Does the Voluntary Health Insurance Scheme cover outpatient expenses?

The outpatient coverage is mainly for outpatient treatments before pre and post-hospitalization and day case procedures, with a maximum number of visits and benefit amount. In addition, 70% of the eligible costs for prescribed diagnostic imaging tests (i.e. CT, MRI, PET, PET-CT, PET-MRI) are covered for outpatient visits.

Does the Voluntary Health Insurance Scheme cover medical services outside Hong Kong?

Yes, except for psychiatric treatment. However, insurance companies may restrict the additional coverage to specified areas when designing a flexi plan.

Is dental treatment covered under the Voluntary Health Insurance Scheme?

VHIS does not cover regular dental check-ups, scaling, fillings, etc. However, if the insured requires emergency oral or dental procedures as a result of an accident, the relevant payments will be covered under the surgical Fee.

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Why choose VHIS?

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Intro Plan FAQs Need help?

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Why choose VHIS?

VHIS has 3 major advantages over traditional medical insurance!

Coverage can only be enhanced, never reduced

Regulated by the government, VHIS guarantees that coverage can only increase, never decrease. Your insurer cannot simply change the rules and withdraw your cover or raise your premium just because you’ve claimed!

Ease the long-term burden of premiums

VHIS uses a pooled premium system. If premiums are adjusted, the changes apply across the pool, so you won’t be singled out for an increase simply because you’ve made a claim.

A tax-deductible choice

Besides medical protection, buying VHIS comes with tax deduction benefits. You can claim tax deductions for policies bought for yourself and your family, enjoying up to $8,000 deduction limit per insured person*. The more family members covered, the more you save, effectively subsidising your medical insurance!

💡 How is the tax deduction calculated?

For 1 person: Tax deduction up to $8,000
For a family of 3: Tax deduction up to $24,000
Including parents (family of 5): Tax deduction up to $40,000

*The above information is for reference only. Please consult your tax adviser if you require tax advice. You may also visit the Health Bureau website for tax deduction details.

How to choose the right VHIS plan?

Find your ideal plan in 30 seconds

Yes No

Do you have individual or group medical?

Does your individual or group medical insurance include

Bowtie Pink (Ward)

$80,000 deductible

👉 Why we recommend it: complements your individual or group medical insurance to fill the protection gaps

Your individual or group medical insurance covers routine expenses and the initial hospital costs
Bowtie Pink covers large medical bills
Get up to $8,000,000 coverage (including cancer) with minimal premiums

View plan

👉 How does it fill the gap? You pay $0 out of pocket, plus coverage even for major illnesses

Assumed total medical bill:

HKD$50,000

$50,000: paid by your individual or group medical insurance (covering the deductible)

$450,000: paid in full by Bowtie Pink

Bowtie Pink (Ward)

$20,000 deductible

👉 Why we recommend it: a lower deductible, stronger cover for big bills

The first $20,000 deductible is roughly the cost of a minor private surgery, which most people can afford.
The premium is a bit higher, but in a worst-case scenario you'll pay much less out of pocket.

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What matters most to you?

Bowtie VHIS (Flexi Plan)

0萬自付費

2萬自付費

5萬自付費

No deductible

👉 Why we recommend it: coverage from the first dollar, with no initial amount for you to bear

Covers most common surgeries like gallstones, knee, and cataract procedures, with an additional $120,000 Supplementary Major Medical (SMM) buffer in case of surgical complications
Premiums are lower than Bowtie Pink in the long run, but coverage for serious illnesses may not be sufficient

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Bowtie Pink (Ward)

0萬自付費

2萬自付費

5萬自付費

$20,000 deductible

👉 Why we recommend it: you handle the small bills, we cover the big ones

You pay the first $20,000. Anything above that, we reimburse in full¹ — including cancer, stroke and dialysis.
The premium is only slightly higher than the Flexi Plan, but gives you much stronger protection against serious illness.

View plan

^{The above scenarios and examples are for reference only. As individual protection needs, financial capacity and existing coverage differ, customers should carefully evaluate their needs before applying for any plan. Please ensure that the hospital room types under your existing and new plans align to avoid duplicated coverage, and seek professional advice if necessary. Coverage scope and benefit limits vary across medical insurance plans; please refer to the relevant policy terms and conditions for details.}

Want to know more? Hear from our product lead!

Plan Comparison

Bowtie offers 3 VHIS plans tailored to your actual needs.

Standard Plan

Flexi Plan

Bowtie Pink

Entry-level

On a budget or buying medical insurance for the first time
Helps with basic hospitalisation and surgery expenses

Value-for-money

Long-term core medical coverage
Helps with common surgeries and hospital stays expenses

Comprehensive coverage

Top up your individual or group medical insurance
Helps with serious illness and major medical expenses

✅

Yes

Yes, SMM reimburses 80% of the excess amount

No deductible

$0 / $20K / $50K / $80K

$420,000

Up to $1,000,000

Up to $20,000,000

Ward

Ward / Semi-private

Ward / Semi-private / Private

As low as $138/month

View plan

As low as $254/month

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As low as $347/month

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Who it is for

Full reimbursement¹

Itemised benefit limits

Deductible options

Annual benefit limit#

Ward class

Monthly premium*

Compare plans in detail →

^{#The annual benefit limit varies by room class.
*Monthly standard premium examples are based on a 30-year-old non-smoking male insured under Bowtie VHIS Standard Plan, Flexi Plan (Regular) (with an annual benefit limit of up to $600,000), and Bowtie Pink (Ward) with a $20,000 deductible (with an annual benefit limit of up to $8,000,000).}

Real claim examples, comprehensive coverage of illnesses

Below are 10 common claim examples, covering illnesses and medical expenses of varying severity.You can use them to compare the reimbursement rates of different plansand choose the Bowtie Voluntary Health Insurance Scheme (VHIS) plan that best fits your needs and budget.

Frequently asked questions for VHIS plans

Talk to a real person

Bowtie product specialist wearing a headset

Bowtie customer service specialist wearing a headset

Sun, Warren

Product Specialist

Not sure which product is right for you?

We offer commission-free, 1 on 1 product consultations to genuinely help you choose the right coverage!

Consultation booking hours:

Mon–Fri: 9:30am–6:30pm
Closed on Sat, Sun & public holidays

Book now

Product & policy service enquiries

Coverage details, existing policies, application status, underwriting questions

Phone / WhatsApp service hours:

Mon–Fri: 9:30am–6:30pm
Sat & Sun: 2:00pm–6:00pm
(WhatsApp enquiries only)
Closed on public holidays

Call 3008 8123

or WhatsApp

Live Chat: click "Chat" at the bottom-right of the page

or email cs@bowtie.com.hk

By booking a time, you confirm you have read Bowtie's Personal Information Collection Statement and consent to the use and transfer of your personal data in accordance with it for the purpose of this enquiry.

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Disclaimer

1Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, "List of Designated Hospitals in Mainland China" and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.

自願醫保計劃

Why choose VHIS?

How to choose the right VHIS plan?

Plan Comparison

Real claim examples, comprehensive coverage of illnesses

Frequently asked questions for VHIS plans

Talk to a real person

Not sure which product is right for you?

Product & policy service enquiries

VHIS = The Preferred Choice for Medical Protection