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Bowtie Pink VHIS Plan

Be healthy, not just 100% protected

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Pink is the colour of innovation.

Bowtie leads the industry to change with technology—transforming sales model, simplifying applications, claims and devil-in-the-detail clauses. We have a total insured value of HK$20 billion and more in 2 years. We are launching the Bowtie Pink VHIS Plan together with our health centre providing preventive and personalised services.

Feature 1

 High-end medical insurance
from just $6.91 per day

We use technology to cut costs and lower your premium

The premium comparison above is based on similar medical insurance plans with semi-private room level, HK$50,000 to HK$100,000 deductibles, for a 20-year-old non-smoker. The plan premiums of other insurance companies are calculated on a yearly basis. Different medical insurance plans have different coverage and benefit limits. For details, please refer to the relevant insurance policy and its terms and conditions.
1. For example, with Bowtie Pink (semi-private room) and the deductible option HK$80,000, the monthly premium for a 20-year-old non-smoker is HK$208, which is about HK$6.9 per day.

Online medical insurance ≠ no service

More than 90% of customers are happy about our services and follow-ups. When you need help, we’re here for you.

Feature 2

F
U
L
L

Full coverage for any surgery in any hospital

Annual benefit limit: HK$10,000,000/year
Lifetime benefit limit: HK$50,000,000

Full coverage* without sub-limits for eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments. In other words, no worries!

* The Bowtie Pink Voluntary Health Insurance series fully covers eligible medical expenses such as diagnosis, hospitalisation, surgery, and prescribed non-surgical cancer treatments (except in the United States), and is subject to annual benefit limits and lifetime benefit limits. If the claim involves a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" or confinement in a room higher than the designated ward class or a pre-existing condition, the relevant benefit payable may be adjusted. For details, please refer to Section 1(b), 1(c) of the Supplement No. 1 and Section 6.4 of the Terms and Conditions.

Feature 3

Our health centre helps keep you in
Good Health

Let’s get Pink to enjoy health offers at Bowtie & JP Health

A free body check (value HK$1,200)

Detect underlying diseases earlier

Body check2 includes:

  • Blood pressure monitoring (against unnoticeable conditions)
  • Complete blood count

    • Blood cell analysis
    • Renal function (detect kidney failure)
    • Liver function (detect liver infection, injury or inflammation)
    • Cholesterol panel
    • Glucose (detect diabetes)
  • Urinalysis (detect urinary tract infection, kidney disease, diabetes, etc.)
2. Only applicable to people aged 14 or above.
30% Discount on consultations

One-stop care, multi-therapies

30% off per visit:

  • Dietitian provides you with personalised advice on healthy diet3
  • Chinese medicine doctor helps you maintain inner balance4
  • General practitioner provides you with diagnosis and treatment
3. Only applicable to people aged 14 or above
4. Only applicable to people aged 2 or above
Free body composition analysis and blood pressure monitoring

Keep track of your health, once a month for free

Measure your blood pressure and analyse your body composition5
(comes with a digital health report):

  • Weight
  • Body fat percentage
  • Total body water
  • Muscle mass
  • Physique rating
  • Basal metabolic rate
  • Body mass index
  • Visceral fat
5. Only applicable to people aged 5 or above
The personalised health services are not the protection provided by Bowtie Pink VHIS products, but only discounts shall be provided to the insured of Bowtie Pink VHIS policies during the promotional period. Term and conditions apply.
Bowtie will send out an email about redemption within 7 days from the effective date of the eligible policy, and customers can follow the instructions to enjoy the offer. Eligible policies refer to Bowtie Pink VHIS Plan policies that have been successfully approved by Bowtie on or before 31 December, 2021.

0
20K
50K
80K
Save your premium with the right deductible
A deductible (or excess) is the amount you need to pay by yourself in the event of a claim before the insurance company pays for your eligible medical expenses. The insurance company would cover any remaining medical expenses according to the benefit limits in the policy.

You have 4 deductible options.  Pick a deductible that fits your financial and medical needs.

Choose a low deductible if

  • Having a lower coverage in your current medical plan
    If your current medical insurance provides a low level of protection, its coverage may not be enough for a bigger medical expense. Choosing a lower deductible plan would help reduce your out-of-pocket expenses.
  • Having a higher monthly budget on insurance
    The monthly premium of the $0/low deductible option is relatively high, so your monthly expenses will become higher.

Choose a high deductible if

  • Having a higher coverage in your current medical plan
    If your current medical insurance provides a comprehensive level of protection, it can fully or mostly cover your medical expenses. Choosing a higher deductible option can avoid overlapping coverage.
  • Having a lower monthly budget on insurance
    The monthly premium of the high deductible option is relatively low, which is suitable for those with a lower budget.
Quote Now

Not sure which deductible option is right for you?
Call or WhatsApp 3008 8123, we’re here to help.

💡
After retirement, you will lose protection from your workplace group medical policy, so Bowtie provides flexibility for you to switch to a lower deductible option at the age of 65.

The policyholder can exercise a one-off right to reduce the deductible, without re-underwriting and providing further evidence of insurability of the insured once the conditions set out below are satisfied, subject to the deductible options available at that time:
  • Where the insured person’s age as of the Policy Issuance Date is 0 to 55, the policyholder makes the request to exercise such right not less than 30 days before the Renewal Date on or immediately following the date that the insured person attains the age of 65
  • Where the insured person’s age as of the Policy Issuance Date is 56 to 75, the policyholder makes the request to exercise such right not less than 30 days before the 10th Renewal Date
  • Where the insured person’s age as of the Policy Issuance Date is 76 to 80, the policyholder makes the request to exercise such right not less than 30 days before the Renewal Date on or immediately following the date that the insured person attains the age of 85

Case studies

icon
Freelancers are different from full-time workers. I have no company welfare and group health insurance. My income is unstable so I have to take care of myself. I bought medical insurance after graduation, but the protection is minimal. As the Bowtie Pink’s premium is reasonable, I buy it for more coverage
About Bernice
Age 26/female/non-smoker
Freelancer
Monthly salary from HK$18,000 to HK$25,000 
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$50,000
Why choose this?
  • When filing a claim, personal health insurance can cover the deductible without overlap protection6
  • Hope to increase the coverage for critical illness expenses
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from personal health insurance
HK$50,000
Claim amount from
Bowtie Pink
HK$156,211  (deducted HK$50,000) 
Bernice paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from personal health insurance
HK$50,000
Claim amount from personal health insurance
HK$56,268 (deducted HK$50,000)
Bernice paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Bernice picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$50,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$276 (save 58%)
HK$658
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely fictional and are used for illustrative purposes only. Any person who applies for insurance products,   should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
icon
My group health plan only provides basic protection. Having Bowtie Pink, I hope to pay nothing if anything bad happens. My group health plan can cover the deductible of Bowtie Pink and Bowtie Pink can cover fully so I have no worries.
About Alfred
Age 33/male/non-smoker
Senior accountant
Monthly salary HK$20,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible: HK$20,000
Why choose this?
  • His group health plan6 provides basic protection
  • His group health plan can cover the deductible of HK$20,000 
  • The monthly premium is affordable to him
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$186,211 (deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$20,000
Claim amount from
Bowtie Pink
HK$86,268 (Deducted HK$20,000)
Alfred paid
HK$0 (Full coverage)
Save more with a right deductible option !
If Alfred picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$20,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible: HK$0
Monthly premium
HK$420 (save 47%)
HK$786
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely fictional and are used for illustrative purposes only. Any person who applies for insurance products,   should, before doing so,  consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.
icon
My group health plan is good for basic protection but not enough for covering cancer and other critical illnesses. Also, I prefer a semi-private room with quietness and privacy. Bowtie Pink fits my needs and its premium is reasonable.
About Catherine
Age 42/female/non-smoker
SME CEO
Monthly salary HK$100,000
Group health insurance
Personal health insurance
Final decision
Bowtie Pink VHIS Plan (Semi-Private Room)
Deductible HK$80,000
Why choose this?
  • Her group medical insurance6can cover the standard-ward-level medical expenses
  • She prefers to have semi-private room service
  • She needs a high-end medical insurance that can cover cancer treatment expenses
  • Affordable monthly premium
Claims made easy!
Case 1
Illness
Colorectal tumors
Surgery
Open or laparoscopic anterior rectal resection (complex surgery)
Ward level
Semi-private
Total medical expenses7
HK$206,211
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$126,211 (Deducted HK$80,000 )
Catherine paid
HK$0 (Full coverage)
Case 2
Illness
Left ankle bone fracture
Surgery
Open reduction of femur/calcaneus/ankle fractures with or without internal fixation (major surgery)
Ward level
Semi-private
Total medical expenses7
HK$106,268
Claim amount from group health insurance
HK$80,000
Claim amount from
Bowtie Pink
HK$26,268 (deducted HK$80,000)
Catherine paid
HK$0 (Full coverage)
Save more with a right deductible option!
If Catherine picks
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$80,000
(current choice)
Bowtie Pink VHIS Plan
(Semi-Private Room)
Deductible HK$0
Monthly premium
HK$356 (save 65%)
HK$1,023
Final payment
HK$0 (same protection)
HK$0
The above claim cases are purely fictional and are used for illustrative purposes only. Any person who applies for insurance products should, before doing so, consider their own needs, financial capabilities, and if there are overlaps of coverage in insurance policies.
6. Before applying for additional insurance products, please take personal needs and affordability into account, and also consider whether there are overlaps of coverage. The purchase of multiple medical insurance policies by the same insured does not mean that the insured can file multiple claims for the same medical treatment, or the insured can receive a claim amount more than the medical expenses. For the criteria and limits for claims, please refer to the terms and conditions of your insurance policy.
7. The medical expense figures in the case are the real claims data of Bowtie customers.

Benefit items

Benefit limit 

$

10,000,000

/year

$50,000,000 per lifetime

Benefit items limit

Diagnostics imaging

Specialist's fee

(1)

Full coverage

Prescribed diagnostic imaging tests

(1)

Included:
CT Scan
MRI Scan
PET Scan
PET-CT combo
PET–MRI combo

Full coverage

Hospitalisation

Room and board

Full coverage

Attending doctor’s visit fee

Full coverage

Intensive care

Full coverage

Surgery

Surgeon's fee

Full coverage

Anaesthetist's fee

Full coverage

Operating theatre charges

Full coverage

Day case procedure cash benefit

$

800

/surgical procedure

Pre- and post-confinement care

Accident emergency outpatient treatments

Full coverage

Pre- and post-confinement / Day case procedure outpatient care(1)

Full coverage

(2)

Post-confinement / Day case procedure daily home nursing

(1) (3)

$

1,600

/day

-

;

within 180 days after discharge from hospital or completion of day case procedure

Bowtie actuarial expert: The duration of daily home nursing provided (within 180 days after discharge from the hospital) is the longest in the market.

Rehabilitative care

(1) (3)

$

2,500

/day

-

;

max. $34,000 per year;

within 90 days after discharge from hospital

Non-surgical treatments

Prescribed
non-surgical cancer treatments

Included:
Radiotherapy
Chemotherapy
Targeted therapy
Immunotherapy  
Hormonal therapy

Full coverage

Psychiatric treatments

(1)

Full coverage

Outpatient kidney dialysis

(1)

Full coverage

Others

Miscellaneous charges

Full coverage

Hospital companion bed

Full coverage

Hospice and palliative care benefit

(1)

$

100,000

/year

Special bonus

$

600

/day

-

;

max. 90 days per year

Medical negligence benefit

When the insured person passes away due to medical negligence, this benefit provides financial support for the family.

$

1,000,000

Total and permanent incapacity income benefit

(1)

$

800

/week

-

;

payable for 52 weeks

(1) The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(2) 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure).
(3) The Company shall have the right to request the insured person to obtain a written authorization by the Company prior to the provision of the service.

- “Full cover” means there is no itemised benefit sublimit. The benefit payable shall be subject to the Annual Benefit Limit, Lifetime Benefit Limit and Deductible.
- For any Eligible Expenses or other expenses charged by any Hospitals in mainland China in the event of Confinement, depending on whether such Hospital is a Hospital or High-end Hospital in the list titled "List of Designated Hospitals in Mainland China" published in the Company's website (www.bowtie.com.hk), adjustment on benefit payable may apply. Please refer to Section 1(b) of Supplement No.1 for details.
- Annual Benefit Limit, Lifetime Benefit Limit and Deductible do not apply to day case procedure cash benefit/special bonus/medical negligence benefit/total and permanent incapacity income benefit in the table above.

More product information

Ward class restriction

Semi-private or private room

Territorial scope of cover

Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)

Except psychiatric treatment

Policy currency

HKD

Name of VHIS certified plan

Bowtie Pink VHIS Plan

Type of VHIS certified plan

VHIS Flexi

Plan options

Semi-private room (Deductible HK$0)
Semi-private room (Deductible HK$20,000)
Semi-private room (Deductible HK$50,000)
Semi-private room (Deductible HK$80,000)

VHIS provider registration no.

00023

VHIS certification number

F00060-01-000-01
(Semi-private room (Deductible HK$0))
F00060-02-000-01
(Semi-private room (Deductible HK$20,000))
F00060-03-000-01
(Semi-private room (Deductible HK$50,000))
F00060-04-000-01
(Semi-private room (Deductible HK$80,000))

Registration effective date

21 March 2019

Policy Exclusions
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.

2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.

3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Effective Date. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by the Company under Section 8 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Effective Date.
However, the exclusion under this entire Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.

4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of this Part 7 applies).

5. Any charges in respect of services for – (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
(a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
(b) removal of pre-malignant conditions; and
(c) treatment for prevention of recurrence or complication of a previous Disability.

7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.

8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.

10. Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

11. Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.

12. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years.

13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Benefit limit 

$

10,000,000

/year

$50,000,000 per lifetime

Benefit items limit

Diagnostics imaging

Specialist's fee

(1)

Full coverage

Prescribed diagnostic imaging tests

(1)

Included:
CT Scan
MRI Scan
PET Scan
PET-CT combo
PET–MRI combo

Full coverage

Hospitalisation

Room and board

Full coverage

Attending doctor’s visit fee

Full coverage

Intensive care

Full coverage

;

Surgery

Surgeon's fee

Full coverage

Anaesthetist's fee

Full coverage

Operating theatre charges

Full coverage

Day case procedure cash benefit

$

800

/surgical procedure

Pre- and post-confinement care

Accident emergency outpatient treatments

Full coverage

Pre- and post-confinement / Day case procedure outpatient care (1)

Full coverage

(2)

Post-confinement / Day case procedure daily home nursing

(1) (3)

$

2,000

/day

-

;

within 180 days after discharge from hospital or completion of day case procedure

Bowtie actuarial expert: The duration of daily home nursing provided (within 180 days after discharge from the hospital) is the longest in the market.

Rehabilitative care

(1) (3)

$

3,000

/day

-

;

max. $40,000 per year ;

within 90 days after discharge from hospital

Non-surgical treatments

Prescribed
non-surgical cancer treatments

Included:
Radiotherapy
Chemotherapy
Targeted therapy
Immunotherapy  
Hormonal therapy

Full coverage

Psychiatric treatment

(1)

Full coverage

Outpatient kidney dialysis

(1)

Full coverage

Others

Miscellaneous charges

Full coverage

Hospital companion bed

Full coverage

Hospice and palliative care benefit

(1)

$

120,000

/year

Special bonus

$

600

/day

-

;

max. 90 days per year

Medical negligence benefit

When the insured person passes away due to medical negligence, this benefit provides financial support for the family.

$

1,000,000

Total and permanent incapacity income benefit

(1)

$

800

/week

-

;

payable for 52 weeks

(1) The Company shall have the right to ask for proof of recommendation e.g. written referral or testifying statement on the claim form by the attending doctor or Registered Medical Practitioner.
(2) 1 prior outpatient visit or Emergency consultation per Confinement/Day Case Procedure; 3 follow-up outpatient visits per Confinement/Day Case Procedure (within 90 days after discharge from Hospital or completion of Day Case Procedure).
(3) The Company shall have the right to request the insured person to obtain a written authorization by the Company prior to the provision of the service.


- “Full cover” means there is no itemised benefit sublimit. The benefit payable shall be subject to the Annual Benefit Limit, Lifetime Benefit Limit and Deductible.
- For any Eligible Expenses or other expenses charged by any Hospitals in mainland China in the event of Confinement, depending on whether such Hospital is a Hospital or High-end Hospital in the list titled "List of Designated Hospitals in Mainland China" published in the Company's website (www.bowtie.com.hk), adjustment on benefit payable may apply. Please refer to Section 1(b) of Supplement No.1 for details.
- Annual Benefit Limit, Lifetime Benefit Limit and Deductible do not apply to day case procedure cash benefit/special bonus/medical negligence benefit/total and permanent incapacity income benefit in the table above

More product information

Ward class restriction

Semi-private or private room

Territorial scope of cover

Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)

Except psychiatric treatment

Policy currency

HKD

Name of VHIS certified plan

Bowtie Pink VHIS Plan

Type of VHIS certified plan

VHIS Flexi

Plan options

Private room (Deductible HK$0)
Private room (Deductible HK$20,000)
Private room (Deductible HK$50,000)
Private room (Deductible HK$80,000)

VHIS provider registration no.

00023

VHIS certification number

F00060-01-000-01
(Private room (Deductible HK$0))
F00060-02-000-01
(Private room (Deductible HK$20,000))
F00060-03-000-01
(Private room (Deductible HK$50,000))
F00060-04-000-01
(Private room (Deductible HK$80,000))

Registration effective date

21 March 2019

Policy Exclusions
1. Expenses incurred for treatments, procedures, medications, tests or services which are not Medically Necessary.

2. Expenses incurred for the whole or part of the Confinement solely for the purpose of diagnostic procedures or allied health services, including but not limited to physiotherapy, occupational therapy and speech therapy, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient.

3. Expenses arising from Human Immunodeficiency Virus (“HIV”) and its related Disability, which is contracted or occurs before the Policy Effective Date. Irrespective of whether it is known or unknown to the Policy Holder or the Insured Person at the time of submission of Application, including any updates of and changes to such requisite information (if so requested by the Company under Section 8 of Part 1) such Disability shall be generally excluded from any coverage of these Terms and Benefits if it exists before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first five (5) years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date, while manifestation after such five (5) years shall be presumed to be contracted or occur after the Policy Effective Date.
However, the exclusion under this entire Section 3 shall not apply where HIV and its related Disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth, and in such cases the other terms of these Terms and Benefits shall apply.

4. Expenses incurred for Medical Services as a result of Disability arising from or consequential upon the dependence, overdose or influence of drugs, alcohol, narcotics or similar drugs or agents, self-inflicted injuries or attempted suicide, illegal activity, or venereal and sexually transmitted disease or its sequelae (except for HIV and its related Disability, where Section 3 of this Part 7 applies).

5. Any charges in respect of services for – (a) beautification or cosmetic purposes, unless necessitated by Injury caused by an Accident and the Insured Person receives the Medical Services within ninety (90) days of the Accident; or (b) correcting visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens, including but not limited to eye refractive therapy, LASIK and any related tests, procedures and services.

6. Expenses incurred for prophylactic treatment or preventive care, including but not limited to general check-ups, routine tests, screening procedures for asymptomatic conditions, screening or surveillance procedures based on the health history of the Insured Person and/or his family members, Hair Mineral Analysis (HMA), immunisation or health supplements. For the avoidance of doubt, this Section 6 does not apply to –
(a) treatments, monitoring, investigation or procedures with the purpose of avoiding complications arising from any other Medical Services provided;
(b) removal of pre-malignant conditions; and
(c) treatment for prevention of recurrence or complication of a previous Disability.

7. Expenses incurred for dental treatment and oral and maxillofacial procedures performed by a dentist except for Emergency Treatment and surgery during Confinement arising from an Accident. Follow-up dental treatment or oral surgery after discharge from Hospital shall not be covered.

8. Expenses incurred for Medical Services and counselling services relating to maternity conditions and its complications, including but not limited to diagnostic tests for pregnancy or resulting childbirth, abortion or miscarriage; birth control or reversal of birth control; sterilisation or sex reassignment of either sex; infertility including in-vitro fertilisation or any other artificial method of inducing pregnancy; or sexual dysfunction including but not limited to impotence, erectile dysfunction or pre-mature ejaculation, regardless of cause.

9. Expenses incurred for the purchase of durable medical equipment or appliances including but not limited to wheelchairs, beds and furniture, airway pressure machines and masks, portable oxygen and oxygen therapy devices, dialysis machines, exercise equipment, spectacles, hearing aids, special braces, walking aids, over-the-counter drugs, air purifiers or conditioners and heat appliances for home use. For the avoidance of doubt, this exclusion shall not apply to rental of medical equipment or appliances during Confinement or on the day of the Day Case Procedure.

10. Expenses incurred for traditional Chinese medicine treatment, including but not limited to herbal treatment, bone-setting, acupuncture, acupressure and tui na, and other forms of alternative treatment including but not limited to hypnotism, qigong, massage therapy, aromatherapy, naturopathy, hydropathy, homeotherapy and other similar treatments.

11. Expenses incurred for experimental or unproven medical technology or procedure in accordance with the common standard, or not approved by the recognised authority, in the locality where the treatment, procedure, test or service is received.

12. Expenses incurred for Medical Services provided as a result of Congenital Condition(s) which have manifested or been diagnosed before the Insured Person attained the Age of eight (8) years.

13. Eligible Expenses which have been reimbursed under any law, or medical program or insurance policy provided by any government, company or other third party.

14. Expenses incurred for treatment for Disability arising from war (declared or undeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power.

Important product information

Product category
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Food and Health Bureau
Issue age
From 15 days to age 80

Please note that the insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for the insurance.
  • Health questionnaire
  • Resting electrocardiogram
  • Urinalysis
  • Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen
Period of cover
1 year (lifetime guaranteed annual renewal)
Waiting period
N/A
There is a waiting period for pre-existing conditions. For details, please refer to the policy and key risks.
Renewal
  • Upon renewal, there shall be no re-underwriting. No additional rate of premium loading or case-based exclusions shall be imposed by reason of any change in the Insured Person's health conditions.
  • Upon renewal, we reserve the right to revise Policy Terms and Conditions, including the prevailing standard premium schedule, subject to prior approval by FHB.
Cooling-off period
21 days
Within the cooling-off period, you may cancel the plan and receive a full refund of the premium.
Policy cancellation
You may request cancellation of the plan by giving at least 30 days prior notice.
Tax deduction
Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. For details https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.htm
List of Designated Hospitals in Mainland China
  • 北京和睦家醫院
  • 北京和睦家康復醫院
  • 廣州和睦家醫院
  • 青島和睦家醫院
  • 上海和睦家醫院上海和睦家新城醫院 (浦東)
  • 天津和睦家醫院 
  • 和睦家京北婦兒醫院 
  • 上海新瑞醫療中心
  • 上海瑞鷹門診部
  • 上海瑞新醫療中心
  • 上海瑞浦門診部
  • 上海瑞祥門診部
  • 北京明德醫院
  • 北京新世紀國際兒童醫院
  • 上海和德門診
If the claim involves a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" or confinement in a room higher than the restricted ward class or a pre-existing condition, the relevant benefit payable may be adjusted. For details, please refer to Section 1(b), 1(c) of the Supplement No. 1 and Section 6.4 of the Terms and Conditions.
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.

FAQ

If I have already claimed from other personal medical insurance or group medical insurance, how would the deductible of the Bowtie Pink VHIS Plan be calculated? Start from the remaining unclaimed amount, or start from the original medical bill amount?

Whether you have claimed from other insurance policies or not, the deductible of the Bowtie Pink VHIS Plan will be calculated from the original medical bill amount. In other words, you can use the reimbursed amount from other insurance policies to pay for the deductible of the Bowtie Pink VHIS Plan.

Can I apply for more than 1 VHIS series policy?

Yes, Bowtie currently allows each insured person to have:

  • two Bowtie VHIS Standard policies or
  • a Bowtie VHIS (VHIS Standard / Flexi Regular / Flexi Plus) policy and a Bowtie Pink VHIS policy (except for $0 deductible plans)
Will the worldwide coverage (except in the US) of the Bowtie Pink VHIS Plan still be valid If I migrated?

The coverage of the Bowtie Pink VHIS Plan is worldwide (except in the US and Chinese hospitals that are not on the List of Designated Hospitals in Mainland China). Bowtie now only accepts Hong Kong residents, who have no intent to live or work outside Hong Kong for more than 183 days in the next 12 months, to submit applications in Hong Kong. If you intend to change your place of residence after applying for the insurance, please contact us as soon as possible through the following channels:

Can I apply for the same Bowtie Pink VHIS Plan with my family and friends?

No, each VHIS Standard, Flexi, or Pink Plan can only have one policyholder and one insured person. However, policyholders can apply for their eligible family members.

Eligible family members refer to the policyholder's spouse, children, parents, siblings, grandparents, or spouse's siblings, parents and grandparents.

Can I change the deductible option after applying for the Bowtie Pink VHIS Plan?

The insured person of Bowtie Pink VHIS Plan can choose a lower deductible option at a specified age without re-underwriting and without providing further evidence of insurability of the insured. The specified age depends on the age of the insured person when the policy is issued—if the insured person is 0-55 years old when the policy is issued, the age of re-selecting the deductible option is 65; if the insured person is 56-80 years old when the policy is issued, the age of re-selecting the deductible option is the 10th year of the policy’s effective date or 85 (whichever is earlier).

If I’m insured with the Bowtie Pink VHIS Plan (Semi-Private Room) but I’m arranged to stay in a private room or higher, would Bowtie make adjustments on such payable benefits?

If there is an unavailability of accommodation at the designated ward class due to ward or room shortage for Emergency Treatment, isolation reasons requiring Confinement in a higher ward class, or for any other reasons not involving the Policyholder’s and/or the Insured Person’s personal preference, Bowtie would not make adjustments on such payable benefits.

The worldwide coverage of the Bowtie Pink VHIS Plan does not include the US and Mainland China hospitals that are not on the List of Designated Hospitals Mainland China. If I am hospitalised and received treatment in the US or in a Chinese hospital not on the List of Designated Hospitals in Mainland China, does that mean I am unable to claim the medical expenses from Bowtie?

No. Although the coverage of the Bowtie Pink VHIS Plan does not include the US and Mainland China hospitals not on the List of Designated Hospitals in Mainland China, in this case, we will provide a claim amount not lower than that of the VHIS standard plan for eligible medical expenses because this product is a certified plan under VHIS.

Is there any ward class restriction for the Bowtie Pink VHIS series?

If the insured person is confined in a room of class higher than the designated ward class specified in the Benefit Schedule for any medical services, payable benefits in relation to such days of confinement would be subject to adjustment factors, depending on the ward class in which the insured person is hospitalised in.

Bowtie Pink VHIS Plan (Semi-Private Room):

  • Standard Private Room: 50% adjustment factor
  • Above Standard Private Room: 25% adjustment factor

Bowtie Pink VHIS Plan (Private Room):

  • Above Standard Private Room: 50% adjustment factor
Can the premium of VHIS be used as a tax deduction?

Since 1 April, 2019, taxpayers (must be Hong Kong residents) who paid the premiums of certified VHIS products for themselves or their specified family members are eligible to claim a tax deduction on qualifying premiums up to a limit of HK$8,000 per insured person each year. If you need any tax advice, please consult your tax advisor or visit the website of the Inland Revenue Department.

What is the difference between the VHIS Flexi and VHIS Standard Plans?

The VHIS Flexi Plan is based on the benefit items of the Standard Plan but offers higher protection with higher limits and additional benefits. The Flexi Plan is also under the regulation of the Food and Health Bureau. You can click here to learn more about the differences between Standard and Flexi Plans.

Do Flexi Plans offer lifetime guaranteed renewal?

All Bowtie VHIS Flexi Plans offer guaranteed lifetime renewal. As long as you pay your premiums on time, you will not lose your protection.

What is day case procedure cash benefit?

If you undergo day case surgery and the expense is covered by the surgeon’s fee benefit, you will also get day case procedure cash benefit. This is applied based on each surgery and the cash benefit is HK$500 for Flexi Regular, HK$800 for Flexi Plus, and HK$800 for Bowtie Pink.

Is there an age limit for a hospital companion bed?

There is no age limit for a hospital companion bed. Only one hospital companion bed is covered.

What should I do if I mistakenly gave an inaccurate answer for an underwriting question?

If you mistakenly gave an inaccurate answer for an underwriting question in your application, please contact us as soon as possible through the following channels to make the correction.

Please note inaccurate information may impact claims results in the future.

How come I did not get an instant quote?

If you are unable to get an instant quote, it doesn’t mean your application is declined. It may be due to one of the following:

  • We’re unable to accept your application due to your current health condition
  • You expressed that you have reservations about the answers you provided to our underwriting and need further assistance
  • We’re now enhancing our underwriting system to re-process your application
  • You selected ‘Other illnesses’ and we need more information from you
  • You’re 65 or more and we’ll need to arrange a body check for you to complete the underwriting

If you provided us with your email address during your application, our customer service team will be in touch to assist with your application.

What should I do if I don’t understand an underwriting question and I’m not sure how to answer it?

You can contact us through the following channels if you have questions about our underwriting or unsure how to answer.

Please note inaccurate information may impact future claims results.

How does the underwriting process work?

Bowtie leverages Hong Kong’s first-of-its-kind fully online medical underwriting system to evaluate applicants’ health conditions instantly. No medical examinations or paper forms are required, and as a result, the application process is shortened from at least three days to as quick as 10 minutes.

Based on the health information you provide, we analyse the severity of your previous illnesses and instantly provide the fairest and most accurate premium rates. Typically, if the applicant is in good health, premiums would be low. 95% of the questions in our underwriting system are multiple choice.

The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink.

  • Health questionnaire 
  • Resting electrocardiogram
  • Urinalysis
  • Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen
Change of ownership of the policy

Bowtie shall not reject any application by the policyholder for the transfer of ownership to 

  1. the insured person who has reached the age of 18;
  2. the parent or the guardian of the insured person if the insured person is a minor; or 
  3. any person whose familial relationship with the insured person is accepted by Bowtie according to its prevailing underwriting practices.
What should I do if during the claims process, I discover that the insured person forgot to declare pre-existing illnesses?

In this case, you need to redo the underwriting process. If the declared health condition impacts the risk assessment outcome, new exclusions may be added to your policy, your premiums may be adjusted or your policy may be cancelled.

Inquiries and complaint channels
  • VHIS Office,  set up under the Food and Health Bureau, handles VHIS-related matters, including product offerings, approved product features and the code of practice for insurance companies under the ambit of the VHIS 
  • Insurance Authority—regulates the conduct of insurance companies and insurance intermediaries
  • Inland Revenue Department—manages matters related to tax deductions
  • Bowtie—policyholders can submit their complaints by email at cs@bowtie.com.hk or call the customer service hotline on 3008 8123.
Will my renewal premiums increase because I made claims? Will my renewal be denied due to the claims?

Annual renewal premiums are adjusted according to age. We do not increase premiums for individual policyholders because of the number of claims they made, their claim amounts or their health conditions.

In addition, the VHIS Standard Plan guarantees renewal up to age 100 and the VHIS Flexi Plan guarantees lifetime renewal. We will not reject your renewal request due to your claim history or health condition.

How do I make a claim?

You can request a claim estimate or submit a claim directly on our website. After you have submitted a claim, Bowtie will assign a claims specialist to assist you throughout the claims process and follow up with you. If you have any questions about your claims, you can also call our customer service hotline at 3008 8123 or email us at cs@bowtie.com.hk

If I have questions about Bowtie services, what can I do?

Just like traditional insurance companies, you can contact us through our customer service centre, hotline, email, WhatsApp, or Live Chat for assistance with applications, claims estimates or claims submissions.

You can call our customer service hotline or WhatsApp us at 3008 8123 anytime or email us at cs@bowtie.com.hk. We value your feedback and will follow up as soon as possible. If necessary, you can book an appointment to visit the customer service centre where our dedicated service team will serve you.

I have medical insurance policies from two different insurance companies, which one should I submit a claim to first?

It’s completely up to you which insurer you wish to submit a claim to first. If you need to submit a claim to more than one insurer, you will need to include the claims details provided by the first insurance company along with the required documents in your claims submission to the second insurer, as well as the true copy or certified copy of the medical bills.

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Remarks:
Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Pink VHIS Plan is underwritten by Bowtie and intended for sale in Hong Kong only. The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.

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