Product Philosophy
Product Philosophy

How to Claim BowtieCash For Colonoscopy and Gastroscopy?

Author Bowtie Team
Updated on 2025-06-11

 

Disclaimer: This article is translated with the assistance of AI.

In the hustle of city life, irregular meals often lead to digestive woes. Your stomach and colon, part of the upper and lower digestive tracts, need endoscopy exams like colonoscopy and gastroscopy for a complete health scan. But with costs mounting, securing Bowtie VHIS claims and BowtieCash for full coverage is a game-changer!
~Exclusive Blog Offer~
Sales Up To 60% Off
Save up on your first year's premium now until Jun 29! (Enjoy extra coverage with our wellness package for just HK$200/month)

 

What’s the Difference Between Colonoscopy and Gastroscopy? Who Needs It?

Colonoscopy Gastroscopy
Tool A flexible tube with a camera that enters through the anus to examine the large intestine A flexible, camera-equipped tube inserted through the mouth to observe the stomach

These two procedures can detect abnormalities in the intestines and stomach, such as inflammation, ulcers, polyps, and cancer cells. Plus, they can also perform other treatments, like removing polyps or taking tissue samples for pathology testing.

If you’ve experienced or are dealing with any of the following on a long-term basis, consider getting a colonoscopy or gastroscopy based on your doctor’s referral or advice:

  • Unexplained weight loss or anemia
  • Abdominal discomfort, pain, or bloating
  • Frequent indigestion, acid reflux , or difficulty swallowing
  • Stomach bleeding
  • Black stools (indicating possible bleeding in the stomach), blood in stools, or mucus
  • Persistent urge to have a bowel movement even after going
  • Unstable bowel habits, like alternating between constipation and diarrhea
  • Ongoing diarrhea

How Much Does a Colonoscopy and Gastroscopy Cost? Can I Fully Claim?

We’ve compared the fees at various private hospitals and endoscopy centers, and gastroscopy can range from HK$5,000 to over HK$10,000, while colonoscopy can go from HK$8,000 to over HK$20,000. That means doing both could cost up to HK$30,000! And if you need extras like polyp removal or tissue analysis, costs can climb even higher, so claiming on insurance can save you a bundle.

Insurance policies vary widely, and you might think an endoscopy at a day center is always covered, but it’s not guaranteed. If your policy excludes outpatient procedures, you could be out of luck on the claim (check the details in the source material for more info).

Does Bowtie VHIS Cover Colonoscopy / Gastroscopy Costs?

The Bowtie VHIS plan can cover colonoscopy / gastroscopy costs.

Colonoscopy / gastroscopy is considered a minor surgery. If the insured undergoes it on a doctor’s recommendation, the procedure can be compensated, whether it’s inpatient or day surgery.

However, note that if the related colonoscopy / gastroscopy is for preventive treatment or care—such as general health checks, regular tests, or screening procedures without symptoms—it is not covered under the Bowtie VHIS plan.

Hurry! Bowtie Pink Flash Deal Ends Soon!

Tired of sky-high private hospital bills but hesitant about purchasing VHIS? Bowtie Pink provides full coverage*, with long-term premiums are substantially lower than market rates^.

For a limited time, use the exclusive Bowtie Blog promo code【BLOGENGINSURE】to get 50% off first year’s premium and secure top-tier health protection at an unbeatable price!



*Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, a pre-existing condition, “List of Designated Hospitals in Mainland China” and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
^For example, with Bowtie Pink (Ward) and the deductible option HK$80,000, the monthly premium for a 30-year-old non-smoker is HK$197. The premium comparison above is based on similar medical insurance plans with the ward level (data source on 27, July 2023), HK$50,000 to HK$80,000 deductibles, for a 30-year-old non-smoker. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.

What is BowtieCash?

BowtieCash is an additional reward for Bowtie VHIS policyholders to pay for reasonable medical expenses, which can be used to cover the remaining medical costs after claims from the Bowtie VHIS plan.

This program is governed by the BowtieCash Promotion Campaign terms.

We’ve designed 2 case studies, using the prices from the Eileen High-Definition Endoscopy Centre for endoscopy examinations, and assuming there’s HK$2000 in BowtieCash in the policy, to show you how Bowtie customers can claim the full examination costs without paying a single cent.

2 Case Studies for Colonoscopy and Gastroscopy Claims

Only Abnormal Cells Found in the Intestines

Case 3: Ms. Lee underwent an endoscopy at the Eileen High-Definition Endoscopy Centre (Mong Kok) , where everything in the stomach was normal, but 3 polyps (with fees the same for 1-3) were found in the intestines, requiring removal surgery. To prevent bleeding after polyp removal, the doctor used additional medical tools, like a snare, resulting in a HK$700 charge*, which the Bowtie VHIS plan considers as “miscellaneous” and fully compensates. With BowtieCash, Ms. Lee gets full reimbursement.

Item Price Bowtie VHIS Standard Coverage Bowtie VHIS Flexi Regular Coverage
Colonoscopy Costs
Surgeon’s Operation Fee HK$6300* HK$5000 HK$6000
Operating Room Fee HK$2100* HK$1750 HK$2100 (Fully covered!)
Pathology Analysis HK$1520* HK$2220
(Considered as “miscellaneous” and fully covered)
HK$2220
(Considered as “miscellaneous” and fully covered)
Snare HK$700*
Gastroscopy Costs
Surgeon’s Operation Fee HK$4500* HK$4500 (Fully covered!) HK$4500 (Fully covered!)
Operating Room Fee HK$1620* HK$1575 HK$1620 (Fully covered!)
Additional Medical Coverage / This plan does not provide additional medical coverage HK$240
Total $16740* HK$15045 HK$16680
Difference / HK$1695 HK$60
BowtieCash / $1695 $60
Actual Amount Paid / HK$0 HK$0
  • # The prices in the table are exclusive outpatient fees for Bowtie customers.
  • # The above fees include intravenous sedative injection fees, photo report with photos, doctor’s fees, operating room fees, equipment fees, laxatives, pre-surgery doctor’s consultation fees, and gastric endoscopy Helicobacter pylori testing.

Abnormal Cells Found in Stomach and Intestines

Case Four: Ms. Li underwent Alan High-Definition Gastroscopy Center (Mong Kok) an endoscopy examination, where several polyps were found in both the intestines and stomach (1-3 polyps, same fee), requiring removal surgery involving pathology analysis. To prevent bleeding after polyp removal, the doctor used additional medical tools, resulting in an extra HK$2700 charge^, but the Bowtie VHIS will cover this as ‘miscellaneous items’ in full. With BowtieCash, Ms. Li receives full reimbursement.

Item Price Bowtie VHIS Standard Coverage Provided Bowtie VHIS Flexi Regular Coverage Provided
Colonoscopy Fees
Surgeon’s Operation Fee HK$6300^ HK$5000 $6000
Operating Room Fee HK$2100^ HK$1750 $2100 (Fully covered!)
Pathology Analysis HK$1520^ $2220
(Treated as ‘miscellaneous’ coverage)
$2220
(Treated as ‘miscellaneous’ coverage) (Fully covered!)
Snare (Electrosurgical Tool) HK$700^
Gastroscopy Fees
Surgeon’s Operation Fee HK$4500^ HK$4500 (Fully covered!) HK$4500 (Fully covered!)
Operating Room Fee HK$1620^ HK$1575 HK$1620 (Fully covered!)
Pathology Analysis HK$900^ HK$900 (Fully covered!) HK$900 (Fully covered!)
Additional Medical Coverage / This plan does not provide additional medical coverage HK$240
Total Amount HK$17640^ HK$15945 HK$17340
Difference / HK$1695 HK$60
BowtieCash / $1695 $60
Actual Amount Paid / HK$0 HK$0
  • ^ The prices in the table are for outpatient services exclusive to Bowtie customers.
  • ^ The above fees all include intravenous sedation fees, biopsy forceps, photo reports with photos, doctor’s charges, operating room fees, laboratory fees, equipment fees, laxatives, pre-operative doctor’s consultation fees, and gastric endoscopy Helicobacter pylori testing.

The above cases are for reference only; actual medical costs will depend on the doctor’s recommendations and decisions based on the patient’s physical condition.

Hurry! Bowtie Pink Flash Deal Ends Soon!

Tired of sky-high private hospital bills but hesitant about purchasing VHIS? Bowtie Pink provides full coverage*, with long-term premiums are substantially lower than market rates^.

For a limited time, use the exclusive Bowtie Blog promo code【BLOGENGINSURE】to get 50% off first year’s premium and secure top-tier health protection at an unbeatable price!



*Full coverage shall mean no itemized benefit sub-limits, and applies to designated benefit items only. The benefit payable shall be subject to the remaining deductible (if applicable), annual benefit limit, lifetime benefit limit and other limitations such as reasonable and customary charges, a pre-existing condition, “List of Designated Hospitals in Mainland China” and receiving medical treatment in the United States. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.
^For example, with Bowtie Pink (Ward) and the deductible option HK$80,000, the monthly premium for a 30-year-old non-smoker is HK$197. The premium comparison above is based on similar medical insurance plans with the ward level (data source on 27, July 2023), HK$50,000 to HK$80,000 deductibles, for a 30-year-old non-smoker. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.

Sources

 

Related Articles

Why Might Bowtie VHIS Be Your Best Pick In Hong Kong? Why Might Bowtie VHIS Be Your Best Pick In Hong Kong?
Product Philosophy

Why Might Bowtie VHIS Be Your Best Pick In Hong Kong?

6 VHIS Common Misconceptions Exposed – Is It Worth Buying? 6 VHIS Common Misconceptions Exposed – Is It Worth Buying?
Product Philosophy

6 VHIS Common Misconceptions Exposed – Is It Worth Buying?

6 Most Common Insurance Questions on LIHKG Forum 6 Most Common Insurance Questions on LIHKG Forum
Product Philosophy

6 Most Common Insurance Questions on LIHKG Forum

Enter Promo Code [BLOGENGINSURE] when purchasing VHIS on or before 29 Jun to enjoy 50% off first years' premium!
Quote now

Other Topics

Email

General Enquiry
hello@bowtie.com.hk
Media Enquiry
media@bowtie.com.hk
Partnership
partner@bowtie.com.hk

© 2025 Bowtie Life Insurance Company Limited. All rights reserved.

Your Browser is outdated. To have a better user experience, please upgrade or change another browsers. OK