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Updated at May 2021

Voluntary Health Insurance Scheme (VHIS)

The Voluntary Health Insurance Scheme (VHIS) took effect on 1 April 2019. There are two certified plans, Standard Plan and Flexi Plan. Compare the pros and cons and pick the plan that suits you best.

Promotion

• Buy online for an exclusive offer of 15% off your first-year premium
• Additional 10% discount available for spouse or kids
• Benefit for compulsory quarantine(15)due to novel coronavirus infection – For policyholders, an extra one-off payment of HK$2,000 cash for compulsory quarantine due to confirmed or suspected novel coronavirus infection which will apply during the period from now until 31 Dec 2021

• $2,000 BowtieCash(9) will be rewarded if promo code "MONEYHERO" has been provided in transaction
• Promotion period: from now to 3 August 2021

Plan Name

Cigna VHIS Series

Bowtie VHIS Standard

Plan Type

Standard Plan

Standard Plan

Geographical Cover

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Worldwide
(For psychiatric treatment, the territorial scope only covers Hong Kong)

Annual Premium

Smoking StatusSmoking status when the policy is issued

Attained age Attained age when the policy is issued

Non-smoker Aged 21 - 30
Age
Male / Female
Age 1

2766

/

2766

Age 2

2766

/

2766

Age 3

2766

/

2766

Age 4

2766

/

2766

Age 5

1844

/

1844

Age 6

1844

/

1844

Age 7

1844

/

1844

Age 8

1844

/

1844

Age 9

1844

/

1844

Age 10

1844

/

1844

Age
Male / Female
Age 11

1844

/

1844

Age 12

1844

/

1844

Age 13

1844

/

1844

Age 14

1844

/

1844

Age 15

1844

/

1844

Age 16

1844

/

1844

Age 17

1844

/

1844

Age 18

1956

/

1956

Age 19

1956

/

1956

Age 20

1989

/

1989

Age
Male / Female
Age 21

2011

/

2011

Age 22

2033

/

2033

Age 23

2089

/

2089

Age 24

2140

/

2140

Age 25

2192

/

2192

Age 26

2245

/

2245

Age 27

2300

/

2300

Age 28

2356

/

2356

Age 29

2413

/

2413

Age 30

2472

/

2472

Age
Male / Female
Age 31

2532

/

2532

Age 32

2594

/

2594

Age 33

2657

/

2657

Age 34

2722

/

2722

Age 35

2755

/

2755

Age 36

2766

/

2766

Age 37

2799

/

2799

Age 38

2866

/

2866

Age 39

2922

/

2922

Age 40

2988

/

2988

Age
Male / Female
Age 41

3097

/

3097

Age 42

3210

/

3210

Age 43

3327

/

3327

Age 44

3449

/

3449

Age 45

3575

/

3575

Age 46

3706

/

3706

Age 47

3842

/

3842

Age 48

3982

/

3982

Age 49

4128

/

4128

Age 50

4279

/

4279

Age
Male / Female
Age 51

4467

/

4467

Age 52

4664

/

4664

Age 53

4869

/

4869

Age 54

5083

/

5083

Age 55

5307

/

5307

Age 56

5551

/

5551

Age 57

5806

/

5806

Age 58

6073

/

6073

Age 59

6352

/

6352

Age 60

6644

/

6644

Age
Male / Female
Age 61

6963

/

6963

Age 62

7297

/

7297

Age 63

7647

/

7647

Age 64

8014

/

8014

Age 65

8399

/

8399

Age 66

8819

/

8819

Age 67

9260

/

9260

Age 68

9723

/

9723

Age 69

10209

/

10209

Age 70

10719

/

10719

Age
Male / Female
Age 71

11276

/

11276

Age 72

11862

/

11862

Age 73

12479

/

12479

Age 74

13128

/

13128

Age 75

13811

/

13811

Age 76

14557

/

14557

Age 77

15343

/

15343

Age 78

16172

/

16172

Age 79

17045

/

17045

Age 80

17965

/

17965

Age
Male / Female
Age 81

18145

/

18145

Age 82

18326

/

18326

Age 83

18509

/

18509

Age 84

18694

/

18694

Age 85

18881

/

18881

Age 86

19070

/

19070

Age 87

19261

/

19261

Age 88

19454

/

19454

Age 89

19649

/

19649

Age 90

19845

/

19845

Age
Male / Female
Age 91

20043

/

20043

Age 92

20243

/

20243

Age 93

20445

/

20445

Age 94

20649

/

20649

Age 95

20855

/

20855

Age 96

21064

/

21064

Age 97

21275

/

21275

Age 98

21488

/

21488

Age 99

21703

/

21703

Age 100

-

Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1128

/

1296

Age 19

1128

/

1332

Age 20

1140

/

1356

Age
Male / Female
Age 21

1176

/

1392

Age 22

1212

/

1440

Age 23

1248

/

1488

Age 24

1296

/

1548

Age 25

1332

/

1608

Age 26

1380

/

1692

Age 27

1428

/

1764

Age 28

1452

/

1836

Age 29

1476

/

1908

Age 30

1512

/

1956

Age
Male / Female
Age 31

1560

/

2016

Age 32

1620

/

2112

Age 33

1668

/

2196

Age 34

1728

/

2292

Age 35

1788

/

2400

Age 36

1848

/

2496

Age 37

1896

/

2592

Age 38

1944

/

2676

Age 39

1992

/

2748

Age 40

2112

/

2868

Age
Male / Female
Age 41

2220

/

2988

Age 42

2340

/

3132

Age 43

2460

/

3264

Age 44

2568

/

3384

Age 45

2688

/

3480

Age 46

2808

/

3576

Age 47

2916

/

3648

Age 48

3036

/

3744

Age 49

3168

/

3828

Age 50

3300

/

3924

Age
Male / Female
Age 51

3444

/

3996

Age 52

3588

/

4080

Age 53

3768

/

4152

Age 54

3960

/

4236

Age 55

4164

/

4332

Age 56

4368

/

4440

Age 57

4656

/

4572

Age 58

4848

/

4704

Age 59

5040

/

4860

Age 60

5388

/

5184

Age
Male / Female
Age 61

5736

/

5544

Age 62

6144

/

5844

Age 63

6540

/

6204

Age 64

6936

/

6552

Age 65

7332

/

6876

Age 66

7704

/

7260

Age 67

7968

/

7572

Age 68

8292

/

7896

Age 69

8796

/

8220

Age 70

9156

/

8556

Age
Male / Female
Age 71

9516

/

8904

Age 72

9900

/

9264

Age 73

10296

/

9636

Age 74

10704

/

10020

Age 75

11136

/

10416

Age 76

11460

/

10728

Age 77

11688

/

10944

Age 78

11928

/

11160

Age 79

12168

/

11388

Age 80

12408

/

11616

Age
Male / Female
Age 81

12660

/

11844

Age 82

12912

/

12084

Age 83

13176

/

12324

Age 84

13440

/

12576

Age 85

13704

/

12828

Age 86

13968

/

13080

Age 87

14244

/

13332

Age 88

14532

/

13596

Age 89

14808

/

13872

Age 90

15108

/

14136

Age
Male / Female
Age 91

15252

/

14280

Age 92

15408

/

14424

Age 93

15564

/

14568

Age 94

15720

/

14712

Age 95

15876

/

14856

Age 96

16032

/

15000

Age 97

16188

/

15144

Age 98

16344

/

15300

Age 99

16512

/

15444

Age 100

-

Age
Male / Female
Age 1

-

Age 2

-

Age 3

-

Age 4

-

Age 5

-

Age 6

-

Age 7

-

Age 8

-

Age 9

-

Age 10

-

Age
Male / Female
Age 11

-

Age 12

-

Age 13

-

Age 14

-

Age 15

-

Age 16

-

Age 17

-

Age 18

2173

/

2173

Age 19

2173

/

2173

Age 20

2210

/

2210

Age
Male / Female
Age 21

2234

/

2234

Age 22

2259

/

2259

Age 23

2321

/

2321

Age 24

2378

/

2378

Age 25

2436

/

2436

Age 26

2494

/

2494

Age 27

2556

/

2556

Age 28

2618

/

2618

Age 29

2681

/

2681

Age 30

2747

/

2747

Age
Male / Female
Age 31

2813

/

2813

Age 32

2882

/

2882

Age 33

2952

/

2952

Age 34

3024

/

3024

Age 35

3061

/

3061

Age 36

3073

/

3073

Age 37

3110

/

3110

Age 38

3184

/

3184

Age 39

3247

/

3247

Age 40

3320

/

3320

Age
Male / Female
Age 41

3441

/

3441

Age 42

3567

/

3567

Age 43

3697

/

3697

Age 44

3832

/

3832

Age 45

3972

/

3972

Age 46

4118

/

4118

Age 47

4269

/

4269

Age 48

4424

/

4424

Age 49

4587

/

4587

Age 50

4754

/

4754

Age
Male / Female
Age 51

4963

/

4963

Age 52

5182

/

5182

Age 53

5410

/

5410

Age 54

5648

/

5648

Age 55

5897

/

5897

Age 56

6168

/

6168

Age 57

6451

/

6451

Age 58

6748

/

6748

Age 59

7058

/

7058

Age 60

7382

/

7382

Age
Male / Female
Age 61

7737

/

7737

Age 62

8108

/

8108

Age 63

8497

/

8497

Age 64

8904

/

8904

Age 65

9332

/

9332

Age 66

9799

/

9799

Age 67

10289

/

10289

Age 68

10803

/

10803

Age 69

11343

/

11343

Age 70

11910

/

11910

Age
Male / Female
Age 71

12529

/

12529

Age 72

13180

/

13180

Age 73

13866

/

13866

Age 74

14587

/

14587

Age 75

15346

/

15346

Age 76

16174

/

16174

Age 77

17048

/

17048

Age 78

17969

/

17969

Age 79

18939

/

18939

Age 80

19961

/

19961

Age
Male / Female
Age 81

20161

/

20161

Age 82

20362

/

20362

Age 83

20566

/

20566

Age 84

20771

/

20771

Age 85

20979

/

20979

Age 86

21189

/

21189

Age 87

21401

/

21401

Age 88

21616

/

21616

Age 89

21832

/

21832

Age 90

22050

/

22050

Age
Male / Female
Age 91

22270

/

22270

Age 92

22492

/

22492

Age 93

22717

/

22717

Age 94

22943

/

22943

Age 95

23172

/

23172

Age 96

23404

/

23404

Age 97

23639

/

23639

Age 98

23876

/

23876

Age 99

24114

/

24114

Age 100

-

Age
Male / Female
Age 1

1932

/

1632

Age 2

1800

/

1500

Age 3

1680

/

1392

Age 4

1572

/

1272

Age 5

1476

/

1200

Age 6

1344

/

1140

Age 7

1212

/

1092

Age 8

1128

/

1056

Age 9

1080

/

1032

Age 10

1044

/

1032

Age
Male / Female
Age 11

1044

/

1044

Age 12

1056

/

1080

Age 13

1068

/

1116

Age 14

1080

/

1152

Age 15

1092

/

1188

Age 16

1116

/

1236

Age 17

1128

/

1272

Age 18

1200

/

1380

Age 19

1284

/

1476

Age 20

1308

/

1560

Age
Male / Female
Age 21

1356

/

1608

Age 22

1392

/

1632

Age 23

1452

/

1716

Age 24

1500

/

1800

Age 25

1548

/

1860

Age 26

1608

/

1968

Age 27

1656

/

2052

Age 28

1680

/

2124

Age 29

1716

/

2232

Age 30

1764

/

2280

Age
Male / Female
Age 31

1812

/

2352

Age 32

1872

/

2460

Age 33

1932

/

2568

Age 34

2004

/

2676

Age 35

2064

/

2796

Age 36

2148

/

2916

Age 37

2220

/

3036

Age 38

2280

/

3144

Age 39

2352

/

3228

Age 40

2472

/

3360

Age
Male / Female
Age 41

2604

/

3516

Age 42

2736

/

3696

Age 43

2868

/

3840

Age 44

3012

/

3972

Age 45

3144

/

4092

Age 46

3288

/

4212

Age 47

3432

/

4284

Age 48

3576

/

4404

Age 49

3720

/

4512

Age 50

3900

/

4608

Age
Male / Female
Age 51

4068

/

4704

Age 52

4248

/

4812

Age 53

4464

/

4896

Age 54

4692

/

5004

Age 55

4932

/

5112

Age 56

5196

/

5256

Age 57

5532

/

5412

Age 58

5784

/

5580

Age 59

6012

/

5772

Age 60

6480

/

6204

Age
Male / Female
Age 61

6888

/

6600

Age 62

7356

/

6924

Age 63

7836

/

7332

Age 64

8292

/

7728

Age 65

8760

/

8112

Age 66

9192

/

8544

Age 67

9540

/

8904

Age 68

9912

/

9288

Age 69

10512

/

9696

Age 70

10944

/

10092

Age
Male / Female
Age 71

11376

/

10500

Age 72

11832

/

10920

Age 73

12312

/

11352

Age 74

12804

/

11808

Age 75

13308

/

12276

Age 76

13704

/

12648

Age 77

13980

/

12900

Age 78

14256

/

13164

Age 79

14544

/

13428

Age 80

14832

/

13692

Age
Male / Female
Age 81

15132

/

13968

Age 82

15432

/

14244

Age 83

15744

/

14532

Age 84

16056

/

14820

Age 85

16380

/

15120

Age 86

16692

/

15420

Age 87

17028

/

15720

Age 88

17364

/

16032

Age 89

17700

/

16344

Age 90

18048

/

16668

Age
Male / Female
Age 91

18228

/

16836

Age 92

18408

/

16992

Age 93

18588

/

17160

Age 94

18780

/

17340

Age 95

18960

/

17508

Age 96

19152

/

17676

Age 97

19344

/

17856

Age 98

19536

/

18024

Age 99

19728

/

18204

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

Nil

Nil

Benefit Items(1)

a) Room and Board (per day)

$750 per day
(Max. 180 days per policy)

$750 per day
(Max. 180 days per policy)

b) Miscellaneous Charges (per policy year)

$14,000 per Policy Year

$14,000 per Policy Year

c) Attending Doctor’s Visit Fee(per day)

$750 per day
(Max. 180 days per policy Year)

$750 per day
(Max. 180 days per policy Year)

d) Specialist’s Fee (per policy year)(2)

$4,300 per Policy Year

$4,300 per Policy Year

e) Intensive Care (per day)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

$3,500 per Policy Year
(Max. 25 days per Policy Year)

f) Surgeon’s Fee (per surgery)

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

Complex-$50,000

Major-$25,000

Intermediate-$12,500

Minor-$5,000

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable(5)

i) Prescribed Diagnostic Imaging Tests (per policy year)(2) (3)

$20,000
Subject to 30% Coinsurance

$20,000
Subject to 30% Coinsurance

j) Prescribed Non-surgical Cancer Treatments (per policy year)(4)

$80,000

$80,000

k) Pre- and Post-Confinement / Day Case Procedure Outpatient Care(per visit)(2)

$580 per visit, up to $3,000 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
• 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)

$580 per visit, up to $3,000 per Policy Year
• 1 prior outpatient visit or Emergency consultation per Confinement /Day Case Procedure
• 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after
discharge from Hospital or completion of Day Case Procedure)

l) Psychiatric Treatments (per policy year)

$30,000

$30,000

Enhanced Benefit Items

a) Accident Emergency Outpatient Treatments

Nil

Nil

b) Outpatient Kidney Dialysis

Nil

Nil

c) Post-confinement Daily Home Nursing

Nil

Nil

d) Rehabilitative Care

Nil

Nil

e) Hospital Companion Bed

Nil

Nil

f) Supplementary Major Medical Benefit

Nil

Nil

g) In-hospital Private Nurse

Nil

Nil

h) Specific Day Case Procedureat Network Provider

Nil

Nil

i) Hospice care

Nil

Nil

j) Specified Endoscopy Procedure at the Network Day CaseEndoscopy Centre

Nil

Nil

Other Benefit

a) Day Case Procedure Cash Benefit

Nil

Nil

b) Accidental Death

Nil

Nil

c) Special Bonus

Nil

Nil

d) Medical Negligence Benefit

$500 per week (payable for 52 weeks)(6)

$500 per week (payable for 52 weeks)(6)

e) Total and Permanent Incapacity Income Benefit

Nil

Nil

f) Medical Appliances(15)

Nil

Nil

g) Upgraded Medical Appliances

Nil

Nil

h) Upgraded Prescribed Non-surgical Cancer Treatments(18)

Nil

Nil

i) Extra Serious Sickness Benefit

Nil

Nil

j) Second Claim Cash Allowance

Nil

Nil

Annual Benefit Limit

$420,000 per Policy Year

$420,000 per Policy Year

Lifetime Benefit LImit

Nil

Nil

Key Features

• DoctorNow app for virtual consultation and medication
• Cashless hospitalisation(8)
• Medical Classification Hotline and Care Manager
• Medical Classification Hotline to classify treatment and estimate your plan coverage
• Registered Nurse as your Care Manager for Major and Complex surgeries
• Online customer portal to manage your policies and make claims

• Fully End-to-End Digital VHIS Experience - from initial application and online underwriting, to making a claim, everything can be done on your smartphone
• Claim Assistance - a dedicated case manager will follow up, and will assist with the estimation and online submission of your claims
• BowtieCash Program - unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program
• Qualified doctor and nurse concierge services - provide professional second medical opinion, explanation of treatment, hospital information and health tips

Deductible (per policy year) (HKD)

Nil

Nil

VHIS Certification Number

S00031-01-000-01

S00023-01-000-01

Product Brochure

Policy Provisions

Company Background

Notes

(1) Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above.
(2) VHIS Provider shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(3) Tests covered here only include computed tomography (“CT” scan), magnetic resonance imaging (“MRI” scan), positron emission tomography (“PET” scan), PET-CT combined and PET-MRI combined.
(4) Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
(5) The percentage here applies to the Surgeon's fee actually payable or the benefit limit for the Surgeon's fee according to the surgical categorisation, whichever is the lower.
(6) Please refer to the policy for details
(7) The service is provided by a 3rd party service provider and FWD shall not be responsible for any act or failure to act on the part of the 3rd party service provider. This service is not guaranteed renewable and is not applicable to Insured Person aged 75 or above. FWD may revise the details of the services from time to time without prior notice. This service is available to the Insured Person when travelling outside the home country or country of residence for periods not exceeding ninety (90) consecutive days per trip.
(8) Only applicable to Eligible Expenses
(9) BowtieCash Program -unique loyalty program that enables customers to earn BowtieCash to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. $2,000 BowtieCash will be rewarded if promo code "MONEYHERO" has been provided in transaction. Promotion period: from now to 3 August 2021. For details, please refer to the campaign rules of the BowtieCash Program.
(10) No claim in 3 or more consecutive policy years entitles you with a premium discount on the next policy anniversary, up to 15 % of the total premiums paid for the preceding policy year.
(11) Once this plan is in effect, you can book day case procedures at network clinics and day case procedure centres, and a network doctor will apply for the medical expense pre-approval service on your behalf.
(12) Once the service is arranged successfully, AIA will settle directly with the private hospital the medical expenses incurred during hospital stay on your behalf. You can then focus fully on your recovery without having to worry about paying hospital bills and making a subsequent claim. Any shortfall payment resulting from your hospital stay will be settled after treatment, leaving you stress-free at this critical time. After the final claim amount has been settled, any related benefit limits will be reduced accordingly.
(13) Only applicable to the first 10,000 eligible new policies. If the Insured Person is diagnosed with a serious illness, AIA will arrange our medical specialists (the designated service provider) to provide the personal medical case management services for a period of 90 days. The provider will assess and provide medical recommendation for the customer’s diagnosis and treatment.
(14) AIA Vitality is a game changing wellness programme which redefines the traditional concept of insurance, aims to reward customer to live a healthy lifestyle. Once you join AIA Vitality, you can enjoy an instant 10% premium discount for the AIA Voluntary Health Insurance Standard Scheme. If you choose to follow a healthier lifestyle, you can even receive up to 15% premium discount continuously, while at the same time earning AIA Vitality Points and enjoying array of rewards and offers to help you live a healthier lifestyle.
(15) "Compulsory quarantine" means the insured person is confirmed or suspected to have contracted 2019-nCoV virus as certified by any Physician, and the insured person is being confined in an isolated ward of a hospital or kept in an isolated site appointed by the government or at home quarantine for at least twenty-four (24) consecutive hours and continuously stays in there until discharged from the quarantine. Compulsory quarantine order by the government due to travel history alone does not apply.
(16) Except psychiatric treatments
 
Other than the provision of marketing services to virtual insurance companies (that do not work with insurance intermediaries), MHGL does not carry on an insurance business and all insurance related activities on the Services are carried out by MHIBL.