Get cancer treatment protection for only $2 a day(1)
Includes full coverage for all levels of malignant cancer and carcinoma in situ (2), from diagnosis and monitoring to surgery, treatment and medication expenses (including targeted therapy and immunotherapy) with customers not needing to pay any deductibles (3).
Bowtie Cancer Fighter premium rates are lower than other major insurance providers' cancer insurance plans (4) because we leverage technology to greatly reduce operational costs and pass on savings to our customers.
In the unfortunate event of cancer diagnosis, $1 million benefit for cancer treatment is immediately activated, which is enough to cover the cost of treatment for most cancer cases within 3 years. And every 3 years thereafter, the $1 million benefit is replenished to provide protection against cancer recurrence or diagnosis of other cancers until the benefit reaches policy's lifetime coverage limit.
Choose from $1/$2/$3 million lifetime benefit options for protection for the entire cancer treatment journey until 5 years after final treatment, recurrence and diagnosis of other cancers.
Over 30% of deaths in Hong Kong are caused by cancer (5). The top five fatal cancers are lung cancer, colon cancer, liver cancer, breast cancer and pancreatic cancer (5).
Nearly 20% of cancer patients give up treatment because they could no longer afford it. For instance, targeted therapy for lung cancer amounts to as high as $50,000 monthly (7) while full treatment for colon cancer at private hospitals costs $1.3 million (6).
Prolonged waiting time for treatments could lead to poorer health outcomes. The waiting time for treatment at public hospitals ranges from several weeks to over 2 years (8).
Cancer Fighter protects you every step of the way
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Coverage
Medical Services Incurred from Covered Cancer(s)
Payable for the actual expenses for necessary Medical Services which are incurred from Covered Cancer(s).
Area Cover
Worldwide
Claim Method
Reimbursement
1. We will reimburse the actual medical expenses arising from Covered Cancer(s) according to the benefit items and limits listed in the table below.
2. Same Eligible Expenses item will only be reimbursable under one benefit item.
3. If the Insured is entitled to a refund of all or part of such expenses from other source(s), we will only be liable for an amount in excess of the amount recovered from such other source(s).
Waiting Period
90 days
Any Cancer occurring during the first 90 days after Policy Effective Date is not covered.
Benefit Limit
Cancer Fighter 100
Lifetime Limit
$1,000,000
Cancer Fighter 200
Lifetime Limit
$2,000,000
-
$1,000,000 for every 3-year period from the data of Diagnosis of the first Covered Cancer
Cancer Fighter 300
Lifetime Limit
$3,000,000
-
$1,000,000 for every 3-year period from the data of Diagnosis of the first Covered Cancer
Compassionate Death Benefit
$10,000
Phase
Diagnostic
Treatment
Treatment
Treatment / Terminal Cancer
Treatment / Terminal Cancer/ Recovery
Recovery
Terminal Cancer
Others
Items (a)-(i) have restricted conditions
Items (o) - (u) have a compensation limit
The information above is for reference only, for more details please refer to below documents.
Listed items are for reference only, for all details and terms & conditions：Key Product Risks and Exclusion
Listed items are for reference only, for all details and terms & conditions：Key Product Risks and Exclusion
Anyone from 15 days after birth to the age of 65 can apply for this Cancer Medical Reimbursement Plan.
Bowtie Cancer Fighter guarantees lifetime renewal and will not be affected by claims history.
Yes, there is awaiting period of 90 days after the policy takes effect, any cancer that occurs during this period will not be covered.
There is no restriction on the class of hospital room in which the insured person can be admitted to, however, an Adjustment Factor will be applied to the calculation of the hospital benefit, depending on the inpatient ward tier. Please refer to the benefit table for details.
Yes. Bowtie Cancer Fighter provides a maximum coverage of $1,000,000 every 3 years until the accumulated benefits reach lifetime coverage. This arrangement is not affected by the patient's medical condition.
Bowtie Cancer Fighter covers all levels of malignant and carcinoma in situ, except for precancerous lesions, CIN I or CIN II abnormalities of the cervix, or all cancers that coexist with HIV infection.
The plan provides worldwide coverage. But both the Policyholder and the Insured Persons must reside in Hong Kong at the time of application. The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently. (except for places of residence affected by sanctions or war).
An extra loading might be applied to reflect the higher risks of the relocated countries. If you do not accept the premium adjustment, you can choose not to renew your policy. If the Insured Persons go out of town for travel, studying abroad or work temporarily, No extra premium loading will be applied to policies.
The Policyholder and the Insured Persons should contact Bowtie for any address/location updates. For any enquiries, please contact our customer service team at 3008-8123.
Just like traditional insurance companies, Bowtie has a customer service centre, hotline, email and real-time online enquiry to assist customers with insurance applications, claim estimation and claims assistance.
You can call our customer service hotline at 3008 8123, or email cs@bowtie.com.hk. We take customer feedback seriously and will follow up with you as soon as possible. If you need, you can make an appointment or visit our customer service centre in person, our professional team will be at your service.
You are free to decide which insurance company to apply for the claim first. If you need to apply for compensation from more than one insurance company, in addition to the basic documents, you only need to submit the original (or verified copy) of the compensation statement and medical receipt issued by the first insurance company to the second insurance company for approval.
Insurance Authority - handles matters related to the general conduct of insurance companies and insurance intermediaries; and Bowtie LifeInsurance Company - policyholders may write or call the customer service hotline 3008 8123 for any inquiries or complaints.
The coverage of Bowtie’s Cancer Fighter Insurance Plan is not limited to hospitalisation and its related expenses.
Confirmation inspection, surveillance inspection, day surgery, active treatment, palliative treatment, drug costs, etc. are also covered by Bowtie’s Cancer Fighter Insurance Plan.
All claims involving death must be notified to Bowtie immediately, while other claims must submit the required supporting documents, forms and information within 90 days of the insured event. If you cannot file a claim with Bowtie within the above-mentioned time, please call our customer service hotline 3008 8123, or email cs@bowtie.com.hk to make arrangements.
You need to re-declare your health status for underwriting. If the declared health status affects the risk assessment of the policy, the policy may require additional exclusions or premium adjustments, or even cancel the policy.
Customer service experience is highly valued at Bowtie. Policyholders only need to use a mobile phone or computer to estimate compensation or apply for compensation on our online platform. For each case, Bowtie will appoint a claim specialist to follow up, assist you in submitting a claim application and provide a claim progress inquiry. If you have any questions during the process, you can also call our customer service hotline 3008 8123, or email cs@bowtie.com.hk for enquiries.
Annual renewal premiums are adjusted based on age, and Bowtie will not increase your premiums based on the number or amount of claims you make, or your medical condition. Bowtie’s Cancer Fighter Insurance Plan guarantees lifetime renewal, and we will not reject your renewal request because of your claim history or health conditions.
Remarks：
1）Assuming that the monthly premium is $61 and the average daily premium is $2 for a non-smoker, 34 years old, male, insured under the “Cancer Fighter 100” plan. “Bowtie Cancer Fighter” offers $1,000,000 coverage every 3 years until the accumulated benefit reaches lifetime coverage limits. This is independent of the patient's medical condition.
2）“Bowtie Cancer Fighter” covers all grades of malignant cancer and carcinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.cinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.
3）For a standard semi-private ward or below, if the insured person chooses to stay in a standard private ward or above when receiving inpatient treatment, we will only pay a specified percentage of the relevant expenses. Please refer to the benefit details below.
4）Based on the premium comparison between “Bowtie Cancer Fighter 300” and similar cancer medical insurance plans of 3 major insurance companies in the market (with the same lifetime coverage of $3 million) for non-smoking males and non-smoking females aged 0, 20, 30 and 50. Please note that the coverage amount of each cancer health insurance plan varies. For details, please refer to the plan information of each insurance company. If you have any questions regarding the above comparison, please contact our customer service specialists at Bowtie.
5）Source: HealthyHK - Leading Causes of Cancer Deaths
6）Source: Cancerinformation.com.hk (2018)
7）Source: Topick.hket.com
8）Source: Hospital Authority (as of 30 September 2019)
*Terms and Conditions apply
Bowtie Life Insurance Company Limited is a company incorporated in Hong Kong with limited liability. Bowtie Cancer Medical Plan “Cancer Fighter” is underwritten by the Company and intended for sale in Hong Kong only.The above is for reference only. For information on terms and conditions of the product, please refer to the policy details.
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