Economical choice
Economical choice
Same coverage and the most affordable in town.^

Features

Technology enhances affordability

Save up to 68% of the premium with the same level of protection#

#The above data is based on the premiums of the Voluntary Health Insurance Standard Plan on the market on March 20, 2022. Plan premiums from other insurance companies are calculated based on annual premiums, using premiums for a 30-year-old non-smoking male as an example. Please refer to the relevant policy, and its terms and conditions for details.

Comply with the framework of VHIS from Health Bureau

Bowtie’s VHIS-Standard provides benefits items that are mostly the same as the market, with even better protections by providing total and permanent incapacity income benefit.

Cashless settlement to reduce your financial burden

If you are admitted to a private hospital, you may apply for our cashless settlement service to reduce financial stress on your emergency cash flow.

Covering your hospitalisation and surgeries expenses

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
Reimbursement is not limited to any accident or disease
Outpatient treatment before admission and after discharge is not covered
Symptom onset/ diagnosis
Prescribed diagnostic imaging tests
i.e. CT Scan, MRI Scan, PET Scan
Inpatient/Day Preoperative Outpatient Care
Outpatient or emergency care required prior to hospitalisation or day surgery
Hospitalisation
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
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.
Post-recovery follow-up
Post-confinement/day case procedure outpatient care 
💡
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。
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
-
無經紀 一樣好 Claim
任何索償問題及申請,都有索償服務顧問  1 對 1 跟進
了解更多 →
Filing a claim is effortless.
For any claims issues and applications, there will be 1:1 follow-up by our claims specialist.
Learn more →

Benefit Schedule

Suggested ward type

Benefit amountNo lifetime limit

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

VHIS Standard
General Ward
Benefit amount
$420,000/year
Premium
From $123/month
Detailed Benefit Schedule

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

Mix and match to fill protection gaps

Extra cancer coverage

From $57/month6

Bowtie Cancer Fighter
Supplementary coverage for non-surgical cancer treatment such as targeted drugs, radiotherapy and chemotherapy.

Additional support

NEW No-Claim Rewards 1
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 2
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
3
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 1
Earn BowtieCash^ - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.
Cashless Settlement Service 2
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 3
Access to emergency assistance while traveling abroad just by one call.

Product Information

Eligible for persons aged 15 days to age 80
Covers
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.
unknown pre-existing conditions
congenital conditions include congenital diseases that onset or diagnose at 8 years of age or later
and congenital diseases
In the second and third years after the policy comes into effect, partial protection is provided for "unknown pre-existing conditions", with reimbursement of 25% and 50% respectively, and full reimbursement is provided in the fourth year.
Please refer to the policy terms and conditions for details.
No waiting period
Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the second policy year.
Qualifying premiums of up to HK$8,000 paid under VHIS per year is eligible for Tax Deduction
Guaranteed annual renewal up to age 100
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 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 at 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;
  • 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 and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS Registration Information

  • 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
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 claims 5
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 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.
Remark
1 Bowtie VHIS No-Claim Rewards Program is available to customers of Bowtie’s VHIS products only. This reward scheme is not a cash reward scheme and does not form part of the Bowtie Voluntary Health Insurance Scheme. Terms and Conditions apply.
2 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.
3 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.
4 According to data analysis by YouGov, an international market research organisation, 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
5 The above is the average approved claim rate for Bowtie VHIS "Standard", "Flexible - Regular", "Flexible - Upgrade" and Bowtie Pink as of August 2023.
6 Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie Cancer Fighter 300.

^ As of the premium information published on the website of the Medical and Health Bureau on March 20, 2022, the premiums for the Bowtie VHIS-Standard Plan for non-smokers aged 0 to 80 are the lowest in the market.
# Psychiatric treatment under the Bowtie’s VHIS Plan is only available in Hong Kong.
* Terms and Conditions apply