VHIS only reimburses for expenses of Pre- and post-confinement / Day case procedure outpatient care.

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.

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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.

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.

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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, all terms and coverages cannot be set below the standards of the  VHIS Standard.

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!

Note: 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.

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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

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