It depends on your needs. All Bowtie VHIS can cover eligible medical expenses for hospitalization or surgery due to accidental injuries. The Flexi Plan and Bowtie Pink even have Accident emergency outpatient treatments that cover treatment costs at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident. While Bowtie's medical insurance plan covers hospitalization and surgery costs from accidents, it also provides coverage for outpatient treatments, physiotherapy, chiropractic, and tui na massage treatments arising from accidental injuries.
Plan Comparison
| VHIS - Standard | VHIS - Flexi | Bowtie Pink | Touch Wood Protector | |
| Coverage status / Illness | Any accident or illness* | Any accident or illness* | Any accident or illness* | Any accident* |
| Basic Coverage Limit | HK$420,000/ /year, with no lifetime limit. | Regular Plan: $600,000 /year, with no lifetime limit. Plus Plan: $1,000,000 /year, with no lifetime limit. |
Ward Plan: $8 million per year; $40 million per lifetime Semi-private Plan: $10 million per year; $50 million per lifetime Private Plan: $20 million per year; $80 million per lifetime |
HK$420,000/ /year, with no lifetime limit. |
| Accident Outpatient | ✅ Treatment at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident | ✅ Treatment at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident | ✅ | |
| Physiotherapy, Chiropractic, and Tui Na Massage Treatments | ✅ | |||
| Hospitalization / Surgery Treatments | ✅ | ✅ | ✅ | ✅ |
| Territorial Scope of Cover | Worldwide except Psychiatric Treatment |
Worldwide except Psychiatric Treatment, Rehabilitation Therapy, and Medical Negligence Coverage |
Worldwide except the US, hospitals that are out of the List of Designated Hospitals in Mainland China and Psychiatric Treatment |
Worldwide except Psychiatric Treatment |
For benefit details, please refer to the product website and policy Terms and Conditions.
*Except General Exclusion