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Bowtie VHIS Flexi

Last checked

At a glance

Insurer
Bowtie Life Insurance Company Limited
Product category
VHIS medical
  • VHIS Flexi certified plans: Regular and Plus versions; benefits and limits depend on version.
Ask a licensed broker about this productCompare with similar plans

Decision sheet

6 of 14 known · 8 not published
What it pays and when

Recorded features: VHIS Flexi certified plans: Regular and Plus versions; benefits and limits depend on version.Public source · Checked:

Benefit limits
not published
Premium and payment term
not published
How premiums can change

Renewal does not involve health re-underwriting; the insurer reserves the right to revise policy terms and the prevailing premium schedule. Changes require prior approval from the Health Bureau.Public source · Checked:

Guaranteed / non-guaranteed
not published
Waiting periods
not published
Main exclusions
not published
Surrender / cancellation

Cancellation requires at least 30 working days notice.Public source · Checked:

Cooling-off

21-day cooling-off period; cancellation within it entitles you to a full refund of premiums paid.Public source · Checked:

Riders
not published
Claims steps

Insurer claims guide · Medical / VHIS

Medical / VHIS — Steps: Log in, enter claim details and bank details, upload documents, submit and track the result.Public source · Checked:

Medical / VHIS — Required documents: Doctor-completed medical claim form and receipts; medical reports, referral and other-insurer settlement letter if available.Public source · Checked:

Medical / VHIS — Deadlines / notification: Submit within 90 days of discharge / completed service; cashless pre-approval at least 5 working days before treatment.Public source · Checked:

Medical / VHIS — Submission channels: Upload on the Bowtie online platform; claim@bowtie.com.hk and 3001 5670 are published Claims Department contacts.Public source · Checked:

Medical / VHIS — Payment methods: Bank transfer to the supplied account after approval; cashless treatment requires pre-approval.Public source · Checked:

Medical / VHIS — Assessment / payment timing: Published payment time: bank transfer within 3 working days after approval; assessment varies by case.Public source · Checked:

Policy servicing from abroad
not published
Complaints and dispute routes

1. First contact the insurer through its published complaint channel; retain its written reply.Public source · Checked:

2. Insurance Authority: submit the signed complaint form with supporting documents by email, post or fax. It handles insurer/intermediary conduct; it cannot adjudicate claim disputes or order compensation. Eligible claim disputes can go directly to ICB; an IA referral requires the complainant’s consent.Public source · Checked:

3. Insurance Complaints Bureau: eligible monetary disputes under personal policies with member insurers, up to HK$1,500,000. A policyholder, beneficiary, insured or rightful claimant must file within six months of notification of the insurer’s final decision. Industrial, commercial and third-party insurance and cases undergoing or having completed litigation/arbitration are excluded. Non-claim complaints exclude service quality, underwriting decisions, investment performance and levels of fees, premiums, charges or interest. Similar rejected claims across policies are aggregated; periodic/long-tail claims use a five-year total.Public source · Checked:

ICB accepts written complaints by post, fax or email using its complaint form. Include policy and application documents, claim form, relevant evidence and the insurer’s final written decision; no reception counter service.Public source · Checked:

Deductibles / room / renewal
not published

Known means some sourced information is available, not complete terms. Missing details are not evidence of no cover or no restriction.

Questions to ask before buying

Questions to ask before buying (10)

Ask the insurer or a licensed Hong Kong broker. These questions do not imply that cover or restrictions exist.

  1. What benefit limits apply?
  2. How much is the premium, and how long must I pay it?
  3. What is the waiting period for illness claims?
  4. What exclusions apply?
  5. Which riders are available, and what are their costs and terms?
  6. How can I service the policy from abroad, and what restrictions apply?
  7. What deductibles, room limits and renewal terms apply?
  8. Can you provide the key facts statement and policy provisions for this product?
  9. What is the cooling-off period, and how do I cancel during it?
  10. Which benefits and values are guaranteed, and which are not?
Belongs to

Belongs to

Similar products share a type, currency and premium term band. Clusters describe published features, not suitability or ranking.

Matching goals and segments (by product type)

Insurers (14)
Comparison groups

Comparison groups

All published facts

All published facts

FieldRecorded information
Product category

VHIS medical

Source 1
Recorded features

VHIS Flexi certified plans: Regular and Plus versions; benefits and limits depend on version.

Source 1
Names in other languages
English
Bowtie VHIS Flexi
繁體中文
Bowtie 自願醫保 (靈活計劃)
简体中文
Not confirmed

Verified names follow insurer labels. Unconfirmed translations use English for navigation.

Sources & verification dates

Sources & verification dates

  1. Bowtie VHIS Flexi — official product page

    Source date: Not confirmed
    Checked:

  2. Bowtie 自願醫保 (靈活計劃) — official product page

    Source date: Not confirmed
    Checked:

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