Bowtie Pink VHIS Plan

How Bowtie can help if you can't afford the deductible after retirement?

Suggested practice:

Submit the initial claim with your existing medical plan that has no deductibles (i.e. your company’s group medical plan/ personal medical plan)
Submit a claim for the remaining expenses with Bowtie Pink

The benefit is that you can use the reimbursements from the existing medical plan to offset Bowtie Pink’s deductible to reduce any out-of-pocket payments.

Detailed Benefit Schedule 

Each Bowtie Pink VHIS policyholder can exercise a one-off right to reduce or remove the deductible, without re-underwriting and providing further evidence of the insurability of the insured.

Starting from 30 April 2023, where the Insured Person has been covered under the Policy continuously for 2 consecutive Policy Years. Subject to the Deductible options available at that time, the policyholder can request to exercise such right, made not less than 30 days prior to the Renewal Date on or immediately following the date that the Insured Person attains the Age of 55, 60, 65, 70, 75 or 80.

In any case, after the change of Deductible, the premiums of the Policy willbe adjusted according to the prevailing Standard Premium schedule and the relevant Terms. For details, please refer to the policy terms and conditions Supplement No. 1.

💡

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

Real claim examples, comprehensive coverage of illnesses

Benefit table

Room suggested

Bowtie Pink (Ward)

Ward Room

Bowtie Pink (Semi-Private)

Semi-private room

Bowtie Pink (Private)

Private room

Benefit limit

$8,000,000/year

$40,000,000/lifetime

Benefit limit

$10,000,000/year

$50,000,000/lifetime

Benefit limit

$20,000,000/year

$80,000,000/lifetime

Benefits items with full coverage

Deductible

$0 / $20,000 / $50,000 / $80,000

Deductible

$0 / $20,000 / $50,000 / $80,000

Deductible

$0 / $20,000 / $50,000 / $80,000

Premium

30-year-old non-smoker male, deductible option HK$80,000

Premium

$186/month

Premium

$273/month

Premium

$509/month

Benefit table details 

Want to explore other coverage levels of Bowtie's VHIS plans?

Compare now!



Bowtie Pink (Ward)

Apply now

Bowtie Pink (Semi-Private)

Apply now

Bowtie Pink (Private)

Apply now

Summary

Room suggested

Ward Room

Semi-private room

Private room

Annual benefit limit

$8,000,000
/year

$10,000,000
/year

$20,000,000
/year

Lifetime benefit limit

$40,000,000

$50,000,000

$80,000,000

Benefits items with full coverage

Deductible

It's the out-of-pocket payment that you need to pay first when making a claim. Your plan will cover the rest and is subject to benefit limits.

Options: $0/ $20,000/ $50,000/
$80,000 per year

Basic coverage

This includes general medical expenses such as diagnosis, hospitalisation, surgery or other treatments if you are admitted to the hospital.



Additional coverage

Benefit items that are involved after discharge from hospital, during rehabilitative care, or other special situations.



Accident emergency outpatient treatments

Full coverage

Outpatient kidney dialysis(1)

Full coverage

Post-confinement / Day case procedure daily home nursing(1)

$1,300/day

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

#BowtieActuarialExperts

The coverage amount generally can cover 16 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.



$1,600/day

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

#BowtieActuarialExperts

The coverage amount generally can cover 16 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.



$2,000/day

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

#BowtieActuarialExperts

The coverage amount generally can cover 20 hours of private duty nursing (enrolled nurse) services. The daily care services limit up to 180 days after discharge is the longest in the market.



Rehabilitative care(1)

$2,200/day

$30,000/year, within 90 days after discharge from hospital

$2,500/day

$34,000/year, within 90 days after discharge from hospital

$3,000/day

$40,000/year, within 90 days after discharge from hospital

Hospital companion bed

When hospitalised, the insured person may need care and support from a loved one. So we fully reimburse the cost of one extra bed in the same ward for the companion.

Full coverage

Hospice and palliative care benefit(1)

$100,000/year

$120,000/year

Others



Benefit Schedule ↓

Eligible Expenses incurred in respect of the same item shall not be recoverable under more than one benefit item in the table above, unless otherwise specified. Please refer to Supplement No.1 for details.
(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) 2 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).

Case studies

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$293 (save 58%)

HK$698

Final payment

HK$0 (same protection)

HK$0

The above claim cases are purely for illustrative purposes and reference 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.

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$446 (save 47%)

HK$834

Final payment

HK$0 (same protection)

HK$0

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

Key Risks and Policy Exclusions

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$378 (save 65%)

HK$1,085

Final payment

HK$0 (same protection)

HK$0

Additional support

NEW No-Claim Rewards ²

Earn BowtieCash^{^} - worth 8% of your monthly premium to pay-off future medical expenses and redeem designated health services.

More details →

Cashless Settlement Service ³

Applicable to inpatient treatment and prescribed diagnostic imaging tests, allowing you to have a worry-free treatment.

NEW Designated Prescribed Diagnostic Imaging Tests Referral

Bowtie Health Specialist will book appointments at designated imaging centers and apply for pre-approval on your behalf for designated Prescribed Diagnostic Imaging Tests.

More details →

24 - hour Global
Emergency Assistance⁴

In the event of an emergency during a business trip or holiday, call the 24-hour worldwide emergency hotline for assistance.

More details →

Product Information

Eligible for persons aged 15 days to age 80

unknown pre-existing conditions are existing health conditions that the insured person was not aware of when applying for the policy, such as pre-existing conditions that were diagnosed and treated following the insurance application.

Covers unknown pre-existing conditions and

congenital conditions include congenital diseases that onset or diagnose at 8 years of age or later

‍congenital diseases

No waiting period level up!

Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the 91st day from the effective date of the policy.

Lifetime guaranteed renewal

If the insurer immigrates to other countries, the premium might be adjusted based on the risk of relocated countries. For details, please contact Bowtie Customer Service at 3008 8123.

Worldwide coverage (including immigration and travel)^#

Except for U.S. and non-designated Chinese hospitals
Psychiatric treatments only available in Hong Kong

Monthly payment

Product documents

Terms and Conditions

Supplement No. 1-3

Premium Schedule – Bowtie Pink (Ward)

Premium Schedule – Bowtie Pink (Semi-private)

Premium Schedule – Bowtie Pink (Private)

Benefit Schedule
Ward

Benefit Schedule
Semi-Private

Benefit Schedule
Private

Important product information

Product category

Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the 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 the insurance application.

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)

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

Waiting period

N/A

There is a waiting period for pre-existing conditions. For details, please refer to the policy provision 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 Health Bureau.

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

Download list (PDF)

If the claim involves confinement in a Mainland China Hospital unlisted in / a High-end Mainland China Hospital listed in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / 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.

Key exclusions

Under this plan, Bowtie will not pay any benefit in relation to or arising from the following:

Treatments, procedures, medications, tests or services which are not Medically Necessary;
Confinement solely for the purpose of diagnostic procedures or allied health services, 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;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time eat which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, organ transplant, blood transfusions or blood donation, or infection at birth)
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;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured Person receives the Medical Services within 90 days of the Accident;
Correction of visual acuity or refractive errors that can be corrected by fitting of spectacles or contact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
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;
Congenital Conditions which have manifested or been diagnosed before the Insured Person attained the age of 8;
Treatment for Disability arising from war, civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution, insurrection, or military or usurped power; or
Reimbursements under any law, or medical program or insurance policy provided by any government, company or other third party.

The above list is for reference only. You should refer to the “General Exclusions” section in theTerms and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS registration info

Name of VHIS certified plan:
Bowtie Pink VHIS Plan
Available for new application
F00060-09-000-02 (Ward room - Deductible HK$0)
F00060-10-000-02 (Ward room - Deductible HK$20,000)
F00060-11-000-02 (Ward room - Deductible HK$50,000)
F00060-12-000-02 (Ward room - Deductible HK$80,000)
F00060-01-000-05 (Semi-Private room - Deductible HK$0)
F00060-02-000-05 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-05 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-05 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-05 (Private room - Deductible HK$0)
F00060-06-000-05 (Private room - Deductible HK$20,000)
F00060-07-000-05 (Private room - Deductible HK$50,000)
F00060-08-000-05 (Private room - Deductible HK$80,000)
Not available for new application
F00060-09-000-01 (Ward room - Deductible HK$0)
F00060-10-000-01 (Ward room - Deductible HK$20,000)
F00060-11-000-01 (Ward room - Deductible HK$50,000)
F00060-12-000-01 (Ward room - Deductible HK$80,000)
F00060-01-000-04 (Semi-Private room - Deductible HK$0)
F00060-02-000-04 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-04 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-04 (Semi-Private room - Deductible HK$80,000)
F00060-01-000-03 (Semi-Private room - Deductible HK$0)
F00060-02-000-03 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-03 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-03 (Semi-Private room - Deductible HK$80,000)
F00060-01-000-02 (Semi-Private room - Deductible HK$0)
F00060-02-000-02 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-02 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-02 (Semi-Private room - Deductible HK$80,000)
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)
F00060-05-000-03 (Private room - Deductible HK$0)
F00060-06-000-03 (Private room - Deductible HK$20,000)
F00060-07-000-03 (Private room - Deductible HK$50,000)
F00060-08-000-03 (Private room - Deductible HK$80,000)
F00060-05-000-02 (Private room - Deductible HK$0)
F00060-06-000-02 (Private room - Deductible HK$20,000)
F00060-07-000-02 (Private room - Deductible HK$50,000)
F00060-08-000-02 (Private room - Deductible HK$80,000)
F00060-05-000-01 (Private room - Deductible HK$0)
F00060-06-000-01 (Private room - Deductible HK$20,000)
F00060-07-000-01 (Private room - Deductible HK$50,000)
F00060-08-000-01 (Private room - Deductible HK$80,000)
HIS provider registration no.
00023
Registration effective date:
21 March 2019

The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.

Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

Understand the concept behind →

Upgrades in Bowtie’s VHIS in 2024

Check out what’s new this year!

Learn more +

Application

Our customer service staff will listen to your concerns, provide detailed explanation of the products, assist with quotations and insurance applications.

About the application procedures →

Filing a Claim

Our claims specialist will follow up on the claim application and progress. We will also provide compensation estimates and arrange cashless settlement services. A hotline for the claim department is set up for your enquiries!

About the claim procedures →

Management of policies

Insurance and claim application progress will be updated via email and online platform. You may view and download all policy documents, benefit balance, claim records and other information at any time on the online platform!

🚀

2024

年

月

日

Free upgrade on Bowtie VHIS Series

Extending the usage and validity period of BowtieCash
- Extending the use of BowtieCash to redeem the designated health service and the validity period to 7 years.
Supports Travel Protection Needs
- To thank you for the support, early customers who enrolled between 2019 and 2020 can now enjoy the exclusive travel insurance promotion offered by Generali.
Extending the Plan Coverages and Cashless Settlement Service
- Reduce the waiting period for Unknown Pre-existing Conditions to 90 days. [Applicable to Flexi Plan and Bowtie Pink]
- Include Chinese medicine treatment in the coverage of “Post-Confinement/Day Case Procedure outpatient care [Applicable to Flexi Plan and Bowtie Pink]
- Bookings for designated diagnostic imaging tests through Bowtie Health Specialists can enjoy Cashless Settlement Service.

和

🚀

2024

年

月

日

Partner with CUHK Medical Centre to launch the "Medical Insurance + Wellness" Package

This VHIS Flexi Plan Rider offers a comprehensive healthcare experience, including annual health check-up (as recommended by a doctor) + full reimbursement for the selected medical packages with a waiver to submit cashless settlement application^. Learn More

‍
*When redeeming the optional health check items and when using the health check-up related services or the selected medical packages at CUHK Medical Centre, the Insured Person must agree to and be bound by the terms and conditions stipulated by CUHK Medical Centre for such services and packages and other service terms and conditions of CUHK Medical Centre.

^Such full reimbursement subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The designated hospital will submit the pre-approval application in response to the selected medical packages for inpatient treatments for the cashless settlement service to Bowtie on your behalf, in which the cashless settlement Service is subjected to Bowtie's approval. For the service terms and conditions, please refer to the relevant website.

和

🚀

2023

年

月

日

Launched Bowtie Pink (Ward Room)

Since most of the group medical insurance claims are for ward rooms, while high-end medical insurance plans are usually designed for semi-private and private rooms only, Bowtie Pink VHIS series has added a ward level. If customers hold a group medical insurance plan that covers the ward rooms, they can enjoy full coverage* at lower premiums with deductibles.

和

🌟

2023

年

月

日

Free upgrade on Bowtie VHIS Series

[Applicable to all plans] Launched New "No Claim Reward", all VHIS customers can earn equal to 8% of monthly premium BowtieCash to minimize your future medical costs!
[Applicable to Flexi plan and Pink plan] Adjust the waiting period for "Unknown pre-existing conditions" to the first 180 days from the effective date of the policy. From the 181st day after the effective date of the policy, the insured get 100% reimbursement for eligible medical expenses for "Unknown pre-existing conditions"
[Applicable to Pink plan] Increase the Benefit Limit of Bowtie Pink - Private Room, Annual Benefit Limit increased from HK$10,000,000 to HK$20,000,000; and Lifetime Benefit Limit increased from HK$50,000,000 to HK$80,000,000
[Applicable to Pink Plan] Simplified the age condition of reducing the deductible options without re-underwriting. Where the relevant policy has been in force for 2 consecutive years or more, the policyholder can request to reduce or cancel the deductible not less than 30 days prior to the Renewal Date on or immediately following the date that the Insured Person attains the Age of 55, 60, 65, 70, 75 or 80.

和

🌟

2022

年

月

日

Free upgrade on Bowtie Pink VHIS benefit

Increasing the benefit limit of Day Case Procedure Cash Benefit to better protect you against the loss of income during procedure.
Increasing the number of prior outpatient visits or Emergency consultations for Pre-Confinement/Day Case Procedure Outpatient Care to encourage you getting a second medical opinion, so customers can make more informed decisions for better treatment outcomes.
Adjusting the Waiting Period and Reimbursement Arrangement of Unknown Pre-existing Conditions (i.e. Enjoy 100% reimbursement starting from the second policy year).

和