There is no waiting period^ for VHIS, unless you are with “unknown pre-existing conditions”*.
For insured without "Unknown pre-existing conditions", any injury occurred or illnesses diagnosed after the policy effective date, eligible medical expenses incurred will be payable instantly from the inception of the policy.
For insured with "Unknown pre-existing conditions", any eligible medical expenses arising from Unknown Pre-existing Conditions will be payable according to the below waiting period arrangement as stated in the terms and benefits. For other non-pre-existing conditions , eligible medical expenses incurred will be payable instantly from the inception of the policy.
Below is the waiting period and reimbursement arrangement of Unknown pre-existing condition for Bowtie VHIS Flexi Regular, Bowtie VHIS Flexi Plus and Bowtie Pink VHIS Plan:
| Waiting Period (by Policy Year) | Reimbursement ratio |
| 1st policy year | 0% (no reimbursement will be made to the insured) |
| 2nd policy year onwards | 100% of the eligible medical expenses within benefit limit |
Below is the waiting period and reimbursement arrangement of Unknown pre-existing condition for Bowtie VHIS Standard:
| Waiting Period (by Policy Year) | Reimbursement ratio |
| 1st policy year | 0% (no reimbursement will be made to the insured) |
| 2nd policy year | 25% of the eligible medical expenses within benefit limit |
| 3rd policy year | 50% of the eligible medical expenses within benefit limit |
| 4th policy year onwards | 100% of the eligible medical expenses within benefit limit |
We have upgraded our Bowtie Pink VHIS Plan on September 15, 2022. The upgrade will be applicable to both new and existing customers.
^ It refers to a period after policy is in effect in which insured would not be compensated for conditions diagnosed.
* It refers to the illness that the insured was not aware of before VHIS application, learn more by reading this article.