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*Monthly premium for VHIS Standard Plan for a 20-year-old male non-smoker is $95
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 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
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Benefit limit (in HKD)
$750 per day - Maximum 180 days per Policy Year
$14,000 per Policy Year
$750 per day - Maximum 180 days per Policy Year
$4,300 per Policy Year
$3,500 per day - Maximum 25 days per Policy Year
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
35% of Surgeon's fee payable (5)
35% of Surgeon's fee payable (5)
$20,000 per Policy Year Subject to 30% Coinsurance
$80,000 per Policy Year
$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)
$30,000 per Policy Year
Upon each time the Insured Person suffers from Total andPermanent Incapacity –
- $500 per week
- payable for 52 weeks
$420,000 per Policy Year
Nil
Standard Plan
S00023-01-000-01
HKD
Worldwide
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.
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