Surgeries and MRI/CT/PET Scans

One Plan. Two FLEXIble Options

Trusted by Real Customers: 4.6 ⭐ on Google

Product Information

Product Documents

Renewal

Policy Cancellation

Cooling-off Period

Tax Deduction

Policy Exclusions

Bowtie VHIS Registration Information

More Than Insurance. It’s Health Protection.

FAQ

Limited-time Top up at only HK$140/monthEnjoy Annual Health Check-up Package and Optional Items

Talk to a real person

Not sure which product is right for you?

Product & policy service enquiries

Save 38% on Premiums on Average2
Great Value for 30 Years

98.3% Claim Success Rate, Above Industry Average^{^}

Limited-time Top up at only HK$140/month
Enjoy Annual Health Check-up Package and Optional Items