Menu
Call
Call 3018 9760 Mon-Fri 9:30am - 6:00pm

Updated at April 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 28 April 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

Other Benefit

a) Day Case Procedure Cash Benefit

Nil

Nil

b) Special Bonus

Nil

Nil

c) Medical Negligence Benefit

Nil

Nil

d) Total and Permanent Incapacity Income Benefit

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

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

e) Medical Appliances(15)

Nil

Nil

f) Upgraded Medical Appliances

Nil

Nil

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

Nil

Nil

h) Extra Serious Sickness Benefit

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

Product Brochure

Product Brochure

Policy Provisions

Policy Provisions

Policy Provisions

Company Background

Company Background

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 28 April 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.
 
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.

Promotion

• $2,000 BowtieCash(11) will be rewarded if promo code "MONEYHERO" has been provided in transaction
• Promotion period: from now to 28 April 2021

• Buy online for an exclusive offer of 15% off your first-year premium
• Additional 10% discount available for spouse or kids

Plan Name

Bowtie VHIS Flexi - Regular

Cigna VHIS Series - Flexi Plan

Plan Type

Flexi Plan

Flexi Plan

Geographical Cover

No restriction (Except for supplementary major medical benefit)

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

3648

/

3396

Age 2

3612

/

3108

Age 3

3216

/

2796

Age 4

3012

/

2544

Age 5

2748

/

2316

Age 6

2472

/

2088

Age 7

2220

/

1980

Age 8

2148

/

1908

Age 9

1992

/

1812

Age 10

1836

/

1740

Age
Male / Female
Age 11

1812

/

1740

Age 12

1740

/

1740

Age 13

1740

/

1800

Age 14

1740

/

1860

Age 15

1716

/

1968

Age 16

1764

/

2052

Age 17

1836

/

2124

Age 18

1860

/

2124

Age 19

1884

/

2172

Age 20

1920

/

2196

Age
Male / Female
Age 21

2004

/

2328

Age 22

2040

/

2376

Age 23

2112

/

2472

Age 24

2136

/

2580

Age 25

2172

/

2676

Age 26

2268

/

2928

Age 27

2328

/

3096

Age 28

2364

/

2316

Age 29

2376

/

3288

Age 30

2400

/

3504

Age
Male / Female
Age 31

2484

/

3540

Age 32

2568

/

3612

Age 33

2676

/

3636

Age 34

2760

/

3660

Age 35

2820

/

3684

Age 36

2928

/

3840

Age 37

3036

/

4032

Age 38

3144

/

4212

Age 39

3240

/

4344

Age 40

3372

/

4476

Age
Male / Female
Age 41

3540

/

4608

Age 42

3720

/

4752

Age 43

3900

/

4908

Age 44

4020

/

5088

Age 45

4116

/

5352

Age 46

4236

/

5640

Age 47

4392

/

5856

Age 48

4596

/

6108

Age 49

4836

/

6372

Age 50

5184

/

6480

Age
Male / Female
Age 51

5568

/

6576

Age 52

5964

/

6696

Age 53

6312

/

6816

Age 54

6612

/

6972

Age 55

6984

/

7128

Age 56

7320

/

7332

Age 57

7776

/

7656

Age 58

8304

/

7992

Age 59

8844

/

8388

Age 60

9468

/

8928

Age
Male / Female
Age 61

10116

/

9456

Age 62

10824

/

10020

Age 63

11508

/

10680

Age 64

12288

/

11400

Age 65

13080

/

12228

Age 66

14004

/

13140

Age 67

14916

/

14088

Age 68

15876

/

15060

Age 69

16740

/

15972

Age 70

17616

/

16872

Age
Male / Female
Age 71

18516

/

17808

Age 72

19452

/

18780

Age 73

20388

/

19752

Age 74

21252

/

20664

Age 75

22140

/

21600

Age 76

22968

/

22464

Age 77

23784

/

23328

Age 78

24624

/

24228

Age 79

25308

/

24948

Age 80

25944

/

25668

Age
Male / Female
Age 81

27168

/

27072

Age 82

28392

/

28464

Age 83

29604

/

29868

Age 84

30828

/

31260

Age 85

32052

/

32664

Age 86

32052

/

32664

Age 87

32052

/

32664

Age 88

32052

/

32664

Age 89

32052

/

32664

Age 90

32052

/

32664

Age
Male / Female
Age 91

32052

/

32664

Age 92

32052

/

32664

Age 93

32052

/

32664

Age 94

32052

/

32664

Age 95

32052

/

32664

Age 96

32052

/

32664

Age 97

32052

/

32664

Age 98

32052

/

32664

Age 99

32052

/

32664

Age 100

0

/

0

Age
Male / Female
Age 1

4676

/

4676

Age 2

4676

/

4676

Age 3

4676

/

4676

Age 4

4676

/

4676

Age 5

3117

/

3117

Age 6

3117

/

3117

Age 7

3117

/

3117

Age 8

3117

/

3117

Age 9

3117

/

3117

Age 10

3117

/

3117

Age
Male / Female
Age 11

3117

/

3117

Age 12

3117

/

3117

Age 13

3117

/

3117

Age 14

3117

/

3117

Age 15

3117

/

3117

Age 16

3117

/

3117

Age 17

3117

/

3117

Age 18

3312

/

3312

Age 19

3312

/

3312

Age 20

3372

/

3372

Age
Male / Female
Age 21

3415

/

3415

Age 22

3461

/

3461

Age 23

3551

/

3551

Age 24

3638

/

3638

Age 25

3727

/

3727

Age 26

3818

/

3818

Age 27

3911

/

3911

Age 28

4006

/

4006

Age 29

4104

/

4104

Age 30

4204

/

4204

Age
Male / Female
Age 31

4307

/

4307

Age 32

4412

/

4412

Age 33

4520

/

4520

Age 34

4630

/

4630

Age 35

4716

/

4716

Age 36

4730

/

4730

Age 37

4789

/

4789

Age 38

4909

/

4909

Age 39

5015

/

5015

Age 40

5188

/

5188

Age
Male / Female
Age 41

5378

/

5378

Age 42

5575

/

5575

Age 43

5779

/

5779

Age 44

5990

/

5990

Age 45

6209

/

6209

Age 46

6436

/

6436

Age 47

6671

/

6671

Age 48

6915

/

6915

Age 49

7168

/

7168

Age 50

7430

/

7430

Age
Male / Female
Age 51

7757

/

7757

Age 52

8098

/

8098

Age 53

8454

/

8454

Age 54

8826

/

8826

Age 55

9214

/

9214

Age 56

9638

/

9638

Age 57

10081

/

10081

Age 58

10545

/

10545

Age 59

11030

/

11030

Age 60

11537

/

11537

Age
Male / Female
Age 61

12091

/

12091

Age 62

12671

/

12671

Age 63

13279

/

13279

Age 64

13916

/

13916

Age 65

14584

/

14584

Age 66

15313

/

15313

Age 67

16079

/

16079

Age 68

16883

/

16883

Age 69

17727

/

17727

Age 70

18613

/

18613

Age
Male / Female
Age 71

19581

/

19581

Age 72

20599

/

20599

Age 73

21670

/

21670

Age 74

22797

/

22797

Age 75

23982

/

23982

Age 76

25277

/

25277

Age 77

26642

/

26642

Age 78

28081

/

28081

Age 79

29597

/

29597

Age 80

31195

/

31195

Age
Male / Female
Age 81

31507

/

31507

Age 82

31822

/

31822

Age 83

32140

/

32140

Age 84

32461

/

32461

Age 85

32786

/

32786

Age 86

33114

/

33114

Age 87

33445

/

33445

Age 88

33779

/

33779

Age 89

34117

/

34117

Age 90

34458

/

34458

Age
Male / Female
Age 91

34803

/

34803

Age 92

35151

/

35151

Age 93

35503

/

35503

Age 94

35858

/

35858

Age 95

36217

/

36217

Age 96

36579

/

36579

Age 97

36945

/

36945

Age 98

37314

/

37314

Age 99

37687

/

37687

Age 100

-

Age
Male / Female
Age 1

3396

/

3396

Age 2

3108

/

3108

Age 3

2796

/

2796

Age 4

2544

/

2544

Age 5

2316

/

2316

Age 6

2088

/

2088

Age 7

1980

/

1980

Age 8

1908

/

1908

Age 9

1812

/

1812

Age 10

1740

/

1740

Age
Male / Female
Age 11

1740

/

1740

Age 12

1740

/

1740

Age 13

1800

/

1800

Age 14

1860

/

1860

Age 15

1968

/

1968

Age 16

2052

/

2052

Age 17

2124

/

2124

Age 18

2148

/

2280

Age 19

2172

/

2424

Age 20

2196

/

2580

Age
Male / Female
Age 21

2328

/

2724

Age 22

2376

/

2736

Age 23

2472

/

2880

Age 24

2580

/

3012

Age 25

2676

/

3216

Age 26

2928

/

3444

Age 27

3096

/

3636

Age 28

3216

/

3756

Age 29

3288

/

3900

Age 30

3504

/

4104

Age
Male / Female
Age 31

3540

/

4164

Age 32

3612

/

4236

Age 33

3636

/

4344

Age 34

3660

/

4488

Age 35

3684

/

4668

Age 36

3840

/

4872

Age 37

4032

/

5100

Age 38

4212

/

5340

Age 39

4344

/

5508

Age 40

4476

/

5664

Age
Male / Female
Age 41

4608

/

5832

Age 42

4752

/

6036

Age 43

4908

/

6240

Age 44

5088

/

6384

Age 45

5352

/

6660

Age 46

5640

/

6924

Age 47

5856

/

7056

Age 48

6108

/

7308

Age 49

6372

/

7548

Age 50

6480

/

7608

Age
Male / Female
Age 51

6576

/

7776

Age 52

6696

/

7884

Age 53

6816

/

8064

Age 54

6972

/

8256

Age 55

7128

/

8448

Age 56

7332

/

8688

Age 57

7656

/

9096

Age 58

7992

/

9552

Age 59

8388

/

10008

Age 60

8928

/

10560

Age
Male / Female
Age 61

9456

/

11160

Age 62

10020

/

11796

Age 63

10680

/

12576

Age 64

11400

/

13452

Age 65

12228

/

14364

Age 66

13140

/

15492

Age 67

14088

/

16608

Age 68

15060

/

17796

Age 69

15972

/

18900

Age 70

16872

/

20016

Age
Male / Female
Age 71

17808

/

21168

Age 72

18780

/

22332

Age 73

19752

/

23472

Age 74

20664

/

24540

Age 75

21600

/

25620

Age 76

22464

/

26640

Age 77

23328

/

27672

Age 78

24228

/

28704

Age 79

24948

/

29604

Age 80

25668

/

30444

Age
Male / Female
Age 81

27072

/

31932

Age 82

28464

/

33408

Age 83

29868

/

34884

Age 84

31260

/

36360

Age 85

32664

/

37848

Age 86

32664

/

37848

Age 87

32664

/

37848

Age 88

32664

/

37848

Age 89

32664

/

37848

Age 90

32664

/

37848

Age
Male / Female
Age 91

32664

/

37848

Age 92

32664

/

37848

Age 93

32664

/

37848

Age 94

32664

/

37848

Age 95

32664

/

37848

Age 96

32664

/

37848

Age 97

32664

/

37848

Age 98

32664

/

37848

Age 99

32664

/

37848

Age 100

0

/

0

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

3680

/

3680

Age 19

3680

/

3680

Age 20

3747

/

3747

Age
Male / Female
Age 21

3794

/

3794

Age 22

3846

/

3846

Age 23

3946

/

3946

Age 24

4042

/

4042

Age 25

4141

/

4141

Age 26

4242

/

4242

Age 27

4346

/

4346

Age 28

4451

/

4451

Age 29

4560

/

4560

Age 30

4671

/

4671

Age
Male / Female
Age 31

4786

/

4786

Age 32

4902

/

4902

Age 33

5022

/

5022

Age 34

5144

/

5144

Age 35

5240

/

5240

Age 36

5256

/

5256

Age 37

5321

/

5321

Age 38

5454

/

5454

Age 39

5572

/

5572

Age 40

5764

/

5764

Age
Male / Female
Age 41

5976

/

5976

Age 42

6194

/

6194

Age 43

6421

/

6421

Age 44

6656

/

6656

Age 45

6899

/

6899

Age 46

7151

/

7151

Age 47

7412

/

7412

Age 48

7683

/

7683

Age 49

7964

/

7964

Age 50

8256

/

8256

Age
Male / Female
Age 51

8619

/

8619

Age 52

8998

/

8998

Age 53

9393

/

9393

Age 54

9807

/

9807

Age 55

10238

/

10238

Age 56

10709

/

10709

Age 57

11201

/

11201

Age 58

11717

/

11717

Age 59

12256

/

12256

Age 60

12819

/

12819

Age
Male / Female
Age 61

13434

/

13434

Age 62

14079

/

14079

Age 63

14754

/

14754

Age 64

15462

/

15462

Age 65

16204

/

16204

Age 66

17014

/

17014

Age 67

17866

/

17866

Age 68

18759

/

18759

Age 69

19697

/

19697

Age 70

20681

/

20681

Age
Male / Female
Age 71

21757

/

21757

Age 72

22888

/

22888

Age 73

24078

/

24078

Age 74

25330

/

25330

Age 75

26647

/

26647

Age 76

28086

/

28086

Age 77

29602

/

29602

Age 78

31201

/

31201

Age 79

32886

/

32886

Age 80

34661

/

34661

Age
Male / Female
Age 81

35008

/

35008

Age 82

35358

/

35358

Age 83

35711

/

35711

Age 84

36068

/

36068

Age 85

36429

/

36429

Age 86

36793

/

36793

Age 87

37161

/

37161

Age 88

37532

/

37532

Age 89

37908

/

37908

Age 90

38287

/

38287

Age
Male / Female
Age 91

38670

/

38670

Age 92

39057

/

39057

Age 93

39448

/

39448

Age 94

39842

/

39842

Age 95

40241

/

40241

Age 96

40643

/

40643

Age 97

41050

/

41050

Age 98

41460

/

41460

Age 99

41874

/

41874

Age 100

-

* Premium levy is not included in the above premiums

Level of Ward Class

No restriction

No restriction

Benefit Items(1)

a) Room and Board (per day)

$880 per day (7)

$1200 per day (Max. 180 days per Policy Year)

b) Miscellaneous Charges (per policy year)

$14000

$14,000

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

$750 per day (7)

$1200 per day (Max. 180 days per Policy Year)

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

$4300

$4,300

e) Intensive Care (per day)

$3,500 per day (Max. 60 days per Policy Year)

$3,500 per day (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-$70,000

Major-$35,000

Intermediate-$17,500

Minor-$8,750

g) Anaesthetist’s Fee

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable

h) Operating Theatre Charges

35% of Surgeon's fee payable(5)

35% of Surgeon's fee payable

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

$26,000 (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)

$1000 per visit, up to $15,000 per Policy Year
• 2 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure
• 10 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

$8,000 per Policy Year

Nil

b) Outpatient Kidney Dialysis

$50,000 per Policy Year

$30,000 per Policy Year

c) Post-confinement Daily Home Nursing

$500 per day
•Only payable for daily nursing services provided within 180 days after discharge from Confinement

$700 per day, maximum 15 days per Policy Year

d) Rehabilitative Care

$750 per day, up to $10,000 per Policy Year
• Only payable for Stay within 90 days after discharge from Confinement

Nil

e) Hospital Companion Bed

$350 per day

Nil

f) Supplementary Major Medical Benefit

$120,000 per Policy Year
Subject to 20% Coinsurance

$150,000 per Policy Year (10)Subject to 10% Coinsurance (except for medical services provided in a medical clinics where Coinsurance will be waived)

Other Benefit

a) Day Case Procedure Cash Benefit

$500 per surgical procedure

Nil

b) Special Bonus

$400 per day
Maximum 90 days per Policy Year

Nil

c) Medical Negligence Benefit

$1,000,000 on death of the Insured Person

Nil

d) Total and Permanent Incapacity Income Benefit

$500 per week (payable for 52 weeks)

Nil

e) Medical Appliances(15)

Nil

Nil

f) Upgraded Medical Appliances

Nil

Nil

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

Nil

Nil

h) Extra Serious Sickness Benefit

Nil

Nil

Annual Benefit Limit


$600,000 per Policy Year (8)
• for Benefit items (a) - (l) and 2(a) - (e)

$570,000 per Policy Year

Lifetime Benefit LImit

Nil
• for benefit items (a) - (l), 2(a) - (f) and 3(a) - (d)

Nil

Key Features

• 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

• DoctorNow app for virtual consultation and medication
• Cashless hospitalisation (9)
• Medical Classification Hotline and Care Manager
• Unknown Pre-existing Conditions are entitled to full coverage and not subject to any waiting period

Deductible (per policy year) (HKD)

Nil

Nil

VHIS Certification Number

F00031-01-000-01

F00012-01-000-02

Product Brochure

Bowtie Product Brochure

Cigna Product Brochure

Policy Provisions

Bowtie Policy Provisions

Cigna Policy Provisions

Company Background

Bowtie Company Background

Cigna 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, unless otherwise specified.
(2) The Company 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) Annual Benefit Limit does apply to benefit items 1(a)-(i) and 2(a)-(e), but does not apply to 2(f) and 3(a) to (d) in the table above.
(7) This benefit is not subject to a maximum of 180 days per Policy Year as set out in the Standard Plan Terms and Benefits.
(8) Annual Benefit Limit does not apply to benefit items 2(f) and 3(a) to (d) in the table above.
(9) Only applicable to Eligible Expenses.
(10) For Eligible Expenses resulting from Confinement, this benefit shall only be payable for Medical Services provided in a Standard Ward. For Confinement in a higher ward class (e.g. Semi-Private Room or Private Room), this benefit shall only be payable if the Hospital provides satisfactory evidence to show the ward upgrade was involuntary (i.e. where ward upgrade was required due to [i] Isolation, [ii] room shortage in case of Emergency; or [iii] other reasons not involving personal preference of the Policy Holder and/or the Insured Person). For full details of the calculation of this benefit, please refer to the Terms and Conditions and the Flexi Plan (SMM) Endorsement.
(11) 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 28 April 2021. For details, please refer to the campaign rules of the BowtieCash Program.
(12) Clinical, Dental and Maternity Benefit) and free benefits and services are not part of the VHIS certified plan. The premiums paid (if any) are not eligible for claiming tax deduction, any child discount and/or no claim renewal discount.
(13) "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.
(14) Full cover is only applicable to selected items under Summary of Benefits and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits.
(15) Medical appliances including pacemaker, stents for percutaneous transluminal coronary angioplasty, intraocular lens, artificial cardiac valve, metallic or artificial joints for joint replacement, prosthetic ligaments for replacement or implantation between bones, and prosthetic intervertebral disc.
(16) Upgraded medical appliances specified items including pacemaker, stents for percutaneous transluminal coronary angioplasty, intraocular lens, artificial cardiac valve, metallic or artificial joints for joint replacement, prosthetic ligaments for replacement or implantation between bones, and prosthetic intervertebral disc.
(17) Upgraded medical appliances non-specified items are other medical appliances not specified in notes(16) above.
(18) Upgraded Prescribed Non-surgical Cancer Treatments covered here only include radiotherapy, chemotherapy, targeted therapy, immunotherapy and hormonal therapy.
 
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.