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Medical Rider for Bowtie VHIS Flexi Policyholders provided by Bowtie in partnership with Gleneagles Hospital Hong Kong
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In Partnership with Gleneagles Hospital Hong Kong : Providing Advanced Clinical Treatments

Located at Wong Chuk Hang on Hong Kong Island South, Gleneagles provides 500 beds, cutting edge medical technologies and a comprehensive range of clinical services spanning more than 35 specialties and subspecialties.

Gleneagles offers state-of-the-art equipment and facilities including Positron Emission Tomography-Computed Tomography (PET-CT) Scan, nuclear medicine facilities, 24-hour fully-automated core laboratory system, Critical Care Unit and operating theatres capable of conducting complex surgeries.

Excellent Healthcare Services & Facilities

Gleneagles Hospital Hong Kong
(in Wong Chuk Hang)
Gleneagles Medical Clinic Central
(in Central)
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Full Reimbursement^
For Selected Medical Packages

Gleneagles provides all-inclusive and fixed price medical packages which cover all costs related to the procedures, offering patients high fee transparency and peace of mind.

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Bowtie complements the medical package with insurance elements and offers full reimbursement medical protection at an affordable price.
^ Full reimbursement of selected medical package is subject to the annual benefit limit of VHIS Flexi Plans.

Upon successful enrolment of Bowtie & Gleneagles Hospital Hong Kong Wellness Package, customers can receive full reimbursement ^ for treatments recommended by a doctor with the 240+ selected medical packages.

Example of Common Medical Packages

(Treatment must be medically necessary)
Endoscopic
Colonoscopy
Package Price: from $12,100
Endoscopic
Gastroscopy
Package Price: from $9,500
Endoscopic
Gastroscopy and colonoscopy
Package Price: from $16,800
Cardiothoracic
Chest Pain Investigation
Package Price: from $12,800
Respiratory
Sleep Study
Package Price: from $9,800
General Surgery
Haemorrhoidectomy
Package Price: from $33,920
General Surgery
Thyroidectomy
Package Price: from $75,000
General Surgery
Lumpectomy
Package Price: from $64,080
General Surgery
Gastrectomy
Package Price: from $147,180
General Surgery
Hernia Repair
Package Price: from $42,480
General Surgery
Appendectomy
Package Price: from $64,780
General Surgery
Circumcision
Package Price: from $28,120
General Surgery
Hemi-Colectomy
Package Price: from $132,520
General Surgery
Anterior Resection
Package Price: from $166,320

The above information is from Gleneagles Hospital Hong Kong, as of April 1, 2021. All prices are for reference only and are subject to change. For most up to date information, visit the Gleneagles Hospital Hong Kong website.
More Examples
See details on the Medical Packages and fees →
Package covers all costs related to the procedures
  • Two-bedded room with en-suite facilities (Standard Room)
  • Doctor's fee
  • Anaesthetist's fee
  • Room charges (including meals)
  • Treatment procedures charges (including emergency procedure, blood transfusion etc)
  • Operating theatre charges (including extra operation theatre time)
  • Nursing procedure charges
  • Equipment and instrument charges
  • Essential and related diagnostic procedure charges (including laboratory testing and diagnostic imaging)
  • Consumable, materials, and implant charges
  • Medication Fee (Inpatient and discharge medication as prescribed by the attending doctor with relevancy to package)
  • Covering costs related to complications (including intensive care and re-operation charges)
  • No additional costs for patients discharged within the scheduled length of stay
Treatments that are not included in the selected packages but are medically necessary will be covered by Bowtie VHIS Flexi Plan Policy in accordance with the Benefit Schedule.
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Case Study

Bowtie & Gleneagles Hospital Hong Kong Wellness Package
Save over $6,000 on out-of-pocket expenses

See Details →

Complimentary Annual Health Check

Applicable for age 3 and up.
Value: $2,720 (age 18 and above) / $1,040 (under age 18)

Comprehensive Health Examination includes:
  • General Health Assessment (Blood Pressure, Height, Weight, Body Mass Index & Waist Circumference)
    (Height and weight only for under age 18)
  • Eye Examinations
  • Cardiac Examinations#
  • Blood Analysis#
  • Renal Function#
  • Liver Function#
  • Diabetes Screening#
  • Lipid Profile#
  • Urine Routine Examination
  • Stool Test
  • Tumour Markers#
  • Medical Consultation (for abnormal results only) and Report Analysis
# Applicable for age 18 and above only
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Your Choice of Medical and Healthcare Services

Earn 1,500 BowtiePoint per year to redeem optional medical and health services (1 BowtiePoint = $1)

Provided by Gleneagles Hospital Hong Kong
Vision Care
300 BowtiePoint
Consultation provided by dietitians (2 sessions)
900 BowtiePoint
Provided by Gleneagles Medical Clinic Central
Additional health examination
(applicable for age 18 and above)
Extended Liver Function & Hepatitis Screening Profile
1,500 BowtiePoint
Thyroid Function
500 BowtiePoint
Other Tumour Markers
1,500 BowtiePoint
Diabetes Screening (HbA1c)
300 BowtiePoint
Extended Renal Function & Electrolytes
300/500 BowtiePoint
Liquid Based Pap Test (inclusive of doctor fee)
500 BowtiePoint
Tumour Marker for Ovarian Cancer (CA125)
600 BowtiePoint
General Practitioner Consultation (inclusive of standard medication for 3 days)
500 BowtiePoint
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Important Product Information

Product Category
Medical Rider (Not a certified plan under VHIS)
Issue Age
15 days – Age 80
Period of Cover
1 year – Lifetime annual renewal (non-guaranteed)
Waiting Period
  • Full reimbursement for selected Medical Packages: No waiting period for new customers, 180 days for existing customers
  • Wellness services: 90 days for new and existing customers
Exclusions
Same exclusions as the associated VHIS plan (including case-based exclusion)
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.
Cooling-off Period
21 days
Within the cooling-off period, you may cancel the Plan and receive a full refund of premium
Policy Cancellation
You may request cancellation of the Plan by giving at least 30 days prior notice.
Tax Deduction
Not Applicable
The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.

Product Documents

How Do I Apply?

Purchase Method
For new customers who wish to purchase Bowtie VHIS Flexi, you can add the Bowtie & Gleneagles Hospital Hong Kong Wellness Package during the application for an additional of $200 monthly
Waiting Period
(From effective date)
Full reimbursement^for selected Medical Packages: No waiting period
Health check and optional medical and health services: 90-day waiting period applies
Flexi Regular
Better Value
Monthly Premium from*
$
142
Bowtie & Gleneagles Hospital Hong Kong Wellness Package
Monthly Premium
$
200
Apply NowMore Details
Flexi Plus
Better Experience (Semi-Private Room)
Monthly Premium from*
$
242
Bowtie & Gleneagles Hospital Hong Kong Wellness Package
Monthly Premium
$
200
Apply NowMore Details
Top-up Method
Existing policyholders of Bowtie VHIS Flexi Plan can log onto our website anytime to purchase the Bowtie & Gleneagles Hospital Hong Kong Wellness Package for HK$200 additional monthly premium.
Top-up Period Limit
Within 2 years after the effective date of Bowtie VHIS Flexi Plan
Waiting Period
(From effective date)
Full reimbursement^ for selected medical packages: 180-day waiting period applies
Health check and optional medical and health services: 90-day waiting period applies

How Do I Use The Package?

Below is a summary of how it works. If you have any questions, feel free to call our customer service hotline at 3008 8123.
Feeling Unwell
Scenario 1: Seek medical advice at Gleneagles Hospital Hong Kong and undergo doctor recommended treatment within the selected medical packages.

Scenario 2: Seek medical advice from other doctors and undergo doctor recommended treatment within the selected medical packages. Treatment must take place at Gleneagles Hospital Hong Kong.
1
Declare as Bowtie Customer
During consultation at Gleneagles Hospital Hong Kong, you need to inform the doctor or hospital administrative staff that you are a Bowtie VHIS Flexi customer.
2
Pre-approved Application
Gleneagles Hospital Hong Kong will submit a pre-approved application to Bowtie on your behalf.
3
Application Result
We will complete the application review process within 4-6 days and notify you of the results and reimbursement estimate.
4
Discharge from Hospital
When you leave the hospital, you do not need to pay for the expenses covered by the selected medical packages. If there are other charges, you need to settle the payment at discharge and keep the receipt for filing a claim.
5
Filing a Claim (if applicable)
After you are discharged from the hospital, you can file a claim for the shortfall in expenses on our website.

How Do I Redeem the Wellness Services?

Upon successful enrolment, you can select your preferred services on our website.
1
Redeem by BowtiePoint
After the 90-day waiting period, you can use your BowtiePoint to redeem health examination and wellness services before the BowtiePoint expiry date.
2
Appointment Booking
After redeeming the service, follow the instructions on the QR code page to call Gleneagles Hospital or its affiliated clinic to make an appointment.
3
Show QR code
Upon arriving at the hospital or affiliated clinic, just show the QR code to the staff and no payment is required to enjoy the services.

Frequently Asked Questions

Can I apply for Bowtie & Gleneagles Hospital Hong Kong Wellness Package if I am an existing Bowtie VHIS Flexi policyholder?

If your Bowtie VHIS Flexi Plan Policy is issued within the last two years, you can log onto our website to purchase the package for $200 additional monthly premium. After the 90-day waiting period, you can redeem the optional medical and health services, and health examinations or receive full reimbursement^ for selected medical packages.

Will the exclusions in my existing policy apply to Bowtie & Gleneagles Hospital Hong Kong Wellness Package?

The exclusions in your policy, including any case-based exclusions, will apply to the full reimbursement of the selected medical packages, but they will not affect the health examination and the optional medical and health services.

Will the loading fee for my existing policy affect the wellness package monthly premium?

The premium for Bowtie & Gleneagles Hospital Hong Kong Wellness Package is the same for everyone and is not be affected by the insured person’s claim history and health condition. Thus, the loading in your existing VHIS policy will not be carried forward to your wellness package monthly premium.

How can I cancel my Bowtie & Gleneagles Hospital Hong Kong Wellness Package?

You can cancel your Bowtie & Gleneagles Hospital Hong Kong Wellness Package policy on our website. The cancellation will take effect starting on the next billing date. Your Bowtie VHIS Flexi Plan will not be affected and will remain in effect.

What happens if I cancel my Bowtie VHIS Flexi Plan Policy?

If you cancel your Bowtie VHIS Flexi Plan Policy, your Bowtie & Gleneagles Hospital Hong Kong Wellness Package will also be cancelled.

Can I receive full reimbursement^ for treatments or services that are not covered by the selected medical packages?

If the treatment or services are not covered by the selected medical packages, full reimbursement^ does not apply. Prior to admission, Gleneagles Hospital Hong Kong will provide a breakdown of the fees that clearly states which costs are covered by the medical packages and which costs are not covered (if any). You can request for a claims estimate during the pre-approval process to find out the amount that will be covered or you can first settle the payment and file a claim afterwards. Please refer to each medical package for details.

When can I start the health examination and redeem my BowtiePoint?

There is a 90-day waiting period for health examination and BowtiePoint. The waiting period starts from the effective date of Bowtie & Gleneagles Hospital Hong Kong Wellness Package Policy.

How can I use my BowtiePoint to redeem health services?

After the waiting period, you can log onto our website and redeem your preferred health services on the “Redeem Services” page.

Is there an expiry date for BowtiePoint?

BowtiePoint is valid for one year and any remaining BowtiePoint will be removed upon expiry date. If you renew your policy, the system will automatically add BowtiePoint to your account for the next policy year.

Can I share my BowtiePoint with my friends and family?

No. Each insured person can only use their own BowtiePoint to redeem services.

Can I return or exchange the health services redeemed from BowtiePoint?

No. We do not accept requests for return or exchange of health services.

Under what conditions would I not be eligible for full reimbursement of the 249 selected medical packages?

There is a limit for the full reimbursement for selected medical packages offered in the Bowtie & Gleneagles Hospital Hong Kong Wellness Package. For example, if the total cost for the selected medical package is HK$100k and balance of your VHIS Flexi Plan Policy annual benefit limit is HK$80k, you can only receive reimbursement of up to $80k. The annual benefit limit for Bowtie VHIS Flexi Regular and Bowtie VHIS Flexi Plus is HK$600k and HK$1 million respectively.

Are the premiums for Bowtie & Gleneagles Hospital Hong Kong Wellness Package tax deductible*?

Bowtie & Gleneagles Hospital Hong Kong Wellness Package is not a certified plan under the Voluntary Health Insurance Scheme, therefore the premiums are not tax deductible.

Remarks:
Bowtie is not the provider of the above medical services. Bowtie is not responsible for any liability arising from the services provided by the partners, any problems or complaints related to the services or the quality of the related services, please contact the relevant suppliers or third parties directly. For details, please call the partner customer service hotline or official website for inquiries. In case of any disputes, Bowtie and its partners reserve the right of final decision.
BowtiePoint plan is a healthcare service protection plan under the Bowtie & Gleneagles Hospital Hong Kong Wellness Package. It is only applicable for redemption for the “Optional medical and health services" under this package, and it is not a cash reward plan.
Bowtie & Gleneagles Hospital Hong Kong Wellness Package is underwritten by Bowtie Life Insurance Company Limited, and is intended for sale in Hong Kong only. This Medical Rider is not a certified plan under VHIS.

^ Full reimbursement of selected medical package costs is subject to the annual benefit limit of the VHIS Flexi Plan.
* Monthly Premium of VHIS Flexi Standard for 14-year-old male (smoking or non-smoking) = $142
* Monthly Premium of VHIS Flexi Plus for 12-year-old female (smoking or non-smoking) = $242

* If you need any tax advice, please consult your tax advisor.

All dollar amounts are in HKD.