Bowtie Children's Growth Term CI

¹ "Genetic Diseases" refers to conditions classified as "Inborn Errors of Metabolism" (IEM), which are also known as metabolic disorders. Bowtie Children's Growth Term Critical Illness Insurance is the first insurance product in Hong Kong to provide coverage for such conditions. Details and definitions of "Genetic Diseases" will be listed under Covered Diseases Critical Illnesses and Surgical Procedures and Benefit Limits.
² Diseases and conditions must meet the Covered Diseases Critical Illnesses and Surgical Procedures and Benefit Limits to be eligible for claims.
³ If there is a claim record for Bowtie Children’s Growth Critical Illness Insurance (excluding claims for neonatal jaundice or wrongly submitted claims), regardless of whether the claim was approved or not, the insured person will not be eligible for the right to switch to Bowtie Critical Illness Insurance.
⁴ Benefit for Pregnancy Compliances is only applicable to customers who have completed the 'Fetal Morphology Scan’ with no abnormalities reported after 18 to 31 weeks of pregnancy, with a 30-day waiting period.
⁵ Each disease and condition must meet the definition of covered diseases, critical illnesses, and surgical procedures to be eligible for compensation, and can only be compensated once.
⁶ Benefit for Child from birth to 18 years old is applicable to all customers, but waiting period applying before or after the child birth are different: [For customers who apply before the child's birth] Except for 'Covered Congenital and Juvenile Diseases and Treatments' which has a 90-day waiting period from the child's birth date (meaning diseases diagnosed after the 90-day waiting period following the baby's birth are eligible for compensation), all other benefits are effective from the first day of the baby's birth; [For customers who apply 15 days onwards after the child's birth] There is a 90-day waiting period (meaning covered diseases are only compensated if diagnosed after the 90-day waiting period from the policy effective date). The waiting period is set to prevent insured persons from immediately applying for insurance and claiming right after diseases, and related symptoms are discovered during prenatal check-ups or after the child's birth. This is to ensure fairness for all insured persons.
⁷ Bowtie will provide a lump-sum payout of HK$150,000 for insured cases of:(1) Severe Attention Deficit Hyperactivity Disorder (ADHD) and/or(2) Severe AutismIf only severe ADHD is diagnosed first, the maximum payout is HK$25k. If Severe Autism is diagnosed later, remaining HK$125k will be paid. If only Severe Autism is diagnosed or diagnosed first, then the payout would be $150k, no additional payout will be made for ADHD if diagnosed later.
⁸ This coverage only applies to pre-birth applications. Since newborn jaundice typically appears 2–3 days after birth and usually resolves within 2–3 weeks (as the liver becomes capable of processing bilirubin effectively), most insured infants beyond 15 days old will not require this coverage. Therefore, we have excluded this benefit. Reference: Family Health Service – Newborn Jaundice
⁹ Coverages for other newborn conditions are only applicable if they meet the Definitions of Covered Diseases, Critical Illnesses and Surgical Procedures.
¹⁰ This benefit is only payable when the Critical Illness Benefit has neither become payable nor been paid.
¹¹ If the policy is eligible for conversion, Bowtie will notify the policyholder via electronic message at least 120 days before the date of policy termination. The policyholder must confirm their conversion decision no later than 60 days before the date of policy termination. If conversion is confirmed, the policy will be converted to Bowtie’s Critical Illness Plan and renewed annually.

Remarks: Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Children’s Growth Critical Illness is underwritten by Bowtie and intended for sale in Hong Kong only.
‍Terms and Conditions apply‍