StillCover is designed precisely for these dilemmas. By closing the gap in long public hospital queues and covering expensive Self-Financed Items (SFIs), it gives you and your family the power of choice.
Rejected due to 3-highs or diabetes? StillCover is specially designed to fill the gap in public healthcare. When public hospitals have long waits and new drugs aren't covered, this plan gives you and your family the power of choice in healthcare.
限時優惠
如果你身體健康，我哋建議你優先揀自願醫保。但每個人身體狀況都唔同，無論你係三高人士、糖尿病患者、早期癌症康復者，定係曾經投保自願醫保被拒。只要你指標穩定¹，無特定併發症，唔使驗身²，我哋依然希望為你提供保障。
我地嘅初衷，係盡可能為更多人提供醫療保障，但我地要坦白承認，「醫然保」未必保障到所有上述嘅人，部分嘗試投保嘅朋友可能會失望而回。
為咗讓大家花最少時間，盡早知道答案，我地準備咗一份簡化核保問卷，幾分鐘內就可以完成。最終核保決定將以完整的健康申報為準，因應投保人實際健康狀況，或設有個別不保事項。
設計 1
我哋希望當你選擇喺公立醫院接受治療嘅時候，面對癌症、心臟病、中風等緊急大病，可以多一個財政支持，去考慮一啲藥費較貴嘅治療方案，醫然保針對住院、手術及日間治療開支，公立醫院自費項目，提供達 80% 賠償 (每個保單年度 HK$500,000）。
設計 2
*182 項手術入面，包括醫管局排期最長嘅 10 大手術，仲有三高人士同長期病患者最常遇到、等得最辛苦嘅項目。我哋係針對你最需要、最擔心嘅地方，設計呢份保障。
*182項手術 (心血管疾病除外) 保障只適用於 Bowtie 醫然保升級版
Claim到順 - 條款清晰透明，索償簡單快捷
Bowtie StillCover is designed for people with 3-highs and diabetes. If your condition is currently stable, you are welcome to submit an application so our underwriting team can review your health condition and conduct an assessment.
The product design of Bowtie StillCover is different from VHIS. Even if you have been rejected previously, you can still submit an application and let our underwriting team re-assess based on your latest health condition.
The underwriting team will first conduct an assessment based on your answers to the health questions during the application. Depending on the Insured Person's health condition, we may require recent medical reports (such as medical examination or blood test reports) or arrange a medical examination for the Insured Person to help accurately assess the risk.
It depends on the individual situation. We will conduct an assessment based on information such as recovery progress, current condition, and test report results. You are welcome to submit an application and let our underwriting team assess it. Case-based Exclusions and/or Premium Loading may apply.
1. Pay-and-claim: If you plan to pay first and claim later, please log in to the online platform within 90 days after completing the treatment to upload receipts and other relevant documents to submit a claim application. We will assess it according to the benefit terms and reimburse the Eligible Expenses on a pay-and-claim basis.
Please note that if you have already claimed partial expenses from other sources (such as company group medical insurance), we will only reimburse the remaining balance.
(Note: This method is not applicable to the Hong Kong Private and GBA Hospital Confinement and Day Case Procedure benefit)
2. Pre-approval (Cashless arrangement): Applicable to Confinement or Day Case Procedure at Hong Kong private hospitals and GBA hospitals. As long as our pre-approval is obtained in advance, we will pay the expenses directly to the hospital or service provider, so you do not need to pay out of pocket. If the medical expenses are not within the pre-approved scope, you must pay that portion directly to the hospital upon discharge. For detailed service terms, please refer to the relevant cashless arrangement service application form.
3. Lump-sum payment (Compassionate Death Benefit): In the unfortunate event of the Insured Person's death, we will pay a lump-sum compassionate benefit to the Beneficiary.
Anyone who has purchased Bowtie StillCover should carefully record their policy information and inform their Beneficiary of the relevant details, including policy terms, coverage scope, purchased benefit limits, policy number / account, etc. In addition, the Insured Person should also provide the insurance company's contact methods to the Beneficiary, including the phone number and email of the customer service department, to ensure the Beneficiary or authorized relatives can follow up on claim matters.
Although public hospitals are affordable, many "self-financed items" are very expensive. We cover Confinement and surgical expenses, as well as expensive self-financed medications / equipment, such as cardiac stents, targeted therapy drugs, and artificial joints.
If you need to undergo any of the 182 designated surgeries, you do not need to wait in long queues at public hospitals. You can directly contact a Claims Specialist, and we will refer you to the designated private hospital network. A dedicated specialist will arrange the medical process for you, saving you the hassle of handling it yourself.
This plan is positioned to target the procedures with the longest waiting times in public hospitals and those most commonly needed by people with 3-highs. We excluded some cardiovascular surgeries because traditional medical insurance usually rejects people with 3-highs due to these risks. Through this screening, we can be more flexible in our underwriting, ensuring that even if people with 3-highs cannot purchase VHIS, they can still obtain sustainable and affordable coverage (excluding cardiovascular diseases).
StillCover is a Supplementary Medical Plan and is not eligible for VHIS tax deductions. Its focus is on a low entry threshold and high risk-offset, specifically providing coverage for people with 3-highs.
The plan provides guaranteed renewal up to age 100. No re-underwriting is required upon renewal, nor will premiums be increased due to personal claim records or a deterioration in health conditions occurring after the policy takes effect.
There is a 90-day waiting period. Illnesses diagnosed or symptoms manifested within the 90-day waiting period will not be covered.
Yes. All Bowtie StillCover customers can log in to Bowtie's online platform at least 30 days before the next anniversary renewal date to apply to upgrade or downgrade their plan level. Once approved, the new plan will take effect on the next anniversary renewal date of the original plan, and the premium will be charged from that day onwards, while the original plan will lapse on the same day.
Application method: Log in to the online platform → Select the relevant policy → Click Modify policy
Upgrading plan level As it involves an increase in coverage, applications for upgrading the plan require re-underwriting to ensure fairness to all customers. The underwriting result may differ from the original plan, but you do not need to resubmit your personal information or undergo identity verification again.
Downgrading plan level Downgrade applications do not require re-underwriting, and you do not need to resubmit your personal information or undergo identity verification again.
The annual renewal premium for Bowtie StillCover will be adjusted based on age. We will not individually increase your premium due to your number of claims, claim amount, or changes in your health condition, nor will it affect your renewal.
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