Health Insurance Claims Made Easy!

It’s up to you which insurer you wish to submit a claim to first. If you need to submit a claim to more than one insurer, you will need to include the claims details provided by the first insurance company along with the required documents in your claims submission to the second insurer, as well as the true copy or certified copy of the medical bills.

Just like traditional insurance companies, you can contact us through our customer service Centre, hotline, email and live chat for assistance with application, claims estimates or claims submission.

You can call our customer service hotline 3008 8123 anytime or email us at cs@bowtie.com.hk. We value your feedback and will follow up as soon as possible. If necessary, you can book an appointment to visit your Customer Service Centre where our dedicated service team will serve you.

You can request a claim estimate or submit a claim directly on our website. After you have submitted a claim, Bowtie will assign a claims specialist to assist you throughout the claims process and follow up with you. If you have any questions about your claims, you can also call our customer service hotline at 3008 8123 or email us at cs@bowtie.com.hk.

VHIS Standard Plan coverage includes not only hospitalisation and hospital-related fees, but also day case surgery, pre- and post-hospitalization day case procedure, outpatient care, and prescribed diagnostic imaging tests (ex. CT, MRI, PET, PET-CT, OET-MRI).

Annual renewal premiums are adjusted according to age. We do not increase premiums for individual policyholders because of the number of claims made, claim amounts or their health conditions.

In addition, VHIS Standard Plan guarantees renewal up to age 100 and VHIS Flexi Plan guarantees lifetime renewal. We will not reject your renewal request due to your claim history or health condition.

Bowtie shall not reject any application by the Policy Holder for the transfer of ownership to 

(a) the Insured Person if he has reached the Age of eighteen (18) years; 

(b) the parent or the Guardian of the Insured Person if he is a Minor; or 

(c) any person whose familial relationship with the Insured Person is accepted by Bowtie according to its prevailing underwriting practices.

VHIS Office – set up under the Food and Health Bureau, handles VHIS-related matters, including product offerings, approved product features and the code of practice for insurance companies under the ambit of the VHIS; 

Insurance Authority – regulates the conduct of insurance companies and insurance intermediaries;

Inland Revenue Department – manages matters related to tax deductions; and

Bowtie – policyholders can submit their complaints by mail or call the customer service hotline 3008 8123.

In this case, you need to redo the underwriting process. If the declared health condition impacts the risk assessment outcome, new exclusions may be added to your policy, your premiums may be adjusted or your policy may be cancelled.

VHIS products are designed and regulated by the government, including coverage, benefit limit and terms and conditions. There are three key differences between VHIS and other medical insurance plans: 

1. Medical insurance plans typically have a lifetime benefit limit. VHIS Standard Plan has an annual benefit limit of HK$420,000 and no lifetime benefit limit.

2. Most medical insurance plans on the market do not cover pre-existing conditions, but VHIS covers pre-existing conditions starting from the second policy year.

3. VHIS covers 70% of outpatient expenses for prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT, PET-MRI while typical medical insurance plans do not.

Yes. According to the Food and Health Bureau, not only can the policyholders claim a tax deduction on qualifying premiums up to HK$8,000 per year, they can also make deduction claims for more than one insured person without any limitation on the numbers of insured people or policies.

All Hong Kong ID holders age 18 or above are eligible for this tax benefit. For specific tax advice, please contact your tax consultant.

According to the Food and Health Bureau, all VHIS Standard Plans must meet 10 minimum requirements including guaranteed renewal up to age 100 without lifetime benefit limit, coverage for hospitalization and day case procedure, pre-existing conditions and prescribed diagnostic imaging tests and more.

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.

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.

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 to increase protection.

From day one, we reinvented the very structure of an insurance company and harness the latest technology. Everything is done online from initial application to underwriting to making a claim. By offering commission-free products and reducing operating costs through efficiencies, we can keep premiums at their lowest while still offering the same level of protection.

From a service standpoint, we are no different from traditional insurance companies. We also provide comprehensive and convenient customer care including claims assistance and after-sales support from our professional medical team. BowtieCash, our unique loyalty program helps relieve customers’ medical expense burden at critical moments in their lives.

VHIS Standard Plan covers a limited number outpatient care visits related to pre and post-hospitalisation and day case procedure. Prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT and PET-MRI are also covered up to 70%.