There is no waiting period^ for VHIS, unless you are with “unknown pre-existing conditions”*.
For the insured person without ‘unknown pre-existing conditions’ , the eligible medical expenses incurred from any injury or illnesses diagnosed after the policy effective date will be payable instantly from the inception of the policy.
For the insured person with ‘unknown pre-existing conditions’, any eligible medical expenses arising from the conditions will be payable according to the below waiting period arrangement as stated in the terms and benefits.
Below is the waiting period and reimbursement arrangement of Unknown pre-existing condition for Bowtie VHIS Flexi Regular/Plus and Bowtie Pink (Semi-Private/Private):
| Waiting Period (from the effective date of the policy) | Reimbursement ratio |
| The first 180 days | 0% |
| On and after the 181st day | 100% of the eligible medical expenses within the benefit limit |
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Buy NowBelow 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 |
^ It refers to a period after policy is in effect in which the insured person would not be reimbursed for any conditions.
* It refers to the illness that the insured was not aware of before VHIS application, learn more by reading this article.
#The monthly standard premiums shown here is based on a 30-year-old non-smoking male purchasing Bowtie Pink (Semi-Private) with a deductible of HK$80,000.
1 It refers to a period after policy is in effect in which insured would not be compensated for conditions diagnosed.