Apply for insurance online with Bowtie to save as much as
This plan is designed based on actual medical charges and common medical conditions. Bowtie Flexi Plan ranks 3rd in the market for the largest number of additional benefits2, and the highest benefit limit for “Prescribed Diagnostic Imaging Test” 2.
We aim to provide you with sufficient financial support for medical expenses even with one medical insurance plan.
Basic Benefit Limit
No lifetime limit
PremiumTake a 30-year-old non-smoking male as an example
Looking for medical insurance with different levels of coverage? Bowtie also offers a high-end VHIS Bowtie Pink and VHIS Standard.
Extra Health and Medical Coverage
Add on $200/month
Extra cancer coverage
Form $57/month4
Both VHIS Flexi and VHIS Standard Plans are regulated and certified by the Health Bureau. Flexi Plans cover the same items as the Standard Plan but offer higher protection with higher limits and additional benefits.
All Bowtie VHIS Flexi Plans offer guaranteed lifetime renewal. As long as you pay your premiums on time, you will not lose your protection.
If medical expenses for the following items exceed the benefit limit, SMM will cover 80% of the difference up to the SMM limit.
For more information, refer to the benefit schedule for Flexi Regular and Flexi Plus.
SMM = 80% x (eligible expenses exceeding benefit limit) x (room level adjustment factor if applicable)
If you undergo day case surgery and the expense is covered by the surgeon’s fee benefit, you will also get Day Case Procedure cash benefit. This is applied based on each surgery and the cash benefit is HK$800 for Flexi Regular and HK$1,300 for Flexi Plus.
All benefits do not have restrictions on the room level. However, adjustment factor will be applied to the SMM benefit based on your room level.
There is no age limit for a hospital companion bed. Only one hospital companion bed is covered.
Yes.
Yes.
Yes, Bowtie currently allows each insured person to have
The plan provides worldwide coverage. But both the Policyholder and the Insured Persons must reside in Hong Kong at the time of application. The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently. (except for places of residence affected by sanctions or war).
An extra loading might be applied to reflect the higher risks of the relocated countries. If you do not accept the premium adjustment, you can choose not to renew your policy. If the Insured Persons go out of town for travel, studying abroad or work temporarily, No extra premium loading will be applied to policies.
The Policyholder and the Insured Persons should contact Bowtie for any address/location updates. For any enquiries, please contact our customer service team at 3008-8123.
No, each VHIS Standard, Flexi, or Pink Plan can only have one policyholder and one insured person. However, policyholders can apply for their eligible family members.
Eligible family members refer to the policyholder's spouse, children, parents, siblings, grandparents, or spouse's siblings, parents and grandparents.
If you mistakenly gave an inaccurate answer for an underwriting question in your application, please contact us as soon as possible through the following channels to make the correction.
Please note inaccurate information may impact claims results in the future.
If you are unable to get an instant quote, it doesn’t mean your application is declined. It may be due to one of the following:
If you provided us with your email address in your application, Bowtie customer service will be in touch to assist with your application.
You can contact us through the following channels if you have questions about our underwriting or unsure how to answer.
Please note inaccurate information may impact future claims results.
Bowtie leverages Hong Kong’s first-of-its-kind fully online medical underwriting system to evaluate applicants’ health conditions instantly. No medical examinations or paper forms are required, and as a result, the application process is shortened from at least three days to as quick as 10 minutes.
Based on the health information you provided, we analyze the severity of your previous illnesses and instantly provide the fairest and most accurate premium rates. Typically, if the applicant is in good health, premiums would be low. 95% of the questions in our underwriting system are multiple choice.
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 LiveChat 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 our 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 policyholder 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 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.