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 Standard

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



Features Coverage Benefit Items Product Information FAQ Need help?

Quote now

Product brochure

Premium Schedule

1-minute underwriting test

Affordable coverage — for the long term

Save an average of 29% on premiums1
Based on a 30-year comparison of current standard premiums

*Based on the average current standard premiums of comparable VHIS Standard Plans as of November 2025. This calculation is for reference only. Actual premiums may change over time due to inflation, underwriting and other factors. The Insurance Authority's premium levy is payable in addition.

什麼是自願醫保靈活計劃？問 AI

Straightforward claims — we won't use fine print to reject your claim⁺

98.3% claims approval rate, ahead of the industry^{^}

What makes our claims service work so well?

One-to-one support from a Claims Specialist

Support until 3am. Median claims assessment time: 6 working days²

Service hours: Monday to Friday, 9:30am to 3am the following day
(excluding public holidays)

24-hour worldwide emergency assistance³ ↗

Cover when you travel or move abroad, subject to policy terms⁴

Cashless discharge⁵ ↗

‍Available at all private hospitals in Hong Kong

Warren

Product Specialist

什麼是自願醫保 (靈活計劃)？問 AI

No deductible. Coverage from the first dollar

Day surgery and MRI, CT and PET scans
are covered too

How much can you claim for different conditions? +

Diagnosis and tests

CT, MRI and PET scans (prescribed diagnostic imaging tests)
Outpatient or emergency consultations before hospitalisation or day surgery (excluding routine consultations for colds and flu)
Complimentary BowtieGo membership: unlimited outpatient visits at up to 50% off⁶

Hospitalisation

Room and board
Attending doctor's visit fees
Specialist's fees
Targeted therapy, chemotherapy, radiotherapy and proton therapy, among others (non-surgical cancer treatments)
Psychiatric treatment
Intensive care (ICU)
Miscellaneous hospital charges

日間手術 如內窺鏡檢查、白內障手術

Day surgery / inpatient surgery

Surgeon's fees
Anaesthetist's fees
Operating theatre charges

Follow-up care

Follow-up consultations after discharge or surgery (including specialist consultations and physiotherapy)

💡

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

Benefit schedule

Plan

Standard Plan

Recommended room class

Ward
(usually 4 to 8 people per room)

Basic benefit limit

No lifetime benefit limit

$420,000/year

Premium

Based on a 30-year-old non-smoking male

From $138/month

Want to explore other VHIS plans?

All Bowtie plans ↗Compare with other insurers ↗
(Chinese only)

除咗價錢之外，仲有咩唔同嘅地方？問 AI

Rated 4.6 ⭐ on Google by our customers

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.

Medical insurance with extra health benefits

Earn 8% in BowtieCash after 6 months without a claim
Use it towards eligible medical costs your plan doesn't fully cover⁷

Learn more →

Automatic coverage upgrades for 7 consecutive years

Learn more →

Jacky

Chief Medical Officer

Unlimited outpatient visits
at up to 50% off

Learn more →

Limited Offer

John Tsang

Senior Adviser

Before you apply

Coverage includes

未知已有疾病 即受保人在投保時，已存在而當時未有為意的健康狀況，例如投保後才確診的已有病症並接受治療。

先天性疾病 可保障年滿 8 歲或以後出現或確診的先天性疾病

at the time of application, and

No waiting period. Level Up!

Unknown pre-existing conditions are subject to a waiting period.
From day 91 after the policy takes effect, the reimbursement percentage is 100%, subject to the plan's benefit limits and terms.

Policy terms explained →

Guaranteed lifetime renewal

保障全球適用 指若受保人要移民，保費或會按日後移居地區的潛在風險而調整。有關詳情，請致電 3008 8123 聯絡 Bowtie 客戶服務部

Full reimbursement excludes treatment in the United States and at non-designated hospitals in Mainland China.
Psychiatric treatment is covered in Hong Kong only.

Monthly payments

Have an existing medical condition? Answer a few questions for an initial indication of whether we can cover you. The check covers 39 common conditions.

Take the underwriting test →

These results are a guide only. Our final underwriting decision depends on your full health declaration.

Download product documents

Product Documents

Product brochure (Chinese only)

Premium Schedule—Standard

Terms and Conditions

Supplement No. 1-3

Key Risks and Policy Exclusions

Benefit Schedule

Standard - Benefit Schedule

Renewal

There will be no re-underwriting at renewal, nor will changes in the insured person's health lead to an increase in the loading rate or additional case-based exclusions.
At renewal, we reserve the right to amend the policy terms and conditions, including the prevailing premium schedule, subject to prior approval from the Health Bureau.

Policy cancellation

Please give us at least 30 working days' notice to cancel the policy.

Policy cooling-off period

A 21-day cooling-off period applies. Cancelling within this period entitles you to a full refund of premiums paid.

Tax deduction

Premiums qualify for a tax deduction of up to $8000. Please refer to the official VHIS website for details

Key exclusions

Under this plan, Bowtie will not pay any benefit in relation to or arising from the following:

Treatments, procedures, medications, tests or services which are not Medically Necessary;
Confinement solely for the purpose of diagnostic procedures or allied health services, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time eat which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth)
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 transmitted disease or its sequelae;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured 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 or contact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
Experimental or unproven medical technology or procedure in accordance with the common standard, 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 Person attained 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; or
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 theTerms and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS registration details

Name of VHIS certified plan :
Bowtie VHIS Standard
VHIS certification number：
Available for new application
S00023-01-000-03
Not available for new applications
00023-01-000-02
S00023-01-000-01
VHIS Provider Registration No.：
00023
Registration Effective Date：
21 March 2019

產品文件下載

保單條款及細則

第一至第三補充文件

產品風險及主要不保事項

Benefit schedule (including the schedule of surgical procedures):
Ward

Benefit schedule (including the schedule of surgical procedures):
Semi-private room

Benefit schedule (including the schedule of surgical procedures):
Private room

FAQ

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 VHIS Standard 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.

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Remark

^Based on publicly available information, as of April 2025, the average approval rate for claims under Bowtie VHIS Standard Plan, Flexi Plan (Regular), Flexi Plan (Plus) and Bowtie Pink was 98.3%, higher than the VHIS market's annual average claims approval rate from April 2019 to the end of 2023.
⁺Bowtie follows the principle of paying all claims that should be paid. All claims remain subject to the policy terms and conditions, including coverage, reasonable and customary charges, and disclosure requirements.
1 Based on Bowtie's market survey of comparable VHIS Standard Plans conducted on 19 November 2025. The plans must cover ward accommodation and have a room and board benefit limit of $800 or less. The comparison uses premiums for non-smoking men aged 30 to 59 and compares the average cumulative current standard premiums of these comparable plans over 30 years. The premiums above have been rounded. Different medical insurance plans offer different coverage and benefit amounts. Please refer to the relevant policies and their terms and conditions for details. These premium calculations are for reference only. Your actual premium is affected by time, inflation, underwriting and other factors, and the premium levy collected by the Insurance Authority must be added.
2 From December 2024 to November 2025, the median assessment time for Bowtie VHIS claims was 6 working days. Actual claim outcomes and processing times depend on individual circumstances, health conditions and the documents submitted.
3 Worldwide emergency assistance services do not form part of Bowtie VHIS and are provided by a third-party service provider. We reserve the right to change these services and accept no liability for services provided by the third-party provider. No additional premium is required for these services.
4 Psychiatric treatment under Bowtie VHIS Standard Plan is available in Hong Kong only. If the insured person emigrates, we will assess the application and respond as soon as possible. Premiums may be adjusted according to the potential risks of their future place of residence. For details, please contact Bowtie Customer Service on 3008 8123.
5 The cashless service applies to inpatient treatment only and requires prior approval from Bowtie. For the service terms and conditions, please refer to the relevant application form.
6 BowtieGo is a wellness membership plan managed by Bowtie Life Insurance Company Limited. Its outpatient services are not an insurance product.
7 The BowtieCash customer rewards programme is a benefit available only with Bowtie VHIS. It may only be used to pay eligible medical expenses exceeding the amount reimbursed under Bowtie VHIS and to redeem health check-ups. It is not a cash rewards programme and does not form part of Bowtie VHIS.

Bowtie VHIS Standard

Save an average of 29% on premiums1Based on a 30-year comparison of current standard premiums

98.3% claims approval rate, ahead of the industry^

Day surgery and MRI, CT and PET scansare covered too

Benefit schedule

Rated 4.6 ⭐ on Google by our customers

Medical insurance with extra health benefits

Before you apply

Download product documents

Product Documents

Renewal

Policy cancellation

Policy cooling-off period

Tax deduction

Key exclusions

Bowtie VHIS registration details

產品文件下載

FAQ

Talk to a real person

Not sure which product is right for you?

Product & policy service enquiries

Save an average of 29% on premiums1
Based on a 30-year comparison of current standard premiums

98.3% claims approval rate, ahead of the industry^{^}

Day surgery and MRI, CT and PET scans
are covered too