Why choose VHIS?

It depends on your needs. All Bowtie VHIS can cover eligible medical expenses for hospitalization or surgery due to accidental injuries. The Flexi Plan and Bowtie Pink even have Accident emergency outpatient treatments that cover treatment costs at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident. While Bowtie's medical insurance plan covers hospitalization and surgery costs from accidents, it also provides coverage for outpatient treatments, physiotherapy, chiropractic, and tui na massage treatments arising from accidental injuries.

Plan Comparison

For benefit details, please refer to the product website and policy Terms and Conditions.

*Except General Exclusion

Yes. BowtiePink customers will still need to pay the relevant deductible even after purchasing the Wellness Package. Please note that since BowtiePink is already designed to fully reimburse the costs of Designated Medical Packages, customers who add the wellness package will receive an additional HK$500 cash benefit when using a Designated Medical Package.

The cash benefit under the wellness package is calculated based on the number of Designated Medical Packages used, with no limit on the number of claims. You will receive HK$500 cash benefit for each use of a Designated Medical Package. This benefit is not constrained by the annual or lifetime benefit limits of your BowtiePink policy.

For product terms and conditions, please refer to the relevant product page.

No. However, the full reimbursement coverage of the Bowtie Pink does not apply to hospitals in the USA and those not under the list of designated hospitals in Mainland China¹ , except for eligible medical expenses compensated at the level of the  Bowtie VHIS Standard Plan.

Regarding the (Cashless Service), Bowtie VHIS's (Hospital Cashless Service) is applicable at all private hospitals in Hong Kong, whereas the (Day Case Surgery Cashless Service) is applicable only at the designated Day Case Surgery Network. You can always log into the Bowtie online platform to apply for the "Pre-approval Service". Please note that the "Pre-Authorization Service" is only applicable to non-emergency medical procedures, and the claims department will take approximately 4-6 working days to process your application.

¹ Bowtie Pink VHIS series covers full reimbursement for eligible medical expenses including diagnostics, hospitalization, surgery, and specified non-surgical cancer treatments (excluding the USA), subject to annual and lifetime coverage limits. Compensation amounts may be adjusted for claims involving hospitals in Mainland China outside the designated list, high-end hospitals within the designated list, claims exceeding the specified ward class, or pre-existing conditions. For details, please refer to sections 1(b), 1(c) of the first supplement document and section 4 of the terms and conditions of the BowtiePink.

Individual Bowtie VHIS plans adjust coverage based on the ward class, so we recommend you choose a plan that best suits your hospitalization needs.

If the insured person is assigned to a higher room type due to reasons beyond their or the policyholder's control, such as limited room availability or the need for isolation, and can provide written proof from the hospital, their claim will not be affected.

The Basic benefits of Bowtie VHIS Standard and Bowtie VHIS Flexi both offer the coverage without ward class restrictions, but the Supplementary Major Medical (SMM) under Bowtie VHIS Flexi has an adjustment factor on the rate of compensation according to the ward class that the insured admitted to during hospitalization. Details are as follows:

While BowtiePink VHIS has various adjustment factors/compensation ratios depending on the ward class section:

Example: If you have the Bowtie Pink VHIS (Ward Room - Deductible HK$80,000) but are admitted to a semi-private room during treatment, and your eligible medical expenses total HK$100,000, you will only be reimbursed HK$50,000.

Both are medical costs that the insured must pay when filing claims from the insurance company. Their main difference lies in the calculation methods:

"Co-insurance" - Calculated based on individual protection items and percentages, shared between the insured and the insurance company.

Assume the insured must bear 20% co-insurance for a claim item, with medical costs of HK$120,000: 
Compensation provided by the insurance company = HK$120,000 X 80% = HK$96,000
Costs paid by the insured = HK$120,000 X 20% = HK$24,000

"Deductible" - Calculated per policy year, the insured must bear a certain amount before the insurance company compensates the remaining medical expenses according to the plan’s coverage limit.

Assuming the insured has opt for BowtiePink with a HK$20,000 deductible, while the total hospital medical expenses are HK$70,000, Bowtie will compensate would be [Total Medical Expenses – Deductible], which is HK$70,000 – HK$20,000 = HK$50,000.

Bowtie Pink only offers deductible options (choices of HK$80,000, HK$50,000, HK$20,000, or HK$0) with no co-insurance. Whereas Bowtie VHIS Standard and Flexi have co-insurance but no deductible:

Bowtie VHIS Standard

• Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance^

Bowtie VHIS Flexi

• Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance^
• Supplementary Major Medical (SMM): 20% co-insurance*

^The reimbursement is subject to the "Benefit Limit" of the Bowtie VHIS Standard Plan or Flexi Plan.
*The reimbursement is Subject to the maximum coverage limit of Bowtie VHIS Flexi Plan's "Supplementary Major Medical" coverage.

Comparison of Insurance Plans:

¹ Bowtie Cancer Fighter covers all grades of malignant cancer and carcinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.cinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.
² Existing customers can increase their coverage limit up to a maximum of HK$20,000,000 after undergoing underwriting and a medical examination. Click here to learn more.
*This Applies only to the Flexible Plan and Bowtie Pink.
The above information is for reference only. For detailed terms and conditions above is for reference only. For detailed terms and conditions, key risks and policy exclusions of the product, please refer to the policy.

Voluntary Health Insurance Scheme (VHIS), regulated by the Health Bureau, is a personal medical insurance that reimburses eligible medical expenses related to hospitalization and day surgeries. All VHIS must meet several standardized product features including policy terms, minimum coverage, and premium transparency. Although insurers can have different coverages and designs for their Flexi Plans (Chinese only), all terms and coverages cannot be set below the standards of the VHIS Standard (Chinese only).

Comparison of VHIS and General Medical Insurance:

Bowtie currently offers three VHIS plans: Standard, Flexi, and BowtiePink, each with varying coverage amounts, ward classes, and deductibles. You can view detailed plan comparisons here.

¹ VHIS Standard Plan does not have a lifetime coverage limit; individual Flexi Plans may have a lifetime coverage limit.
² VHIS Standard Plan has an exclusion period for "Unknown Pre-existing Conditions."
³ VHIS Standard Plan has a waiting period for "Unknown Pre-existing Conditions." The first policy year is a waiting period, partial coverage starts in the second year (25% in the second year, 50% in the third year), and full reimbursement (100%) begins in the fourth policy year.

You can choose the most appropriate deductible level for the BowtiePink VHIS based on your affordability for both the deductible and premium.

Bowtie Pink offers four deductible options: HK$80,000, HK$50,000, HK$20,000, and HK$0. Higher deductible plans have lower premiums, and vice versa.

For instance, choosing the Bowtie Pink with a $20,000 deductible, of which the deductible is calculated per policy year, you bear the first HK$20,000 of eligible medical expenses each policy year, after which Bowtie compensates for the remaining eligible medical expenses.

If you have a limited budget, you might also consider a plan without a deductible, such as the Bowtie VHIS Flexi Plan or Standard Plan. 

You can also use Bowtie’s personalized recommendation tool or contact us via WhatsApp at 6016 5980 for more specific product advice!

Bowtie currently offers 3 VHIS Plans, including Standard Plan, Flexi Plan, and BowtiePink, each with different coverage limits, room grades, and deductible options.

You can choose primarily based on whether you already have health insurance:

• If you do not have health insurance - VHIS Standard or VHIS Flexi
• If you already have health insurance - BowtiePink

Click here to view a detailed comparison of the plans. If needed, you can also seek for product advice via WhatsApp at 6016 5980!

Co-insurance means that the insured person shares a portion of the costs for certain covered services on a percentage basis.

"Co-insurance" - Calculated based on individual protection items and percentages, shared between the insured and the insurance company.

Assume the insured must bear 20% co-insurance for a claim item, with medical costs of $120,000:
Compensation provided by the insurance company = $120,000 X 80% = $96,000
Costs paid by the insured = $120,000 X 20% = $24,000

Bowtie VHIS includes co-insurance for the following plans:

Bowtie VHIS Standard

• Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance

Bowtie VHIS Flexi

• Prescribed diagnostic imaging tests including CT, MRI, and PET scans: 30% co-insurance
  Supplementary Major Medical (SMM): 20% co-insurance

Bowtie Pink

• Does not have co-insurance items

Generally, there is no waiting period for illnesses that arise after you enroll in Bowtie VHIS Plan.

Bowtie VHIS only has a waiting period for "pre-existing conditions unknown to you at the time of enrolment." These are conditions that you already had before enrolling, but were unaware of because there were no obvious symptoms, and you did not seek medical advice or treatment.

In simple terms, if you were unaware that you had a certain condition when you enrolled, but are later diagnosed and need treatment for it after enrolling, the eligible expenses will be subject to the following waiting periods and reimbursement ratios.

Flexi Plan and Bowtie Pink

Standard Plan

"Deductible" is the amount the policyholder must pay out of pocket within the policy year when making a claim with Bowtie. The remaining medical expenses are then compensated by Bowtie up to the coverage limit of the plan.

If the insured person has a Bowtie Pink plan with a $20,000 deductible and the total medical expenses are $70,000, we will cover $50,000
Total medical expenses – Deductible = Coverage
$70,000 – $20,000 = $50,000

The Bowtie VHIS Standard and Flexible plans do not come with a deductible, whereas Bowtie Pink’s deductible is calculated annually. For instance, if the policy starts on December 1, 2021, from December 1, 2021, to November 30, 2022 (the first policy year), you must first bear HK$20,000 of medical expenses (including amounts claimed from your company’s group medical insurance), and after which Bowtie compensates for the remaining eligible medical expenses.

Additionally, we recommend that even if your medical expenses are lower than the deductible for your Bowtie Pink plan, you should still submit all hospitalization/surgery-related medical receipts and proof of reimbursement from other insurance companies (if applicable) to Bowtie. If the expenses are eligible medical expenses, they will be counted towards the deductible you have paid for that policy year with Bowtie, reducing the remaining deductible you need to pay for the same year.

Finally decide on the best deductible option for you?

Buy Bowtie Pink Now!

”Confinement“ shall mean an admission of the Insured Person to a Hospital that is recommended
by a Registered Medical Practitioner for Medical Service and as an Inpatient as a result of a Medically Necessary condition for a period of no less than 6 consecutive hours. The Insured Person must stay in the Hospital continuously for the entire period of Confinement. You will need to provide the daily room charge invoiced by the Hospital when submit the claims. For emergency treatments involving surgery or other medical services in a hospital, there is no minimum hospitalization time requirement.

In addition to hospitalisation treatment, Bowtie VHIS also covers Day Case Procedure such as endoscopies, without any minimum hospitalisation time requirement.

Yes. If the insured person requires wart removal surgery due to medical necessity after the policy is effective, and the related expenses meet the 'usual and customary' principle, Bowtie will consider it as a 'minor surgery' for reimbursement, unless restricted by specific exclusions (if any).

To ensure a smooth claims process, we strongly recommend that before undergoing wart removal treatment, you first log into the online platform to perform a claim estimation. This will help you understand the coverage scope and get a preliminary estimate of the reimbursement, allowing you to make an informed decision about proceeding with the treatment.

If you have any questions about wart removal surgery, you're welcome to call 3001 5670 to inquire with Bowtie Claims Department.

If your budget allows, we would recommend purchasing Bowtie Cancer Protection Plan in addition to the Bowtie VHIS Standard Plan or Flexi Plan. However, if you have enrolled in Bowtie Pink, there is no need to purchase the Bowtie Cancer Fighter.

The main reason is that the Bowtie VHIS Standard Plan and Flexi Plan only pay up to the max limit per benefit item, eg. HK$80,000 /year for prescribed non-surgical cancer treatments (such as radiation therapy, chemotherapy, targeted therapy, immunotherapy, and hormone therapy) is HK$80,000 per year., which may not be sufficient to fully cover the related expenses. Bowtie Cancer Fighter provides full reimbursement for eligible cancer treatments, including prescribed non-surgical cancer treatments. Cancer Fighter can provide maximum coverage of $1,000,000 every 3 years from the first diagnosis date of the first covered cancer until the accumulated benefits reach lifetime coverage. Offering you additional protection. For more details, please refer to the product website.

On the other hand, Bowtie Pink already provides full reimbursement for eligible prescribed non-surgical cancer treatment expenses, so you do not need to purchase the Bowtie Cancer Protection Plan separately.

No, Bowtie VHIS does not include death benefit. Bowtie VHIS is an individual medical insurance that only covers eligible medical expenses for hospitalization and surgery on a reimbursement basis.

The only exception is if the insured unfortunately passes away due to medical negligence in Hong Kong, in which Bowtie VHIS Flexi and BowtiePink will then provide a "Medical Negligence Coverage" of HK$1,000,000.

If you are looking for a product that offers death benefits, do consider purchasing Bowtie Term Life.

No. Bowtie VHIS reimburses for any accident or disease (except General Exclusion), covering eligible medical expenses related to hospitalization and surgery, including day surgeries and diagnostic procedures like gastroscopy, CT scans, MRI, etc. Common treatment claims include circumcision, appendectomy, hospital treatment for accidents, and cataract surgery.

However, it does not cover treatments unrelated to hospitalization and surgery such as common cold, dental treatments, and outpatient treatments. Exclusions mainly include any non-medical treatments, procedures, medications, tests, or services; dental costs and oral maxillofacial surgery (except emergency treatments and surgeries due to accidents during hospitalization); and traditional Chinese medicine treatments.

Review the coverage table and general exclusion for more detailed compensation limits, covered surgical procedures, and categories. You may also use the Bowtie Claim Calculator for more examples of claims and compensation rates.

Yes, all the Bowtie VHIS can cover Prescribed Non-surgical Cancer Treatments including Radiotherapy, Chemotherapy, Targeted therapy, Immunotherapy, Hormonal therapy. The benefits limits for each plan is as follows:

If an insured undergoes surgery at any out-patient surgical center or being treated as an out-patient case patient, while the surgical cost is compensated under the "Surgical Fees" coverage, s/he is eligible for “Day Case Procedure Cash Benefit”, which is calculated per surgical procedure.

Bowtie VHIS Flexi and Bowtie Pink both offer "“Day Case Procedure Cash Benefit," with coverage amounts specific to each plan. For detailed coverage amounts listed as follow:

Yes. The plan provides worldwide coverage. And The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently*. The policy reimbursement rate also will not be affected.

Scope of Coverage for Each VHIS Plan:

At the time of insurance purchase, both the policyholder and the insured must reside in Hong Kong. The policy remains effective even if the insured relocates overseas temporarily or long-term (except in sanctioned or war-affected areas).

However, due to potentially higher risks in the country of relocation, additional premiums may be charged for those regions. Policyholders can choose not to renew if they disagree with the proposed additional premium adjustments. Short stays in other countries, or travel, work, or study abroad do not incur extra premiums.

Please notify Bowtie of any changes in address. For further inquiries, call customer service at 3008 8123.

*except for places of residence affected by sanctions or war

VHIS only reimburses for expenses of Pre- and post-confinement / Day case procedure outpatient care. The reimbursement limits for each plan are as follows:

Additionally, the Flexi Plan and Bowtie Pink offer "Accident Emergency Outpatient" coverage, which reimburse medical expenses such as wound cleansing and dressing or stitching within 24 hours of an accident at a hospital's ER or outpatient department.

General outpatient services such as general practice, Chinese medicine, and dental treatments are not covered under Bowtie VHIS.

Bowtie currently accepts applications from individuals who have recovered from COVID-19 for more than one month. Applications from those currently suffering from COVID-19 or those who test positive are not accepted at this time.

For individuals who currently still being tested positive for COVID-19, we welcome them to submit their application one month after recovery.

Reach out to Bowtie CS at 3008 8123 for more details.

Not required. Except for individuals over age 65 purchasing BowtiePink, you simply need to visit the Bowtie VHIS website, click "Apply Now", and complete the health declaration (underwriting questions).

We will base on your response in the health declaration in understanding any of your previously diagnosed conditions and their severity. Generally, we are able to calculate the most fair and accurate premium instantly. Most of the questions in the health declaration (95%) are multiple-choice.

The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink.

• Health questionnaire
• Resting electrocardiogram
• Urinalysis
• Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen

No. Each Bowtie VHIS Standard, Flexi, or Bowtie Pink Plan can only have one policyholder and one insured person. However, policyholders can apply for their eligible family members:

• Policyholder's spouse
• Children¹
• Siblings²
• Parents, grandparents, or spouse's siblings, parents and grandparents³

¹ Refers to children who are under 18 years old / 18 years old but under 25 years old and receiving full-time education / 18 years old or older but unable to work due to physical or mental incapacity.
² Refers to siblings who are under 18 years old / 18 years old but under 25 years old and receiving full-time education / 18 years old or older but unable to work due to physical or mental incapacity.
³ Refers to individuals under 55 years old who are eligible to apply for benefits under the government's disability allowance scheme / 55 years old or older.

You can consider Bowtie Pink VHIS with a deductible to supplement your existing health insurance (commonly known as "Top-Up" insurance), which can enhance protection while also helps saving on premiums.

Based on the coverage level of your company's group medical insurance, you can decide on an appropriate deductible. When you need to file a claim, you can first claim it from your company's group medical insurance, and the remaining eligible medical expenses, after deducting the deductible, can be covered by Bowtie Pink.

For example, if you opt for the Bowtie Pink VHIS plan with a HK$20,000 deductible, of which the deductible is calculated per policy year, meaning you need to bear the first HK$20,000 of eligible medical expenses each policy year (including expenses claimed from company health insurance), after which Bowtie will cover for the remaining eligible medical expenses.

If needed, you can also seek product advice via WhatsApp at 6016 5980!

Bowtie offers various products with different levels of coverage. You can consider and choose the most appropriate insurance product based on your personal needs and financial capacity.

Bowtie VHIS accepts enrollments for Hong Kong residents aged between 15 days and 80 years. Apart form individuals aged 66 and above applying for the BowtiePink, health assessment is not required for underwriting prior to purchasing a policy.

Once successfully insured, Bowtie VHIS Standard guarantees renewal up to the age of 100, while Bowtie VHIS Flexi and BowtiePink offer lifetime renewals in addition.

Yes, an insured person can hold multiple Bowtie VHIS policies. Currently, each insured person can hold either:

1. Two Bowtie VHIS Standard, or
2. One Bowtie VHIS Standard + One Bowtie Flexi
3. One Bowtie VHIS Standard / Flexi + one Bowtie Pink (with a deductible of $20,000 / $50,000 / $80,000)

However, if an insured person currently holds a Bowtie Pink VHIS with $0 deductible, one cannot purchase for any other Bowtie VHIS policies.

Want to get more insurance coverage?

Compare the plans before getting insured!

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No, if you have terminated your Bowtie VHIS policy, any unused Bowtie Cash and health service vouchers will become invalid.

However, if you change your Bowtie VHIS plan level through the Bowtie Online Platform, you can retain any unused BowtieCash and health service vouchers from your original plan.

Related reading: Can I change the deductible option for my Bowtie Pink plan?

No, Once you change or terminate your Wellness Package, any unused or redeemed Bowtie Points, annual health check-ups, and health service vouchers will also become invalid.

BowtieCash can be used to pay any eligible medical expenses that exceed the compensation amount of the Bowtie VHIS, with the exception for the Bowtie Pink deductibles and to redeem comprehensive health services such as full-body health check-ups.

How to earn BowtieCash*?

Bowtie VHIS customers can earn BowtieCash through the "No Claims Reward Program." If the insured has no claims for six consecutive months after the policy is in effect, they can earn BowtieCash amounting to 8% of their monthly premium. The BowtieCash is valid for 7 years.

For more details, please visit this website.

*Bowtie VHIS No-Claim Rewards is subject to terms and conditions.

All insured persons of Bowtie VHIS customers, including Bowtie VHIS Standard, Bowtie VHIS Flexi - Regular / Plus, and Bowtie Pink(Ward/ Semi-Private/ Private) will automatically be entitled to the worldwide emergency assistance service provided by our business partner - Europ Assistance Hong Kong Limited (EAHK), to provide assistance when the insured person is on business or traveling overseas.

The insured should contact the EAHK the 24-hour worldwide emergency and medical helpline at +852 2863 5767 and provide the following information for assistance, the insured is also welcomed to have their friends or family to contact EAHK on his/her behalf as proxy. If the insured person fails to contact EAHK before hospitalization or treatment, the insured person or his/her representative shall contact EAHK within 3 days of the occurrence of such emergency. Otherwise, assistance may not be obtained.

Required information:

1. Name of insured
2. ID or passport number of the insured
3. Policy number
4. The name, address and telephone number of the hospital or other medical facility where the insured life has been attended, and the name, address and phone number of the attending physician and, if necessary, the family doctor of the insured. (Applicable to the repatriation services)

The worldwide emergency assistance service includes:

1.  Medical Attention, Telephone Medical Advice, Evaluation and Referral Appointment
2. Medical Evacuation
3. Repatriation after Treatment
4. Repatriation of Mortal Remains/Ashe
5. Medical Monitoring
6. Travel Information
7. Hotel Room Accommodations for Convalescence
8. Compassionate Visit
9. Return of Unattended Dependent Child(ren) to Country of Residence
10. Dispatch Essential Medication/ Medical Equipment
11. Dispatch Physician from Hong Kong
12. Guarantee of Hospital Admission Deposit and Medical Expenses Incurred during Hospitalization
13. Medpass - Hospital Admission Guarantee in China Network Hospital

Note: “Worldwide Emergency Assistance Service” does not form part of the Bowtie VHIS Plans and is provided by third-party service provider. We reserve the right to change the the content of “Worldwide Emergency Assistance Service” and will not be liable for any services provided by third-party service provider. No additional premiums are charged for this service.

Whether it's for claim estimates and cashless settlement service (pre-approval service) before treatment, or claim submissions after treatment, you just need to gather the required documents and upload them to the Bowtie online platform. Each case will be handled by a Bowtie Claims Specialist. You can call 3001 5670, email claim@bowtie.com.hk to contact the Bowtie Claims Department, or log into the Bowtie online platform anytime to check the status.

You can visit this website to understand the details of each claims service.

*Not required. Providing the relevant documents will help us review your case more efficiently.
¹ The estimated amount depends on the information provided by the doctor. The estimate is only a preliminary assessment and does not represent the final reimbursement amount.
² Cashless Settlement Application Waiver only applies to customers of "Bowtie & Gleneagles Hospital Hong Kong Wellness Package” and “Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package”. The designated hospital will submit to Bowtie on your behalf the pre-approval application in respect of the selected medical package(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

Bowtie VHIS guarantees lifetime renewability at the maximum. As long as you are paying the premium on time, there is no need to worry about losing coverage in the future. The maximum renewal ages for the three Bowtie VHIS plans are as follows:

Formula for calculating VHIS Tax Deduction

VHIS Premiums x Tax Rate = Tax Deduction Amount

VHIS Tax Deduction Limit

Every taxpayer who purchases a recognized VHIS for themselves or their eligible dependents can include the premium payments as part of their "Salaries Tax Deduction" for tax purposes. The maximum deductible premium per insured person (either oneself or an eligible dependent) in each tax year is HK$8,000.

Eligible dependents include:

• Spouse¹
• Children²
  • Under 18 years old
  • 18-25 years old and receiving full-time education
  • 18 years old or above, but unable to work due to physical or mental problems
• Siblings²
  • Under 18 years old
  • 18-25 years old and receiving full-time education
  • 18 years old or above, but unable to work due to physical or mental problems
• Parents / grandparents / great-grandparents²
  • Under 55 years old, but eligible for government disability allowance
  • 55 years old or above

Easily obtain your payment record document:
The payment record for your Voluntary Health Insurance Scheme (VHIS) policy over the past year has been automatically uploaded to the Bowtie online platform. This record can be used directly as official proof for tax deduction purposes.

How to view it:

1. Log in to your Bowtie online platform

2. Open your Voluntary Health Insurance Scheme policy and click "Payments"

3. Under "Annual Payment Record," download the PDF certificate for the required year

¹Limited to individual income tax payers
²Applicable to adoption and fostering relationships. For details, please refer to the Inland Revenue Ordinance (Chapter 112).
Note: To apply for tax deductions, the insured person must be a Hong Kong resident, including Hong Kong identity card holders, non-Hong Kong identity card holders, and those under 11 years old who were born or adopted by Hong Kong identity card holders. For details, please refer to the Inland Revenue Ordinance (Chapter 112).

Bowtie will not increase your VHIS premiums or terminate your policy due to your past claims in Bowtie.

In fact, VHIS guarantees renewal. Once the policy is in effect, Bowtie VHIS Standard guarantees renewal till age of 100, while the VHIS Flexi Regular/ Plus and Bowtie Pink guarantee lifetime renewal. The annual renewal premiums will only be adjusted based on age and will never be increased due to individual’s claims history or health conditions after the policy is in effect.

Not all medical insurance on the market guarantees renewal.

Want to make sure you are protected once policy is in effect?

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