Which Cancer Expense is Covered in Bowtie Cancer Fighter?

• Any carcinoma in situ confirmed histologically ;
• Any malignant tumors and cancers (Stages I – IV) confirmed histologically

Cancer Fighter coverage does not include:

• Tumors diagnosed histologically as benign or pre-cancerous (such as Cervical Intraepithelial Neoplasia Grade I (CIN I) and Grade II (CIN II) in cervical abnormalities) ;
• Cancers associated with HIV ;
• Cancers caused by drugs and illegal activities ;
• Cancers caused by nuclear, biological, and chemical activities ;
• Cancers diagnosed before the policy effective date or occurring within 90 days after the policy effective date ;
• Existing diseases or congenital conditions

This policy compensates for the “eligible medical expenses” incurred due to a covered cancer, including the following costs:

• Diagnostic tests for the confirmed covered cancer:
  • Laboratory and blood tests
  • Imaging
    • X-rays
    • Ultrasound scans
    • CT scans
    • MRI scans
    • PET-CT scans
    • PET-MRI scans
  • Needle aspirations and excisional biopsies
• Treatment costs for the covered cancer:
  • Surgical procedures :
    • Open surgeries
    • Laparoscopic surgeries (minimally invasive)
    • Regional vascular interventions (such as femoral punctures)
    • Radiation therapy
    • Gamma knife
  • Drug treatments :
    • Chemotherapy
    • Targeted therapy
    • Immunotherapy
    • Treatment for side effects
  • Medical fees :
    • Doctor fees
    • Anesthetist fees
    • Operating room fees
    • Hospitalization fees
    • Miscellaneous charges
  • Follow-up costs for monitoring, assessment, and recovery :
    • Monitoring checks for five years after active treatment
    • Physical therapy
    • Surgical reconstruction

This policy compensates for the “eligible medical expenses” incurred due to a covered cancer, excluding the following costs:

• Treatment for undiagnosed cancers
• Hospitalization solely for diagnostic procedures
• General check-ups
• Vaccines for cancer prevention
• Non-medical services
• Clinically unproven procedures or experimental treatments
• Genetic testing
• Cosmetic treatments (except for surgical reconstruction primarily after cancer treatment)
• Vision correction
• Already reimbursed expenses
• Non-prescription drugs and supplements
• Mental health disorders

1. Miss Li discovered a lump in her breast one year after purchasing the insurance product;
2. After undergoing an ultrasound ($1,100 per session) and an MRI scan ($10,490 per session), a suspicious 3cm lump was confirmed in her left breast;
3. She underwent a vacuum-assisted breast biopsy ($24,000 per session), and the breast tissue was sent to a pathologist for histological diagnosis;
4. She was diagnosed with stage 2A breast cancer and will undergo a modified radical mastectomy ($36,700 per session) and breast reconstruction surgery ($150,000 per session);
5. After surgery, she received hormone therapy ($1,000 per month) and targeted therapy ($14,000 – $82,000 per month) to improve her prognosis;
6. Miss Li regularly visits her attending doctor for follow-ups to monitor her recovery. Meanwhile, she purchased some over-the-counter supplements based on her friends’ recommendations.

In this case, all medical expenses leading to the breast cancer diagnosis are included, such as imaging exams and breast lump biopsies; expenses for breast surgery and subsequent drug treatments, including hormone and targeted therapy; or medical examinations recommended by her attending doctor, are all covered under the policy.

However, the costs of the supplements she purchased on her friends’ recommendations will not be included in the coverage.