There are three ways to reduce co-insurance expenses: You can claim from Group Medical Insurance at the same time to reduce co-insurance expenses.  For example, Ms. Chan is an insured person of Bowtie VHIS Flexi Plan Regular and Group Medical Insurance Pro Gold, and she can claim from both (VHIS first, followed by the group medical insurance). Alternatively, you can choose to purchase high-end VHIS as they do not have co-insurance. Although the plan has a deductible, an insured person can still use group medical insurance to offset the expense. If you do not have Group medical insurance, Bowtie insured person can also use “BowtieCash” to pay for reasonable medical expenses that exceed the benefit limit.