Bowtie Accident Insurance

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No more worries on medical expenses from accidents

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Bowtie is here to provide holistic protection against any injuries

Bowtie Accident Insurance covers medical expenses incurred from accidents, no matter how major or minor they are.


Minor Accidents

Clinic (Cleanse wound, stitches), physiotherapy, Chinese bone-setting, and chiropractic


Major Accidents

MRI scans, hospitalisation, and surgeries. Bowtie covers medical expenses up to HK $420,000 annually


700+ occupations covered

Including sports coaches, disciplined services, and drivers

Who needs accident insurance?

Product overview


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


Exception: Psychiatric treatment in Hong Kong only

Claim method

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 Summary

Benefit Item

Benefit limit (in HKD)

(a) Physiotherapy, chiropractic and Chinese bone-setting treatments

⚠️ include charges on the treatments respectively performed by a Registered Physiotherapist, a Registered Chiropractor and a Registered Chinese Bonesetter

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)

(b) Outpatient treatments

⚠️ include charges on: (i) consultation and medication by a Registered Medical Practitioner (excluding psychiatric treatment; and (ii) diagnostic X-ray and ultrasound

$5,000 per Policy Year
- Consultation and Medication: $580 per visit

(c) Room and Board

$750 per day; 180 days per Policy Year

(d) Attending doctor's visit fees

$750 per day;180 days per Policy Year

(e) Intensive care

$3,500 per day;25 days per Policy Year

(f) Confinement miscellaneous charges

$14,000 per Policy Year

(g) Specialist's fees

$4,300 per Policy Year

(h) Surgeon's fees

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

(i) Anaesthetist's fees

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

(j) Operating theatre charges

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

(k) Prescribed Diagnostic Imaging Tests

include: (i) computed tomography (“CT” scan); (ii) magnetic resonance imaging (“MRI” scan); (iii) positron emission tomography (“PET” scan); (iv) PET-CT combined; and (v) PET-MRI combined

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

(l) Psychiatric treatments

include charges on the psychiatric treatments during Confinement in Hong Kong as recommended by a Specialist

$30,000 per Policy Year

(m) Compassionate death benefit


For further information, please refer to the documents below.

Policy Exclusions
  1. Infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof (except infection which directly results from an accidental cut or wound). Any illness, disease, ptomaines or infection (except infection which directly results from accidental cut or wound)
  2. Any Pre-existing Condition(s)
  3. Hazardous activities: engaging in:
    (a) winter sports, or 
    (b) racing on wheels (except cycling) or on horse, or 
    (c) underwater activities involving the use of breathing apparatus, or
    (d) rock climbing, mountaineering (which requires the use of ropes or guides), or
    (e) football or rugby football, or
    (f) ice hockey, or
    (g) aerial flights other than fare-paying passenger on a licensed carrying commercial aircraft operating in a regular scheduled route or
    (h) any other hazardous activities or sports
  4. Professional Sports
  5. Pregnancy, miscarriage, abortion, childbirth or any other complications
  6. Accidents arising from or consequential upon the dependence, overdose or influence of drugs, alcohol
  7. Treatment of any Injury for which expenses have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

Items listed are for reference only. Please refer to the below attached document for details.

Key Risks
  1. Premium Adjust Risk - Standard premium rates are not guaranteed and are subject to change based on the emerging experience of Bowtie in relation to claims, persistency and expenses, medical cost inflation and any change in the benefit structure. Therefore, renewal premiums may be higher or lower than the premium currently reflected.
  2. Products Features Revision - Bowtie reserves the right to revise the terms and benefits upon policy renewal by giving 30 days’ advance written notice.  
  3. Cancellation - We reserve the absolute right to cancel this plan at any time by giving you prior notice of at least 30 days  by electronic means. The unearned portion of the premium at the time of termination shall be refunded to you.

Items listed for reference only. Please refer to the below attached document for details.

Important Product Information

Product Category
Accident Medical Reimbursement Plan – Reimbursement for medical expenses incurred within 12 months due to an accident
Issue Age
age 2 – age 55
Period of Cover
1 year – Annual renewal up to age 60 (non-guaranteed)
Waiting Period
  • Upon renewal, there shall be no re-underwriting. No additional rate of premium loading or case-based exclusions shall be imposed by reason of any change in the Insured Person's health conditions.
  • If the Insured Person changes to a more hazardous occupation, the corresponding premium rate for such more hazardous occupation will be applied.
  • Upon renewal, we reserve the right to revise Policy Terms and Conditions, including the prevailing standard premium schedule.
Cooling-off Period
21 days
Within the cooling-off period, you may cancel the Plan and receive a full refund of premium
Policy Cancellation
You may request cancellation of the Plan by giving at least 30 days prior notice.
Tax Deduction
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.
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