Bowtie VHIS Flexi

B. Optional Healthcare / Medical Services (Valued at HK$1500)

^#Items only applicable to persons aged 18 or above

Items

Detailed Medical History

General Health Assessment

Blood Pressure, Height, Weight,
Body Mass Index and Waist Circumference

Eye Examinations

Visual Acuity
Color Vision

Cardiac Examinations^#

Electrocardiogram (ECG)

Blood Analysis^#

Complete Blood Count

Renal Function^#

Urea
Creatinine

Liver Function^#

S.G.O.T. (AST)
S.G.P.T. (ALT)
Alkaline Phosphatase

Diabetes Screening^#

Glucose, Fasting

Lipid Profile^#

Total Cholesterol
HDL Cholesterol
LDL Cholesterol
Triglycerides

Urine Routine Examination^#

Urine Routine

Stool Test^#

Occult Blood

Tumour Markers^#

Prostatic Specific Antigen (PSA) (Male)
CA15.3 (Female)

Medical Consultation # and Report Analysis (For abnormal lab result only)

A. Core Health Check-up (Valued HK$1,910)

Entitled to 1,500 BowtiePoint (valued at HK$1500) 1 each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up. Optional Health Check Items* must be used in conjunction with the Core Health Check-up.
^#Items only applicable to persons aged 18 or above

Items

=Bowtie Points required

Liver Function (Extended Profile)^#

1,500

HAVAb

HBsAg

Total Protein

Globulin

Albumin

Total Bilirubin

Direct Bilirubin

Gamma GT

Thyroid Function^#

500

TSH

Free T4

Electrolytes 1^#

300

Sodium

Potassium

Chloride

Electrolytes 2^#

500

Total Calcium

Corrected Calcium

Phosphorus

Tumour Markers Panel^#

1,500

Alpha Fetoprotein (AFP)

Carcinoembryonic Antigen (CEA)

Epstein-Barr Virus

CA125^#

600

Liquid Based Pap Test (Doctor fee included)^#

500

Diabetes Screening^#

300

HbA1c

Vision Care

300

Case history

Visual acuity

Refraction

Binocular vision

Color vision

Intra-ocular pressure

Fundus photo taking OR cycloplegic refraction (Either one, depending on individual case)

Provision of information related to eye care

Suggestion for follow-up plan

GP consutlation in Gleneagles Medical Clinic Central,
Hong Kong (including 3-day basic medication)

500

Professional Nutrition Consultation (2 sessions)

500

A registered dietitian will evaluate your past medical history, eating habits, nutritional needs, etc.

Provide an approximately 45-minute full range 1 to 1 professional nutrition consultation

A Bioelectrical Impedance Analysis (BIA) machine will be used to analyzeyour body composition, e.g. body fat percentage, muscle mass, visceral fat, basal metabolic rate, etc.

Individualised diet advice will be given based on the above
results to improve dietary habits and health."

Get 1) an HK$500 Cash Benefit² and 2) Full Cover³_{(applicable to Flexi Plan customers only)} for the [249] designated “All-inclusive Fixed Price Medical Packages” and “Histotripsy treatment - Liver cancer treatment package”* of GHK.

The designated “All-inclusive Fixed Price Medical Packages” cover [11] specialties including Endoscopy, General Surgery, Cardiology / Cardiothoracic Procedures, Gynecology, Ophthalmology, Orthopedics, Interventional Radiology Procedures, etc. Each package includes the doctors’ fees, room charges and all other procedure-related standard items and drugs. The costs related to complications are also covered (including intensive care and re-operation charges).

💡Bowtie Pink already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark^
1 BowtiePoint Program is not a cash reward plan. Under the Bowtie & GHK Wellness Package, BowtiePoint Program is only applicable for redemption of the “Optional Health Check Items" under the said package and it cannot be converted into cash, transferred, or accumulated for the next policy year.
2 Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
3 Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person’s VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to GHK directly for all the fees that have not been pre-approved by Bowtie before discharge.

Cashless settlement for all designated medical packages can be processed without needing you to submit any pre-approval application.

By presenting the page after logging into the Bowtie online platform that indicates your rider during a pre- surgery medical consultation, the hospital will directly submit a pre-approval application in respect of the designated medical package(s) to Bowtie on your behalf. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
GHK will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

New Territories

B. Optional Healthcare / Medical Services (Valued HK$1500)

^#Items only applicable to persons aged 18 or above

Items

Physical Examination

Blood Pressure, Height, Body Weight, Body Mass Index (BMI), Waistline

Medical Consultation and Examination by a Family Physician

Urinalysis

Urine Routine

Coronary Artery Disease Risk Assessment

Lipid Profile
Total Cholesterol
High-density Lipoprotein & Low-density Lipoprotein Cholesterol
Non-high-density Lipoprotein Cholesterol
Triglycerides
Total Cholesterol / HDL ratio

Diabetes Assessment

Fasting Blood Sugar

Liver Function Test

Aspartate Aminotransferase (AST/SGOT)
Aspartate Aminotransferase (AST/SGOT)

Renal Function Test

Creatinine

Gout Screening

Uric Acid

Report Explanation by Family Physician

Items

=Bowtie Points required

C-Urea Breath Test

800

Hep A Antibody (IGG)

+ HBSAG

+ HBSAB

700

Rest ECG

600

Cancer Antigen-125

(For

Ovarian Cancer)

700

Prostate Specific Antigen, PSA

(For Prostate Cancer)

700

Pap Smear

600

Carcinoembryonic Antigen,

CEA (For Lung Cancer, Gastric Cancer, Colorectal Cancer,

Ovarian Cancer, Breast Cancer, etc)

700

Vitamin D (Bone Function Test)

700

Thyroid-stimulating Hormone, TSH

(For Thyroid Function)

500

Glycated Hemoglobin, HbA1C

(For Diabetes)

400

AFP - alpha fetoprotein

(Liver cancer)

500

Chest X Ray

300

Chlorides

(Renal Function Test)

200

Sodium

(Renal Function Test)

200

Potassium

(Renal Function Test)

200

Fecal Occult Blood Test, FOBT

(For Colorectal Cancer)

200

Bone Density Test

(DEXA) - Spine & Hips

(Bone Function Test)

1,000

EBV DNA

(For Nasopharyngeal Carcinoma)

800

Pap Smear

+ HR-HPV DNA

1,300

Stool Routine

200

Breast Ultrasound

1,500

2D Mammogram

1,500

Get 1) an HK$500 Cash Benefit¹ and 2) Full Cover² _{(applicable to Flexi Plan customers only)}. for the designated [139] day procedure and [228] inpatient operation/procedure packages named “CUMC Medical Packages” (CMP)The designated “CUMC Medical Packages” cover [7] specialties, including General Surgery, Gynecology, Ophthalmology, Orthopedics, and endoscopy procedures. Each package includes all doctors’ fees and all hospital charges for procedure-related standard items and drugs, which also cover expenses over complications and intensive care arising from the operation/procedure.

💡Bowtie Pink already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.

Remark
1 BowtiePoint Program is not a cash reward plan. Under the Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package, BowtiePoint Program is only applicable for redemption of the “Optional Health Check Items" under the said package and it cannot be converted into cash, transferred, or accumulated for the next policy year.
2 Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.

Cashless settlement for all designated surgery/procedure packages can be processed without needing you to submit any pre-approval application.

By presenting your Bowtie Digital Medical Card that indicates your rider during a pre-surgery medical consultation at CUHK Medical Centre, the hospital will directly submit a pre-approval application in respect of the CUMC Medical Package(s) designated to Bowtie on your behalf. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

Remark
CUHK Medical Centre will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

Additional support

BowtieGo Outpatient Benefits

Unlimited Doctor Visits with up to 50% Discount¹¹, including general practice, Chinese medicine, specialists, dental cleaning and physiotherapy

No-Claim Rewards ⁵

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

Cashless Settlement Service ⁶

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

24 - hour Global Emergency Assistance ⁷

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

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.

How does cashless treatment work in this plan? Ask AI

Product Information

Eligible for persons aged 15 days to age 80

unknown pre-existing conditionsare 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)^#

Monthly payment

Product Documents

Terms and Conditions

Premium Schedule-Flexi Regular

Premium Schedule-Flexi Plus

Supplement No. 1-3

Key Risks and Policy Exclusions

Benefit Schedules

Flexi Regular - Benefit Schedule

Flexi Plus - Benefit Schedule

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 the Health Bureau.

Please refer to the policy terms and conditions for details

Policy Cancellation

You may request cancellation of the policy by giving us a prior notice with at least 30 working days.

Cooling-off Period

Within 21 days of the cooling-off period, you may cancel the policy and receive a full refund of premium

Tax Deduction

Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. Click here for details.

Policy Exclusions

Under these Terms and Benefits, the Company shall not pay any benefits in relation to or arising from the following expenses:

Treatments, procedures, medications, tests or services which are not Medically Necessary;
Confinement solely for the purpose of diagnostic procedures or allied health services, unless suchprocedure or service is recommended by a Registered Medical Practitioner for Medically Necessaryinvestigation or treatment of a Disability which cannot be effectively performed in a setting forproviding Medical Services to a Day Patient;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contractedor occurs before the Policy Effective Date. If evidence of proof as to the time at which such Disabilityis first contracted or occurs is not available, manifestation of such Disability within the first 5 yearsafter the Policy Effective Date shall be presumed to be contracted or occur before the PolicyEffective Date (except cases where HIV and its related disability is caused by sexual assault, medicalassistance, 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 transmitteddisease or its sequelae;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and theInsured 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 orcontact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation orprocedures with the purpose of avoiding complications, removal of pre-malignant conditions, andprevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except foremergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications orsexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
Experimental or unproven medical technology or procedure in accordance with the commonstandard, 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 Personattained 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;
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 the Terms andConditions of this plan for the complete list and details of exclusions.

Bowtie VHIS Registration Information

Name of VHIS certified plan:
Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau
Bowtie VHIS Flexi Plan Regular
Available for new application
F00031-01-000-07 (Flexi Regular Plan)
F00031-02-000-07 (Flexi Plus Plan)
Not available for new application
F00031-01-000-06 (Flexi Regular Plan)
F00031-02-000-06 (Flexi Plus Plan)
F00031-01-000-05 (Flexi Regular Plan)
F00031-01-000-04 (Flexi Regular Plan)
F00031-01-000-03 (Flexi Regular Plan)
F00031-01-000-02 (Flexi Regular Plan)
F00031-01-000-01 (Flexi Regular Plan)
F00031-02-000-05 (Flexi Plus Plan)
F00031-02-000-04 (Flexi Plus Plan)
F00031-02-000-03 (Flexi Plus Plan)
F00031-02-000-02 (Flexi Plus Plan)
F00031-02-000-01 (Flexi Plus Plan)
VHIS Provider Registration No.
00023
Registration Effective Date
21 March 2019

The information on the page is for reference only. For the full and detailed policy terms and conditions, please refer to the product documents.

Does it cover pre-existing conditions? Ask AI

Best for Top-up

Free upgrades in coverage
Get adequate protection at an affordable price

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Upgrades in Bowtie’s VHIS in 2025

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!

🌟

2025

Free upgrade on Bowtie VHIS Series

Removal of Adjustment Factors for Full Reimbursement of Designated High-End Hospitals in Mainland China*
- For all Bowtie Pink customers receiving treatment at any designated hospitals in Mainland China, the eligible medical expenses can enjoy full reimbursement.
Renaming “Special Bonus” to “Second Claim Subsidy”
- Customers who first submit a claim for eligible confinement or Day Case Procedures under other individual or group hospital indemnity insurance plans (such as Group Medical Plans) and receive partial or full reimbursement can then submit a claim under Bowtie VHIS. They will receive an additional cash allowance

and

🚀

2024

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.

and

🚀

2024

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.

and

🚀

2023

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.

and

🌟

2023

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.

and