Author
Bowtie Team
Updated on
2025-07-21
Disclaimer: This article is translated with the assistance of AI.
Wondering if a torn meniscus means no more insurance options? Will you face extra premiums (loadings)? Let the Bowtie team break down our underwriting rules for you.
What is a Torn Meniscus?
The meniscus is a crescent-shaped cartilage in the knee that helps distribute pressure evenly and acts as a shock absorber. Torn meniscus is a very common sports injury in Hong Kong, often caused by sudden changes in direction while running or abrupt twisting of the knee.
Meniscus Tears Come in Two Types
Torn Meniscus Underwriting Considerations
1. What Treatments Has the Insured Received? (Including Medication/Surgery)
We assess the type of treatment the insured has undergone, such as whether they’ve had meniscus repair surgery or just conservative treatment.
2. Has the Insured Fully Recovered? Any Complications?
We consider the insured’s recovery level, like the date of last treatment, full recovery date, and any complications (including chronic pain, limited normal knee movement, stiffness, or weakness).
Torn Meniscus Underwriting Results
1. Coverage Approved, But with Premium Loading and/or Exclusions
While the insurance company may approve the application, they might add a premium loading (commonly known as “loading”) and/or exclusions based on the situation.
2. Direct Rejection
If the insured hasn’t fully recovered, has other complications, or needs further treatment, we may decide to reject the application outright based on the case details .
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