Compare Group Insurance Plan

Basic Bronze

$10
Per member/month

Basic Silver

$98
Per member/month

Basic Gold

$198
Per member/month
Inpatient and Day Case Procedure Benefits
Basic Benefit
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.
Total Benefit Limit
$20,000/year
$50,000/year
Room and board
Maximum 180 days per Policy Year
80% of Eligible Expenses
80% of Eligible Expenses
Confinement miscellaneous charges
80% of Eligible Expenses
80% of Eligible Expenses
Attending doctor’s visit fee
Maximum 180 days per Policy Year
80% of Eligible Expenses
80% of Eligible Expenses
Intensive care
80% of Eligible Expenses
80% of Eligible Expenses
Surgeon's fee
80% of Eligible Expenses
80% of Eligible Expenses
Anaesthetist's fee
80% of Eligible Expenses
80% of Eligible Expenses
Operating theatre charges
80% of Eligible Expenses
80% of Eligible Expenses
Pre- and post-Confinement/Day Case Procedure outpatient care

1 prior visit and 3 follow-up visits within 90 days after discharge from Hospital or completion of a Day Case Procedure

80% of Eligible Expenses
80% of Eligible Expenses
Other Benefit
Hospital Cash for Confinement in Hong Kong public hospital
Maximum 180 days per Policy Year
$200/day
$500/day
Day Case Procedure cash benefit
$200/day case procedure
$500/day case procedure
Special Bonus

applicable when the Insured Person first obtains partial or full reimbursements underinsurance plans offered by other insurance company

$200/day
$500/day
BowtieGo Outpatient Benefits
Member Exclusive Price Unlimited Number of Visits (Limited to BowtieGo Medical Network)
General Consultation
Chinese Medicine Practitioner Consultation

包括:中藥、針灸及跌打

Included: herbal, acupuncture and bone setting
Specialist Consultation

Included: General Surgery, Otorhinolaryngology, Orthopaedics & Traumatology, Ophthalmology, Paediatric Surgery, Neurosurgery, Gastroenterology & Hepatology, Cardiology, Paediatrics, Obstetrics & Gynaecology, Psychiatry, Geriatric Medicine, Urology, Respiratory Medicine, Family Medicine, Dermatology & Venereology, Cardio-thoracic Surgery, Clinical Oncology, Endocrinology, Diabetes & Metabolism, Medical Oncology, Plastic Surgery, Neurology , Rheumatology and Nephrology

Chiropractic Treatment
Physiotherapy
Sports Therapy
BowtieGo Dental Benefits
Member Exclusive Price Unlimited Number of Visits (Limited to BowtieGo Medical Network)
Dental Consultation
Included: oral examination, scaling and polishing
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
Life Insurance Benefits
Death Benefits
$3,000
$20,000
$50,000
Other Product Details
Eligibility Requirements
Age shall mean the attained age of the Insured Person
All Employee / spouse / child / parents
No Age limit
Employee / spouse – Age 64 or below
Child – 15 days to Age 18
Benefit Period
1 year, Yearly non-guaranteed renewal
Number of employees
Minimum 3 employees
Plan levels
All Employees under the same company shall be enrolled into the same Plan Level. If the eligibility requirements are not met, they can be enrolled into Basic Bronze Level.
Number of years incorporated
No Minimum
Minimum 1 Year
Denominated Currency
Hong Kong Dollar

Pro Bronze

$328
Per member/month

Pro Silver

$428
Per member/month

Pro Gold

$598
Per member/month
Inpatient and Day Case Procedure Benefits
Basic Benefit
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.
Total Benefit Limit
$20,000/year
$50,000/year
$80,000/year
Room and board
Maximum 180 days per Policy Year
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Confinement miscellaneous charges
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Attending doctor’s visit fee
Maximum 180 days per Policy Year
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Intensive care
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Surgeon's fee
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Anaesthetist's fee
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Operating theatre charges
80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Pre- and post-Confinement/Day Case Procedure outpatient care

1 prior visit and 3 follow-up visits within 90 days after discharge from Hospital or completion of a Day Case Procedure

80% of Eligible Expenses
80% of Eligible Expenses
80% of Eligible Expenses
Other Benefit
Hospital Cash for Confinement in Hong Kong public hospital
Maximum 180 days per Policy Year
$200/day
$500/day
$800/day
Day Case Procedure cash benefit
$200/day case procedure
$500/day case procedure
$800/day case procedure
Special Bonus
Maximum 180 days per Policy Year

applicable when the Insured Person first obtains partial or full reimbursements underinsurance plans offered by other insurance company

$200/day
$500/day
$800/day
Outpatient benefits
The maximum number of visits in aggregate per Policy Year is 30 and the maximum number of visit per item per day is 1;For each benefit item, the Insured Person shall bear a minimum cost of HKD30 per visit.
General practitioner
$420/visit
$420/visit
$420/visit
Chinese medicine practitioner
Included: herbal, acupuncture and bone setting treatments
$270/visit
$270/visit
$270/visit
Specialist
$690/visit
$690/visit
$690/visit
Chiropractor
As referred in writing by a Registered Medical Practitioner
$600/visit
Physiotherapist
As referred in writing by a Registered Medical Practitioner
$600/visit
Diagnostic Imaging and Laboratory Tests
As referred in writing by a Registered Medical Practitioner
$1500
per Policy Year
Dental benefits
The maximum number of visits in aggregate per Policy Year is 30 and the maximum number of visit per item per day is 1;For each benefit item, the Insured Person shall bear a minimum cost of HKD30 per visit.
Oral examination, scaling and polishing
$500/visit
Once per Policy Year
$500/visit
Once per Policy Year
$500/visit
Once per Policy Year
Other Dental consultation

Accidental denture treatment, extraction and filling and dental X-ray

$500/visit
$500/visit
$500/visit
Wellness benefit
Applicable to the designated body check plan under BowtieGo Medical Network
Health check-up
Fully covered
Once per Policy Year
Fully covered
Once per Policy Year
Fully covered
Once per Policy Year
BowtieGo membership
Free membership allowing unlimited visits at member-exclusive price
Free membership allowing unlimited visits at member-exclusive price
Free membership allowing unlimited visits at member-exclusive price
Life Insurance Benefits
Death Benefits
$20,000
$50,000
$80,000
Other Product Details
Eligibility Requirements
Age shall mean the attained age of the Insured Person
Employee /spouse – Age 64 or below
Child
– 15 days to Age 18
Benefit Period
1 year, Yearly non-guaranteed renewal
Number of employees
Minimum 3 employees
Plan levels
All Employees under the same company shall be enrolled into the same Plan Level. If the eligibility requirements are not met, they can be enrolled into Basic Bronze Level.
Number of years incorporated
Minimum 1 Year
Denominated Currency
Hong Kong Dollar
Exclusions
  1. Any pre-existing condition(s) ;
  2. Solely diagnostic procedures ;
  3. Infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof ;
  4. Vaccinations, immunization, injections, preventive medication or preventive care;
  5. 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;
  6. Congenital conditions that gave rise to signs or symptoms or was diagnosed, before the Insured Person attains seventeen (17) years of age;
  7. 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;
  8. 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
  1. Renewal or Cancellation Right — We reserve the right not to Renew this Plan and to revise the premium payable under this Plan on the date of any Renewal. We have the absolute right to cancel or terminate this Plan at any time by giving you notice by electronic means to the latest contact you have notified to us not less than thirty (30) days in advance. The effective date and hour of cancellation or termination stated in the notice shall be considered the end of the Plan period. Premium adjustment (if any) and the unearned portion of the premium at the time of cancellation or termination shall be paid by (or refunded to) you.

  2. Product Features RevisionWe reserve the right to revise the terms and benefits upon policy renewal by giving 30 days’ advance notice.
  3. 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.
  4. 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.
  5. 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

  6. 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 number of Employees or full-time Employees enrolled (as applicable) (excluding the Basic Bronze Level) becomes 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 without interest.

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

Want to know more about our Group Medical?

Important Product Information

Product Category
Group Insurance Plan – Outpatient and inpatient (subject to plan level) medical plan for groups
Issue Age
Basic Bronze Level: No age limit
Basic Silver Level: (Employee/ Spouse) age 64 or below; (Child) 15 days to age 18
Basic Gold Level: (Employee/ Spouse) age 64 or below; (Child) 15 days to age 18
Pro Bronze Level: (Employee/ Spouse) age 64 or below; (Child) 15 days to age 18
Pro Silver Level: (Employee/ Spouse) age 64 or below; (Child) 15 days to age 18
Pro Gold Level: (Employee/ Spouse) age 64 or below; (Child) 15 days to age 18
Coverage
Subject to the applicable Plan Level
  • Death — Sum Insured payable to the Beneficiary in the event of the Insured Person'sdeath.
  • Inpatient and Day Case Procedure — cover Eligible Expenses for MedicallyNecessary treatments of a Disability, including Inpatient treatments and Day CaseProcedures.
  • Outpatient — cover Eligible Expenses for treatments of a Disability provided by a Registered Medical Practitioner, Registered Chinese Medicine Practitioner, RegisteredPhysiotherapist, Registered Chiropractor, and Registered Specialist. We also provide each Insured Person with a BowtieGo membership under which he can access ourNetwork clinics with member exclusive price.
  • Dental — cover actual expenses for Dental Services, including oral examination, scaling and polishing.
  • Wellness — cover actual expenses for the designated health check-up plan.
Area of Coverage
Worldwide
Claim Method
  • Lumpsum (applicable to death benefit) —
    We will pay in lumpsum to the Beneficiary in the event of the Insured Person's death.
  • Reimbursement (applicable to Inpatient, Day Case Procedure, Outpatient and Dental benefits) —
    1. We will reimburse the Eligible Expenses or actual expenses (as applicable)incurred beyond the amount of Co-Payment (as applicable) and up to the benefit limit(s) set out in the table below.
    2. One expense item will only be reimbursable under one benefit item.
    3. If the Insured Person is entitled to reimbursement of all or part of such 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 sources.
  • Direct settlement by us (applicable to Wellness benefit) —
    We will directly pay the expenses of the designated health check-up plan to the relevant Network clinic according to the table below. The Insured Person will not need to pay to the relevant Network clinic and will not need to carry out any claim procedure.
Period of Cover
1 year – Annual renewal (non- guaranteed)
Waiting Period
N/A
Renewal
  • This Plan may be renewed, without issuance of a new policy contract, on each plan anniversary by payment of the relevant premium in advance based on the premium rate in force at the time of renewal.
  • Upon renewal, we reserve the right to revise the prevailing standard premium schedule.
Cooling-off Period
N/A
Policy Cancellation
You may request cancellation of the Plan by giving at least 30 days prior notice.
Tax Deduction
N/A
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.
Remarks:
Customers should purchase a plan according to their company’s needs or actual conditions.
The above is for reference only, please refer to the policy provisions for the detailed terms and conditions. Bowtie Corp Medical Insurance Plan is underwritten by Bowtie and is intended only for sale in Hong Kong.