Author
Bowtie Team
Updated on
2025-11-17
Disclaimer: This article is translated with the assistance of AI.
Sports are essential for kids’ well-being, but accidents like falls can lead to fractures or infections. As a parent, would you endure long public hospital waits or choose fast private care with Bowtie Accident Insurance?
Childhood Sports Accidents
Miss Li’s son is named Tin Lok, and he’s 5 years old this year with a lively and active personality. Every week, he attends a basketball interest class at the basketball court near his housing estate. During team practice, Tin Lok unfortunately got knocked down by other players while dribbling, resulting in scratches and bleeding on both hands.
Miss Li was extremely worried when she saw her son injured, because she had insured him with Touch Wood Protector , and immediately took him to a nearby private hospital for examination and wound treatment.
After understanding the details of the accident, the private hospital doctor arranged for X-rays on both arms for Tin Lok. Fortunately, the results showed it was just superficial injuries without any fractures. The medical staff provided wound care, and then Miss Li took him home to rest.
Accident Expense Overview*
| Item | Charges | Touch Wood Protector Coverage |
| Outpatient fees (including doctor fees, medication, outpatient nursing assessment, and wound cleaning costs) | $900 | $580 |
| X-ray diagnostic fee | $1,120 | $1,120 |
| Total | $2,020 | $1,700 |
| Out-of-pocket expenses | $320 | |
| Reimbursement rate | 84.2% | |
- All fees are estimated based on hospital charges; please inquire with the hospital for detailed and accurate fees.
Sources
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