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.
Approved by the HKSAR Food and Health Bureau, Bowtie VHIS Standard Plan is a medical reimbursement insurance plan that offers standard protection for various treatments.
VHIS Standard Plans are regulated by the Food and Health Bureau, and the coverage is essentially the same across all insurance companies. Monthly premiums are therefore the key differentiating factor when choosing a provider.
With Bowtie VHIS Standard Plan, you are covered every step of the way.
Benefit amount per policy year
No lifetime limit, recalculated every year
Benefit limit for each covered item
Prescribed Diagnostic Imaging Tests
Room and board
Up to 180 days per year
Attending doctor's visit fee
Up to 180 days per year
Up to 25 days per year
Complex Surgery —
Major Surgery —
Intermediate Surgery —
Minor Surgery —
35% of Surgeon's fee payable
Operating theatre charges
35% of Surgeon's fee payable
Pre- and post-Confinement/Day Case Procedure outpatient care
$580 per visit
1 prior and 3 follow-up outpatient visits(3)
Prescribed non-surgical cancer treatment
Total and permanent incapacity income benefit
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) 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.
(3) 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).
(4) Please refer to Supplement No.1 for details.
Ward level restriction
Area of Coverage
Except for psychiatric treatment.
Hong Kong Dollar
Name of VHIS certified plan
Bowtie VHIS Standard
Type of VHIS certified plan
VHIS Provider Registration No.
VHIS certification number
S00023-01-000-02 (available for new application)
S00023-01-000-01 (not available for new applications)
Registration Effective Date
21 March 2019
If you have average medical insurance, Bowtie VHIS Standard Plan is an excellent top-up choice.
Most group medical insurance policies do not fully cover all medical expenses. To bridge the gap, you can top up your protection by purchasing an individual medical insurance plan. If you change jobs often, you can also consider Bowtie VHIS Flexi Plan.
If your medical insurance provides only basic coverage and does not fully cover all medical expenses, then you should consider purchasing VHIS Standard Plan as a complement.
VHIS Standard Plan covers a limited number outpatient care visits related to pre and post-hospitalisation and day case procedure. Prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT and PET-MRI are also covered up to 70%.
From day one, we reinvented the very structure of an insurance company and harness the latest technology. Everything is done online from initial application to underwriting to making a claim. By offering commission-free products and reducing operating costs through efficiencies, we can keep premiums at their lowest while still offering the same level of protection.
From a service standpoint, we are no different from traditional insurance companies. We also provide comprehensive and convenient customer care including claims assistance and after-sales support from our professional medical team. BowtieCash, our unique loyalty program helps relieve customers’ medical expense burden at critical moments in their lives.
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 to increase protection.
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 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.
According to the Food and Health Bureau, all VHIS Standard Plans must meet 10 minimum requirements including guaranteed renewal up to age 100 without lifetime benefit limit, coverage for hospitalization and day case procedure, pre-existing conditions and prescribed diagnostic imaging tests and more.
Yes. According to the Food and Health Bureau, not only can the policyholders claim a tax deduction on qualifying premiums up to HK$8,000 per year, they can also make deduction claims for more than one insured person without any limitation on the numbers of insured people or policies.
All Hong Kong ID holders age 18 or above are eligible for this tax benefit. For specific tax advice, please contact your tax consultant.
VHIS products are designed and regulated by the government, including coverage, benefit limit and terms and conditions. There are three key differences between VHIS and other medical insurance plans:
Yes, Bowtie currently allows each insured person to have
This Plan aims to provide coverage to Insured Persons who reside in Hong Kong, therefore the coverage shall remain effective if the Insured Persons go out of town for business or travel temporarily.
If the Insured Persons plan to permanently reside overseas, we started accepting change of residency requests without policy termination to all Bowtie individual insurance plans (including VHIS, Term Life, Term Critical illness, Touchwood Protector and Cancer Fighter) in any countries/ regions (except for those subject to sanction restrictions). Generally speaking, depending on where you relocate to, an extra loading might be applied to reflect the higher risks of the relocated countries as fairness to other policyholders in the insurance pool. We encourage customers to contact us if they want to understand how this works.
For any enquiries, please contact our customer service team at 3008-8123.
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.
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.
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.
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 email@example.com. 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 firstname.lastname@example.org.
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 Food and 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.