Best Value
Best Value
Cover 90% of your medical expense on common conditions without deductible^

Limited time offer

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 3rd 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.

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
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.
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.

Basic Benefit Limit
No lifetime limit

SMM Limit

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

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?

Detailed Benefit Schedule

Mix and match to fill protection gaps

Extra Health and Medical Coverage

Add on $200/month

Bowtie x Designated Hospital
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
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.
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.
24 - hour Global
Emergency Assistance
7
In the event of an emergency during a business trip or holiday, call the 24-hour worldwide emergency hotline for assistance.
NEW No-Claim Rewards 5
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 6
Applicable to all private hospitals in Hong Kong. Let you focus on getting treated.
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.
NEW 24h Worldwide Emergency Assistance Service 7
Access to emergency assistance while traveling abroad just by one call.

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

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

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!

Highly Recognised by Our Customers

20,000+
Bowtie VHIS customers
98.9%
Ratio of approved VHIS claims 8
93%
Customer service satisfaction rating
2021-2022
90%
Successful self-service online application
Need any assistance? Contact customer services →
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.
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.
5 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.
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.
9 According 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.
10 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.

^ 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