Certified plan under Voluntary Health Insurance Scheme (VHIS)

Bowtie VHIS Standard

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Monthly premium from only $100*
Successfully enroll with promo code “BOWTIE” & get $2,000 BowtieCash#
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*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, subject to prior approval by FHB.
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.

Frequently Asked Questions

How does the underwriting process work?

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.

What should I do if I don’t understand an underwriting question and I am not sure how to answer it?

You can contact us through the following channels if you have questions about our underwriting or unsure how to answer.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

Please note inaccurate information may impact future claims results.

How come I did not get an instant quote?

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:

1. We are unable to accept your application due to your current health condition.

2. You expressed that you have reservations about the answers you provided to our underwriting and need further assistance.

3. We are currently enhancing our underwriting system allowing us to re-process your application.

4. You selected “Other illnesses” and we need more information from you.

If you provided us with your email address in your application, Bowtie customer service will be in touch to assist with your application.

What should I do if I mistakenly gave an inaccurate answer for an underwriting question?

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.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

Please note inaccurate information may impact claims results in the future.

I have medical insurance policies from two different insurance companies, which one should I submit a claim to first?

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.

If I have questions about Bowtie services, what can I do?

Just like traditional insurance companies, you can contact us through our customer service Centre, hotline, email and live chat for assistance with application, claims estimates or claims submission.

You can call our customer service hotline 3008 8123 anytime or email us at cs@bowtie.com.hk. We value your feedback and will follow up as soon as possible. If necessary, you can book an appointment to visit your Customer Service Centre where our dedicated service team will serve you.

How do I make a claim?

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 cs@bowtie.com.hk.

Does VHIS Standard Plan only cover hospitalization and hospital-related expenses such as surgery and doctor’s fee?

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).

Will my renewal premiums increase because I made claims? Will my renewal be denied due to the claims?

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.

Change of ownership of the Policy

Bowtie shall not reject any application by the Policy Holder 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.

Inquiries and Complaint Channels

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.

What should I do if during the claims process, I discover that the insured person forgot to declare pre-existing illnesses?

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.

What is the difference between VHIS and other medical insurance plans?

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: 

1. Medical insurance plans typically have a lifetime benefit limit. VHIS Standard Plan has an annual benefit limit of HK$420,000 and no lifetime benefit limit.

2. Most medical insurance plans on the market do not cover pre-existing conditions, but VHIS covers pre-existing conditions starting from the second policy year.

3. VHIS covers 70% of outpatient expenses for prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT, PET-MRI while typical medical insurance plans do not.

Are the VHIS Plan premiums tax deductible?

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.

What is VHIS Standard Plan?

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.

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.

Do I still need individual medical insurance 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 to increase protection.

What sets Bowtie VHIS products apart from other traditional insurance companies?

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.

Is outpatient treatment covered by VHIS?

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%.

Remarks -
#From 1 Jan 2021 to 31 May 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.

FAQ Source-
Remarks: National Health Commission “New Coronavirus Pneumonia Diagnosis and Treatment Plan (Trial Version 4)”, Hong Kong Department of Health, Chinese Center for Disease Control and Prevention, BBC (Last update date: February 5, 2020)