Benefits Summary

Coverage

Subject to the applicable Plan Level

Death
‍Sum Insured payable to the Beneficiary in the event of death.

Inpatient and Day Case Procedure

Cover actual expenses for Medically Necessary treatments of a Disability, including Inpatient treatments and Day Case Procedure

Outpatient

Cover actual expenses for treatments of a disability provided by Registered Medical Practitioner, Registered Chinese Medicine Practitioner, Registered Physiotherapist, Registered Chiropractor, Registered Specialist and Sports Therapist.

Dental

Cover actual expenses for Dental Services, including oral examination, scaling and polishing.

Wellness

Cover actual expenses for designated health check-up plan.

Area of Coverage

Worldwide
Except that Outpatient, Dental and wellness benefits only cover expense incurred under the Network.

Claim Method

Lumpsum (applicable to death benefit)
We will pay in lumpsum to the Beneficiary in the event of death.

Reimbursement ( applicable to Inpatient and Day Care Procedures benefit )
1. We will reimburse the actual expenses incurred up to the benefit limit(s) set out in the table below
2. One Eligible Expenses item will only be reimbursable under one benefit item.
3. If the Insured Person is entitled to reimbursement of all or part of Inpatient and Day Case Procedure expenses from other sources and has been so reimbursed, we will only be liable for an amount in excess of the amount recovered from such other source.

Direct settlement by Insured Person (applicable to Outpatient and Dental benefits)
Insured Person will directly pay the amount of Co-Payment to the relevant Network clinic for the treatment or service it provides according to the table below. We will cover the rest and the Insured Person will not need to carry out any claim procedure.

Direct settlement by us (applicable to wellness benefit)
Insured Person will directly pay the amount of Co-Payment to the relevant Network clinic for the treatment or service it provides according to the table below. We will cover the rest and the Insured Person will not need to carry out any claim procedure.

Eligibility Requirements1

All Employee /spouse /
child /parents

No Age limit

Employee /spouse

Age 64 or below

Child

15 days to Age 18

Employee /spouse

Age 64 or below

Child

15 days to Age 18

Life Insurance Benefits

Death Benefits

$3,000

$20,000

$50,000

Inpatient and Day Case Procedure Benefits

Basic Benefit(1)

Benefit Limit

$20,000/Year

$50,000/Year

Confinement miscellaneous charges

80%of Eligible Expenses

80%of Eligible Expenses

Room and Board

(Maximum 180 days per Policy Year)

Attending doctor’s visit fee

(Maximum 180 days per Policy Year)

Intensive Care

Surgeon's fee

Anaesthetist's fee

Operating theatre charges

Pre- and post-Confinement/Day Case Procedure outpatient care

Remarks—
(1). Amount of benefits payable will be adjusted based on the type of room in which the Insured Person is confined: 100% benefits payable for Standard Ward Room; 50% benefits payable for Standard Semi-Private Room; 25% benefits payable for above Standard Semi-Private Room.

Other Benefit

Hospital Cash for Confinement in Hong Kong public Hospital

(Maximum 180 days per Policy Year)

$200/Day

$500/Day

Special Bonusⓘ

$200/Surgical Procedure

$500/Surgical Procedure

Day Case Procedure cash benefit

$200/Day

$500/Day

Outpatient Benefits

Member Exclusive Price Unlimited Number of Visits

( Limited to BowtieGo Medical Network )

General Consultation

Physiotherapy

Chiropractic Treatment

Sports Therapy

Specialist Consultation ⓘ

Chinese Medicine Practitioner Consultation ⓘ

Dental Benefits

Member Exclusive Price Unlimited Number of Visits

( Limited to BowtieGo Medical Network )

Dental Consultationⓘ

Wellness Benefits

(Applicable to the designated body check plan under BowtieGo Medical Network)

Health check-up

Fully Covered

1 Time per Policy Year

Fully Covered

1 Time per Policy Year

Other Product Details

Benefit Period

Number of employees

Plan levels

1 year, Yearly non-guaranteed renewal

Minimum 3 employees for Core Plan Level

Number of years incorporated

Denominated Currency

Hong Kong Dollar

No Minimum

Minimum 1 Year

Items listed are for reference only. Please refer to Terms and Conditions

‍
All Employees under the same company shall be enrolled into the same Plan Level as the Core Plan Level.
If the eligibility requirements are not met, they can be enrolled into Startup Level as a Supplementary Plan Level

Example 1:
A company would like to select Growth Level as the Core Plan Level, and Startup Level as the Supplementary Plan Level for those who do not meet the eligibility requirements for Growth Level

Plan Details for the Insured Person are as follow:
Employee A (Age 35) – Growth Level
Employee B (Age 65) – Startup Level
Employee C (Age 40) – Growth Level
Employee D (Age 7) – Growth Level
Employee E (Age 60) – Growth Level
Employee F (Age 20) – Startup Level
‍
Example 2:
A company that selects Startup Level as the Core Plan Level does not need to select any Supplementary Plan Level. All employees and their dependent scan be enrolled as Insured Person without age limit.

Exclusions

Any pre-existing condition(s) ;
Solely diagnostic procedures ;
Infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof ;
Vaccinations, immunization, injections, preventive medication or preventive care;
Birth control or reversal of birth control; sterilization and sexual dysfunction, diagnostic of pregnancy or resulting childbirth, abortion, miscarriage or any complications from the above;
Congenital conditions that gave rise to signs or symptoms or was diagnosed, before the Insured Person attains seventeen (17) years of age;
Treatment for which expenses have been reimbursed under any law, or medical program, or insurance policy provided by any government, company or other third party;
Drugs, suicide and illegal activities.
‍

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

Key Product Risks

Renewal or Cancellation Right — This policy is not guaranteed renewable. Also, 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 same time of termination shall be refunded to you.
‍
Product Features Revision — We reserve the right to revise the terms and benefits upon policy renewal by giving 30 days’ advance notice.
‍
Premium Adjustment Risk — Standard premium rates are not guaranteed and are subject to change based on our emerging experience 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.
‍
Credit and Solvency Risk — The payment of benefits under this plan is subject to Bowtie’s credit risk and solvency. In the event of Bowtie’s insolvency, you may lose the coverage stipulated in this plan in addition to any premiums you have paid.
‍
Inflation Risk — Due to inflation, the costs of medical diagnoses and treatments may rise and the amount of benefit payable may become insufficient to meet your future medical needs even if our full contractual obligations are met. You are advised to consider the likely impact of future medical cost inflation when choosing a plan.

Where permitted under the relevant regulations, benefit amounts and/or standard premium rates of this plan may be revised by us from time to time to reflect the impact of medical inflation
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Termination— This policy will be terminated on the earliest of the followings :
‍
a. Non-payment of premiums after 31 days from the premium due date;
b. The date the number of Employees enrolled under the Core Plan Level is less than three (3).
‍
Termination of this plan shall not affect any claim arising prior to such termination unless otherwise stated. Any premium paid after the termination of this plan shall not create any liability upon us but we will refund any such premium.

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

Benefits Summary

Compare Bowtie Group Insurance Plan

All Employees under the same company shall be enrolled into the same Plan Level as the Core Plan Level. If the eligibility requirements are not met, they can be enrolled into Startup Level as a Supplementary Plan Level

Start up LEvel

Growth LEvel