Author
Bowtie Team
Updated on
2025-07-24
Disclaimer: This article is translated with the assistance of AI.
Successfully Handled Multiple Claims Over About 3 Years
Payout Ratio Up to 87%*
Before deciding to get insured with Bowtie, if you’re hesitating due to lack of confidence in us, why not check out Bowtie’s claims summary so far! Since officially launching VHIS in April 2019, we’ve been committed to providing comprehensive medical protection to numerous customers, with a payout ratio as high as 87%* .
- * The payout ratio calculation includes all Bowtie insurance reimbursement products, such as Bowtie VHIS Standard , Bowtie VHIS Flexi , Bowtie Pink , Touch Wood Protector and Cancer Fighter .
Claim Cases Distribution by Product**
- ** As of May 29, 2022
Hong Kong’s Unique BowtieCash for Fuller Coverage
Getting 100% reimbursement isn’t just luck! Many insurance plans on the market have compensation limits, so sometimes you end up paying out of pocket for certain medical expenses.
Some Bowtie customers successfully applied during promotional periods and earned BowtieCash , so when claiming, even if expenses exceeded the limits, they paid $0! In the past six months’ claims, over 10% of the expenses were covered by BowtieCash . Curious why? Check out how BowtieCash works now!
Real-Life Story (1): Outpatient Surgery at $0 Out-of-Pocket
Compared to other medical services, circumcision surgery is simple and low-risk. But even for such day surgeries, the fees can be pricey and may exceed the VHIS reimbursement limit. That’s when BowtieCash comes in handy!
Take policyholder Mr. B as an example. He used the BowtieCash gifted upon policy purchase to easily cover the excess amount beyond the limit, ultimately getting full reimbursement for the surgery.
Real-Life Story (2): Claim Approval in as Fast as 5 Days
The biggest fear when buying insurance is not being able to claim. Customer Ms. Lee was understandably worried when submitting her first claim, but Bowtie’s process is super simple and convenient. Not only can it be done online, but there’s also dedicated support to ensure you get your reimbursement quickly.
September 2: Consultation
- Ms. Lee visited a family doctor for chest pain and was referred to a cardiologist for further checks.
September 6: Second Consultation
- Ms. Lee consulted a cardiologist. After diagnosis, she needed hospital admission for angioplasty (commonly known as “balloon angioplasty”).
September 17: Submit Claim Application
- After discharge, Ms. Lee uploaded documents online to submit the claim.
September 18: Case Requires Additional Documents from Doctor for Review
- After Bowtie’s initial review, we requested relevant medical records from the first doctor. Ms. Lee was also updated on the progress.
October 9: Bowtie Receives Doctor’s Response Documents
- Bowtie received the documents and proceeded with the review.
October 11: Claim Approved
- The case was approved, and Ms. Lee was notified via email.
October 14: Reimbursement Completed
- Ms. Lee received an email confirmation from Bowtie that the payout was deposited into her bank account.
- * This claim example applies only to customers who submit all required eligible documents; actual time may vary based on individual circumstances.
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