Do I still need VHIS Standard Plan 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 (like Bowtie VHIS Standard Plan) to increase protection.

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.

Bowtie VHIS Standard

Name: Bowtie VHIS Standard Plan
Brand: Bowtie
Rating: 4.5 (151 reviews)

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Features Coverage Benefit Items Product Information FAQ

Quote now

Product Brochure

Premium Schedule

Limited Offer

Features

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Technology enhances affordability

Save up to 48% of the premium with the same level of protection#

#The above premium comparison data is based on VHIS Standard Plan premiums as of December 29, 2025. Premiums for other insurance companies' plans are calculated on an annual premium basis, using a 30-year-old non-smoking male as an example, rounded to the nearest whole number. For details, please refer to the relevant policy terms and conditions.

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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.

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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.

What is VHIS Standard? Ask AI

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

Compare claim ratio

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

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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。

例子說明 

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 →

Does this plan cover surgery or hospitalization? Ask AI

Benefit Schedule

Suggested ward type

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Benefit amountNo lifetime limit

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

VHIS Standard

General Ward

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Benefit amount

$420,000/year

Premium

From $138/month

Detailed Benefit Schedule 

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

Compare now!

Other than price,what makes them different? Ask AI

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Benefit Items

VHIS - Standard

Apply now

Basic Benefits

The general protection items that are useful when admitted to a hospital, including the expenses incurred during diagnosis, hospitalisation, surgery or other treatments.

Room and board

$750/ per day

payable for 180 days

Miscellaneous

$14,000/ per year

Attending doctor’s visit fee

$750/ per day

payable for 180 days

Specialist’s fee(1)

$4,300/per year

Intensive care

$3,500/ per day

payable for 25 days

Surgeon's fee

Complex Surgery
Major Surgery
Intermediate Surgery
Minor Surgery

Complex Surgery：$50,000/ per session
Major Surgery :$25,000/ per session
Intermediate Surgery : $12,500/ per session
Minor Surgery : $5,000/ per session

Anaesthetist’s fee

35% of Surgeon's fee payable(4)

Operating theatre charges

35% of Surgeon's fee payable(4)

Prescribed Diagnostic Imaging Tests(1) (2)

Including: CT Scan, MRI Scan, PET Scan, PET–CT combination, PET–MRI combination

$20,000/ per year

30% Co-Insurance

Prescribed non-surgical cancer treatment⁽³⁾

Including: Radiotherapy, chemotherapy, targeted therapy, immunotherapy, hormonal therapy

$80,000/ per year

Pre- and post-Confinement/ Day Case Procedure outpatient care(1)

$580/ per visit

$3,000/ per year - 1 prior and 3 follow-up outpatient visits(6)

Psychiatric treatments

$30,000/ per year

Total and permanent incapacity income benefit(5)

$500/ per week

payable for 52 weeks

Download full benefit schedule below ↓

Remark：
Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(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) 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.
(3) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(4) 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.
(5) Please refer to Supplement No. 1 for details.
(6) 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).

Additional support

BowtieGo Outpatient Benefits

Unlimited Doctor Visits with up to 50% Discount⁷, including general practice, Chinese medicine, specialists, dental cleaning and physiotherapy

More details →

No-Claim Rewards ¹

Earn BowtieCash^{^} - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.

More details →

Cashless Settlement Service ²

Applicable to inpatient treatment and prescribed diagnostic imaging tests, allowing you to have a worry-free treatment.

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.

More details →

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.

More details →

How does cashless treatment work in this plan? Ask AI

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

Product Documents

Premium Schedule—Standard

Terms and Conditions

Supplement No. 1-3

Key Risks and Policy Exclusions

Benefit Schedule

Standard - Benefit Schedule

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.

Does it cover pre-existing conditions? Ask AI

Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

Understand the concept behind →

Upgrades in Bowtie’s VHIS in 2025

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!

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2026

Free upgrade on Bowtie VHIS Series

Bowtie Pink increase Post-Confinement Outpatient Visits
- Increase the maximum number of “Post-Confinement / Day Case Procedure outpatient visits” from 3 visits to 5 visits.
Bowtie Pink improve Rehabilitative Treatment Claims Arrangement
- Claims for Physiotherapy, Occupational Therapy and Speech Therapy will be settled under “Post-Confinement / Day Case Procedure outpatient care” first, then under “Rehabilitative benefits”, and the pre-approval requirement for rehabilitative benefits has been removed.
Bowtie Flexi increase Surgery-related Benefit Limits
- Increase the benefit limits for Surgeons’ fees, Anaesthetists’ fees and Operating theatre charges for Complex and Major surgeries.

‍

Learn more on blog

and

Read amendment PDF

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2025

Free upgrade on Bowtie VHIS Series

Removal of Adjustment Factors for Full Reimbursement of Designated High-End Hospitals in Mainland China*
- For all Bowtie Pink customers receiving treatment at any designated hospitals in Mainland China, the eligible medical expenses can enjoy full reimbursement.
Renaming “Special Bonus” to “Second Claim Subsidy”
- Customers who first submit a claim for eligible confinement or Day Case Procedures under other individual or group hospital indemnity insurance plans (such as Group Medical Plans) and receive partial or full reimbursement can then submit a claim under Bowtie VHIS. They will receive an additional cash allowance

Learn more on blog

and

Read amendment PDF

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2024

Free upgrade on Bowtie VHIS Series

Extending the usage and validity period of BowtieCash
- Extending the use of BowtieCash to redeem the designated health service and the validity period to 7 years.
Supports Travel Protection Needs
- To thank you for the support, early customers who enrolled between 2019 and 2020 can now enjoy the exclusive travel insurance promotion offered by Generali.
Extending the Plan Coverages and Cashless Settlement Service
- Reduce the waiting period for Unknown Pre-existing Conditions to 90 days. [Applicable to Flexi Plan and Bowtie Pink]
- Include Chinese medicine treatment in the coverage of “Post-Confinement/Day Case Procedure outpatient care [Applicable to Flexi Plan and Bowtie Pink]
- Bookings for designated diagnostic imaging tests through Bowtie Health Specialists can enjoy Cashless Settlement Service.

Learn more on blog

and

Read amendment PDF

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2024

Partner with CUHK Medical Centre to launch the "Medical Insurance + Wellness" Package

This VHIS Flexi Plan Rider offers a comprehensive healthcare experience, including annual health check-up (as recommended by a doctor) + full reimbursement for the selected medical packages with a waiver to submit cashless settlement application^. Learn More

‍
*When redeeming the optional health check items and when using the health check-up related services or the selected medical packages at CUHK Medical Centre, the Insured Person must agree to and be bound by the terms and conditions stipulated by CUHK Medical Centre for such services and packages and other service terms and conditions of CUHK Medical Centre.

^Such full reimbursement subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The designated hospital will submit the pre-approval application in response to the selected medical packages for inpatient treatments for the cashless settlement service to Bowtie on your behalf, in which the cashless settlement Service is subjected to Bowtie's approval. For the service terms and conditions, please refer to the relevant website.

Learn more on blog

and

Read amendment PDF

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2023

Launched Bowtie Pink (Ward Room)

Since most of the group medical insurance claims are for ward rooms, while high-end medical insurance plans are usually designed for semi-private and private rooms only, Bowtie Pink VHIS series has added a ward level. If customers hold a group medical insurance plan that covers the ward rooms, they can enjoy full coverage* at lower premiums with deductibles.

Learn more on blog

and

Read amendment PDF

Learn more →

FAQ

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

Schedule Consultation WhatsApp

Schedule Consultation and 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 immediate assistance with product inquiries or existing policy services, please contact our Customer Service Team. We can help you with:
• Answering questions about product features and coverage
• Provide application status updates or assistance, and manage policy accounts
• Resolving issues during application or claims processes
• Handling feedback or complaints about our products or services
Please contact:
Hotline/WhatsApp: 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.

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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
⁵The 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.
⁷ The actual amount payable for member exclusive price depends on the doctor and the actual medical needs.
# Psychiatric treatment under the Bowtie’s VHIS Plan is only available in Hong Kong.
* Terms and Conditions apply

Bowtie VHIS Standard

Features

Technology enhances affordability

Certified by Health Bureau

Cashless settlement services

Technology enhances affordability

Comply with the framework of VHIS from Health Bureau

Cashless settlement to reduce your financial burden

Covering your hospitalisation and surgeries expenses