Can disciplined forces buy accident insurance?
Bowtie Touchwood not only reimburses disciplined forces’ medical expenses resulting from accidents during duty but also covers related psychological treatment. Bowtie uses the example of firefighter Mr. Cheung to explain in detail.
A fire caused mental and physical distress to Mr. Cheung
Mr. Cheung is a 21-year-old firefighter. Two months ago, he was pierced by a hard object while fighting a fire on duty. He was then rushed to a public hospital for emergency treatment and had to be hospitalized for 3 days to undergo surgery to remove the fragments of the foreign object from his arm. However, this accident also caused him psychological trauma and emotional distress.
Diagnosed with trauma sequelae during the recovery period
Two weeks after the accident, although Mr. Cheung’s arm injury gradually improved, he suffered from nightmares almost every night, constantly envisioning the scene of the fire and the injuries suffered by other victims.
The lack of rest for a long time made it difficult for Mr. Cheung to focus on work. After discussing it with his family, he decided to seek treatment from a private hospital psychiatrist.
After being diagnosed, the doctor confirmed that the previous accident directly caused Mr. Cheung to suffer from trauma sequelae and recommended immediate treatment.
Family members can handle the claims process on behalf of the insured
Mr. Cheung followed the doctor’s advice and was arranged to be hospitalized for treatment. As Mr. Cheung was still in the recovery stage, both physically and mentally, his family members handled the claims process on his behalf.
Fortunately, Bowtie‘s claims process is simple, and his family members only needed to upload the necessary documents on the online platform, and the insurance company immediately followed up on the case.
Overview of Expenses for Accidental Injury*
| Item | Charges | Bowtie Touchwood Coverage |
| Emergency Room | $180 | $180 |
| Emergency Ward | $360 | $360 |
| Psychiatric Outpatient (Private Doctor) | $600 | $600 |
| Psychiatric Hospitalization | $12,600 | $12,600 |
| Attending Doctor’s Visit & Medication Fee | $14,000 | $14,000 |
| Total | $27,740 | $27,740 |
| Out-of-pocket expenses | $0 | |
| Claim Ratio | 100% | |
- *All costs are estimated based on hospital charges. Please inquire with the hospital for detailed and accurate costs.
