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Bowtie Accident Insurance covers medical expenses incurred from accidents, no matter how major or minor they are.
Clinic (Cleanse wound, stitches), physiotherapy, Chinese bone-setting, and chiropractic
MRI scans, hospitalisation, and surgeries. Bowtie covers medical expenses up to HK $420,000 annually
Including sports coaches, disciplined services, and drivers
Coverage
Treatment due to injury or accident
Payable for the actual expenses for Medically Necessary treatments which. are incurred within 12. month of the date of the Accident. Medical treatments covered include:
- Physiotherapy, chiropractic and Chinese bone-setting treatments (as Outpatient)
- Outpatient treatments; and
- Inpatient treatments and Day Case Procedures, with benefit cateogires similar to hospital indemnity insurance plans
Area
Worldwide
Exception: Psychiatric treatment in Hong Kong only
Claim method
Reimbursement
We will reimburse the expenses incurred up to the benefit limit according to the benefit items listed in the table
Same Eligible Expenses item will only be reimbursable under one benefit item
If the Insured Person is entitled to a reimbursement of all or part of such expenses from other sources, we will only be liable for an amount recovered from such other sources
Benefit limit
Limit 1: Each benefit item has individual benefit limit as listed in the table below
Limit 2: HK $420,000 per Policy Year
Benefit limit (in HKD)
For Injuries that involve bone fracture:
- 6 visits per Accident causing the injury
- $500 per visit
- 1 visit per day
For Injuries that involve no bone fracture:
- 4. visits per Accident causing injury
- $250 per visit
- 1 visit per day
8 visits per Policy Year (including visits for either of the above two types of Injuries)
$5,000 per Policy Year
- Consultation and Medication: $580 per visit
$750 per day; 180 days per Policy Year
$750 per day；180 days per Policy Year
$3,500 per day；25 days per Policy Year
$14,000 per Policy Year
$4,300 per Policy Year
Per surgery, subject to the surgical category in the Schedule of Surgical. procedures：
- Complex - $50,000 per Surgery
- Major - $25,000 per Surgery
- Intermediate - $12,500 per Surgery
- Minor - $5,000 per Surgery
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum Anaesthetist’s fee to be reimbursed will be: $10,000 × 35% ＝ $3,500
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum operating theatre charges to be reimbursed will be: $10,000 × 35% ＝ $3,500
Subject to Your Contribution of 30% of the charges If you had a PET-MRI scan which cost $15,000, Your Contribution will be: $15,000 × 30% ＝ $4,500; The maximum charge to be reimbursed will be: $15,000 × 70% ＝ $10,500 o $20,000 per Policy Year If you had a second PET-MRI scan within the same Policy Year which again cost $15,000, the maximum reimbursement will be up to the remaining Policy Year benefit limit: $20,000 – $10,500 = $9,500
$30,000 per Policy Year
$15,000
2 - 55 Years Old (1)
1 Year Renewed Annually until 60 Years Old (2)
Hong Kong Dollar
Notes：
(1) Age refers to age of insured person's last birthday。
(2) Bowtie reserves the right to adjust renewal premium or not to renew your policy。
Items listed for reference only. Please refer to the attached document for details：Key Risks and Policy Exclusions
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