Notice of Bowtie VHIS Flexi Terms and Benefits Amendments

Notice of Bowtie VHIS Flexi Terms and Benefits Amendments

Thank you for your continuous support. At Bowtie, we believe that health protection should keep pace with the times. That’s why we review the benefit items and limits of VHIS annually and keep enhancing its coverage. This year, after evaluating the current VHIS coverage against claims statistics and medical inflation, we decided to upgrade certain benefit items to better protect you.

Starting from 30 April 2022, a benefit enhancement will be made to the Terms and Benefits of the Bowtie Voluntary Health Insurance Scheme (VHIS) Flexi policies to benefit Bowtie customers with the amendments as below:

1. >20% increase in the benefit limit of the following items on average, to reduce your  “out-of-pocket” expenses
   1. Room and Board, 
   2. Miscellaneous Charges, 
   3. Surgeon’s fee, 
   4. Anaesthetist’s fee, 
   5. Operating theatre charges, 
   6. Pre- and post-Confinement/ Day Case Procedure Outpatient Care, 
   7. Day Case Procedure Cash Benefit
2. Increase the number of prior outpatient visits or Emergency consultations for Pre-Confinement/Day Case Procedure Outpatient Care
3. Adjustment on Waiting Period and Reimbursement Arrangement of Unknown Pre-existing Conditions (i.e. Enjoy 100% reimbursement starting from the second policy year)

The above change will not affect the premium until the upcoming renewal, product risks or exclusions of your policy. You may refer to this <Notice of Terms and Conditions Amendments> for details of the amendments.

Should you have any further enquiry, please feel free to contact our Customer Service Department during our office hours as below;

• Monday to Friday: 10 am to 5 pm
• Saturday: 10 am to 2 pm
• Sunday & Public holiday: Closed

In case of any discrepancy between the Chinese and English version of this notice, the English version shall prevail.