Bowtie Accident Insurance covers medical expenses for injuries incurred from accidents, no matter how major or minor they are.
Outpatient (wound cleansing, stitches, etc.), Physiotherapy, Chiropractic and Chinese bone-setting treatments
MRI scans, Inpatient treatments, Surgery fees and up to $420k annual medical protection
Including Sports coaches, Disciplinary force, Professional drivers and more
Accidents are common among children and they are more prone to falls, burns, impacts, animal bites and more. Bowtie Accident Insurance can provide protection for your children from age 2 and up.
Unlike traditional accident insurance that typically reject high-risk professions, Bowtie Accident Insurance covers 700+ occupations and even offers protection for medical expenses that result from accidents at work.
People who play ball games, go hiking, running, cycling or play sports are more prone to injuries caused by accidents. From abrasions or sprains to fractures and joint injuries, Bowtie Accident Insurance will cover your medical expenses with up to $420k benefit limit.
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
Except for the compassionate death benefit, no payment will be made under the Plan fo rexpenses caused directly or indirectly, wholly or partly by any of the following:
If the Insured Person commits suicide, whether he/she is sane or insane, within one year of the Policy Issuance Date, our liability will be limited to a refund of the premiums paid. The above paragraphs are for reference only.
You should refer to the “Part 3: What is not covered” section in the terms and conditions of this plan for the complete list and details of exclusions.
Items listed for reference only. Please refer to the below attached document for details.
Remarks:
1. You can also find out the premiums for the next five years for reference.
2. You can take a photo of your HKID or upload your ID as a file. If you are unable to upload your ID currently, you can upload it later.
3. If you do not have a valid credit card, please contact our customer service.
*Terms and Conditions apply
* The information is for reference only. For benefit limit details, refer to the Policy Terms and Conditions.
Bowtie Life Insurance Company Limited is a limited liability company incorporated in Hong Kong.
Bowtie Accident Insurance Touchwood Protector is underwritten by our company and is intended for sale in Hong Kong only.
The above is for reference only. For detailed terms and conditions of the product, please refer to the policy.
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