Certified plan under Voluntary Health Insurance Scheme (VHIS)

Bowtie VHIS Standard

Get insured in as fast as 10 minutes
Monthly premium from only $100*
Successfully enroll with promo code “BOWTIE” & get $2,000 BowtieCash#
Quote Now

*Monthly premium for VHIS Standard Plan for a 20-year-old male non-smoker is $95

Why you should choose Bowtie?

  • Fully End-to-End Digital VHIS Experience from initial application and online underwriting, to making a claim, everything can be done on your smartphone

  • Claim Assistance — a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims

  • BowtieCash Program — unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program

  • Qualified doctor and nurse concierge services — provide professional second medical opinion, explanation of treatment, hospital information and health tips

  • Customer Service Center — adjacent to the MTR station, our professional customer service experts are devoted to serve you

Bowtie offers competitive premium rates

  • Bowtie is the first virtual insurer in Hong Kong. We leverage technology to greatly reduce administrative and operational costs. Customers need not to pay commission during application.

  • For males aged 18 to 62, Bowtie VHIS Standard premium rates are the lowest among all providers. ^

  • For females aged 50 to 65, Bowtie VHIS Standard premium rates are the lowest among all providers. ^

  • For females aged 19 to 34, Bowtie VHIS Standard premium rates are the 2nd lowest among all providers. ^

^Based on information from Food and Health Bureau website, as of March 29, 2019

VHIS - Premium calculator

VHIS at a glance

Essential Medical Protection

Covers common hospitalization expenses
Surgeon's fee, anaesthetist's fee and operating theatre costs
Guaranteed renewal up to age 100

New Benefit Items

Psychiatric treatment
Unknown pre-existing conditions
Diagnostic imaging tests such as CT, PET and MRI
(Note: reimbursement covers only 70% of expenses)

Advantages of Bowtie VHIS

Certified and administered by the FHB
Choose with Confidence
Up to $8,000 tax deduction for premiums paid
Bowtie medical experts on standby during claim process

Plan Details

Benefit items (1)

Benefit limit (in HKD)

(a) Room and board

$750 per day - Maximum 180 days per Policy Year

(b) Miscellaneous charges

$14,000 per Policy Year

(c) Attending doctor's visit fee

$750 per day - Maximum 180 days per Policy Year

(d) Specialist's fee (2)

$4,300 per Policy Year

(e) Intensive care

$3,500 per day - Maximum 25 days per Policy Year

(f) Surgeon's fee

Per surgery, subject to surgical category for the surgery/procedure in the Schedule of Surgical Procedures –
- Complex $50,000
- Major $25,000
- Intermediate $12,500
- Minor $5,000

(g) Anaesthetist's fee

35% of Surgeon's fee payable (5)

(h) Operating theatre charges

35% of Surgeon's fee payable (5)

(i) Prescribed Diagnostic Imaging Tests (2)(3)

$20,000 per Policy Year Subject to 30% Coinsurance

(j) Prescribed Non-surgical Cancer Treatments (4)

$80,000 per Policy Year

(k) Pre- and post-Confinement/Day Case Procedure outpatient care(2)

$580 per visit, up to $3,000 per Policy Year
- 1 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)

(l) Psychiatric treatments

$30,000 per Policy Year

Other benefits


Total and Permanent Incapacity income benefit(6)

(a) Room and board

Upon each time the Insured Person suffers from Total andPermanent Incapacity –
- $500 per week
- payable for 52 weeks

Other limits


Annual Benefit Limit for benefit items (a) – (l)

$420,000 per Policy Year

Lifetime Benefit Limit for benefit items (a) – (l)


For reference only. Please refer to the below documents for details.

VHIS Provider Registration No.: 00023
Registration Effective Date: 21 March 2019

(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(2) 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.
(3) 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.
(4) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(5) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(6) Please refer to Supplement No. 1 for details.
More product information
Type of VHIS certified plan

Standard Plan

VHIS certification number


Policy currency


Area of Coverage (1)


(1) Except for psychiatric treatment, all benefits shall be applicable worldwide.

Key Exclusions

Items listed below are for reference only. Please refer to the attached document for details:

Key Product Risks and Key Exclusions

1. Congenital conditions manifested or diagnosed before the Insured Person
attained age 8.
2. Treatments, procedures, medications, tests or services which are not medically necessary.
3. Dental treatment, traditional Chinese medicine treatment, medical services relating to maternity conditions, services for correcting visual acuity, beautification or cosmetic purposes.
4. Treatments relating to Human Immunodeficiency Virus (HIV) (except where HIV is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth)
5. Self-inflicted injuries or attempted.

Important Product Information

Product Category
Voluntary Health Insurance Scheme (VHIS) Standard Plan – Inpatient medical reimbursement plan certified by the Food and Health Bureau
Issue Age
15 days – age 80
Period of Cover
1 year – Guaranteed annual renewal up to age 100
Waiting Period
  • 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.
Cooling-off Period
21 days
Within the cooling-off period, you may cancel the Plan and receive a full refund of premium
Policy Cancellation
You may request cancellation of the Plan by giving at least 30 days prior notice.
Tax Deduction
Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. For details: https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.html
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.
Remarks -
#From 1 Jan 2021 to 28 Feb 2021, $2,000 BowtieCash will be awarded to new customers who successfully enroll in any Bowtie VHIS plan and use promo code "BOWTIE" at checkout.
New customers refer to the insured persons who have never held any Bowtie VHIS plan currently or in the past.
BowtieCash allows you to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program.