To keep pace with high global medical inflation and ensure sustainable, comprehensive coverage, we must make necessary structural adjustments. In designing these protections, Bowtie has incorporated recent health and medical trends, including mental health and preventive screening, to further promote wellness among corporate employees.
1. Introducing medical network with cashless doctor visits
Bowtie is officially introducing an outpatient medical network to our corporate medical insurance packages to streamline the clinic experience. Insured members of the Pro Care Series can now enjoy cashless medical services with HK$0 co-payment using our new e-medical card at a network doctor.
At the same time, the plan retains the flexibility of non-network outpatient coverage. Members can still choose their preferred doctors and clinics and get reimbursed afterwards based on the plan’s coverage limits with their medical receipts.
2. Expanded mental health support
As society places increasing importance on mental health, we have enhanced our coverage in this product upgrade. We have added coverage for psychiatric outpatient consultations and treatments, ranging from HK$500 to HK$800 per visit, to the Pro Bronze, Pro Silver, and Pro Gold plans, supporting your team in managing stress and mental health challenges.
3. Enhanced Hospital Cash benefits
We understand that the pressure of hospitalisation comes not only from medical bills but often accompanies unexpected living expenses and mental burdens. To support employees during difficult times, we have added two new Hospital Cash benefits for the Pro Care Series:
- Accidental Confinement cash benefit: Provides a daily cash allowance of HK$500 for employees hospitalised due to accidental injury, subsidising miscellaneous expenses during their stay.
- Cancer Confinement cash benefit: Fighting cancer is a long battle. We hope to alleviate the financial burden for employees undergoing cancer treatment that requires hospitalisation by providing an additional daily cash aid of HK$1,000.
4. More comprehensive health check-ups
We are upgrading all annual health check-up packages to enhance preventative care. New test items target common working-adult health risks like diabetes, early kidney changes, thyroid issues, and brain fog. A single, comprehensive check-up now offers more practical health indicators for early risk identification.
New check-up items include:
- Renal Function Profile: Added eGFR (Estimated Glomerular Filtration Rate), which assesses early kidney function changes more accurately than creatinine tests alone.
- Diabetes Screening: In addition to Fasting Blood Glucose, we added HbA1c (Glycated Hemoglobin), reflecting average blood sugar control over the past 3 months to identify diabetes risk early.
- Thyroid Function Test: A complete test panel including TSH, Free T4, and Free T3, helping to identify thyroid issues behind work fatigue and brain fog.
- Other Key Indicators: Added Urine Analysis and Calcium Test to screen for urinary system health and basic bone metabolism respectively.
5. A more defined benefit structure for the future
To ensure the long-term competitiveness of our products, we are introducing sub-limits for specific surgical procedures and outpatient services to prevent abuse and safeguard our customers’ interests.
The new surgical sub-limits apply to Day Case Endoscopy and Day Case Viral Warts and Skin Lesion Procedures. All plan levels will feature a reimbursement cap for these items after the upgrade. Additionally, the outpatient coverage for the Pro Care Series now includes a specified annual allowance for certain outpatient services to ensure coverage remains sustainable and broadly available.
Bowtie adheres to transparency in product pricing. While we strive to lower costs through technology, rising medical service costs necessitate a premium adjustment for the Pro Care Series.
All new premiums will apply starting from your renewal date in 2026:
| Plan level |
New premium rate
(per member, per month) |
| Basic Bronze |
HK$10 |
| Basic Silver |
HK$98 |
| Basic Gold |
HK$198 |
| Pro Bronze |
HK$388 HK$498 |
| Pro Silver |
HK$488 HK$598 |
| Pro Gold |
HK$598 HK$698 |
| Pro Platinum |
HK$798 HK$898 |
For plan terms and conditions, please refer to the Bowtie Corp Medical Insurance product page and relevant product documents.
Bowtie is dedicated to bringing you a high-quality insurance experience. We promise to maintain open and transparent communication with our customers. If you have any questions regarding the above product upgrades, please email the Bowtie Customer Service team at cs@bowtie.com.hk.
Thank you for your support and trust.
