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VHIS Flexi’s Rider
From health checks to treatment claims,
we’ve got you covered#
Up to HK$1M annual benefit limit with no lifetime limit
Reimbursement for diagnosis, hospitalization and day/inpatient surgery (Any hospital)
Up to HK$220K Supplementary Major Medical (SMM) Limit
Annual core health check-up and optional medical / health services^
Full reimbursement2 for selected medical packages
Cashless Settlement application waiver3
Scope of Services
Exclusive for Bowtie Flexi Plan Customers
The GHK Wellness Package is a one-stop "Medical Insurance + Health" service product jointly launched by Bowtie and the Gleneagles Hong Kong Hospital (GHK). This wellness package serves as an rider for the Bowtie VHIS Flexi Plan. Flexi Plan customers can add this wellness package for an additional $200/month to enjoy:
1. “Annual Health Check-up (can add optional health check items recommended by doctors)”
GHK will offer pre-check medical consultation. In addition to basic health check-ups, you are also entitled to BowtiePoint, valued at HK$1500, which can be redeemed for designated optional health check as recommended by your doctor.
2. “Full Reimbursement for Selected Medical Packages”
Bowtie fully reimburses for 249 “All-inclusive Fixed Price Medical Packages. The package fees cover doctors’ fees, room charges and all other procedure-related standard items and drugs
3. “Cashless Settlement Application Waiver”
By presenting the page after logging into the Bowtie online platform that indicates your Wellness Package during a pre- surgery medical consultation, Bowtie and GHK will automatically take care of the pre-approval application in respect of the medical package(s) selected by you, and you can enjoy a seamless cashless discharge process.
After purchasing the rider plan, even if you need to receive treatments at other hospitals, you will still get reimbursed for the costs according to the maximum limits of the Bowtie VHIS Flexi Plan, with no restrictions on your treatment options.
Yes. Below listed details with regards to the waiting period of the Wellness Plan:
Applicable to new customer of Bowtie VHIS Flex Plan & this Wellness Plan
Applicable for existing Bowtie VHIS Flexi Plan customers who add on this medical wellness package after the policy becomes effective
This Wellness Package does not cover outpatient treatments unrelated to hospitalization and surgery such as common colds and dental services. The required Bowtie VHIS Flexi Plan that is paired with the purchase of this combination can cover Accident emergency outpatient treatments, and Pre- and post-confinement / Day case procedure outpatient care, with compensation up to the limits of the Flexi Plan.
No. Wellness Plan is not a recognized product under the Voluntary Health Insurance Scheme (VHIS), therefore the premium for this package cannot be used for tax deduction.
However, you can still apply for a tax deduction for the premiums paid for Bowtie VHIS - Flexi Plan.
Yes, the "Full Reimbursement for Selected Medical Packages" of GHK Wellness Package only can be applied to GHK's two-bedded room with en-suite facilities.
The Issue Age for this Wellness Package ranges from 15 days to 80 years old and it is lifetime annual renewal (non-guaranteed).
This Wellness Package provides one-year coverage and it is lifetime annual renewal (non-guaranteed).
No. This Wellness Plan is an additional coverage option for the Bowtie VHIS - Flexi Plan, and only customers of the Bowtie VHIS Flexi Plan can add-on it.
If you wish to purchase this Wellness Plan, you may consider puchasing a Bowtie VHIS - Flexi Plan and adding this Wellness Plan at the time of application.
Yes, you can log into the online platform any time within 2 years from the effective date of your Bowtie VHIS - Flexi Plan to purchase CUHK Medical Center / GHK Wellness Plan as a top-up. However, there will be a 180 Days waiting period from the effective date of the Wellness Plan to enjoy "Full Reimbursement for Selected Medical Packages." While if you purchase the Wellness Plan at the same time as insuring with the Bowtie VHIS Flexi Plan, you will not be subject to the 180 Days waiting period.
Regardless of the circumstances, a 90 Days waiting period applies for "Annual Core Health Check-up and Optional Health Check Items".
No, You can only hold one in-force Wellness Package under your Bowtie VHIS Flexi Plan policy.
Yes. Up until April 10th 2024, all customers of BowtieVHIS - Flexi Plan who never held any Wellness Package can log into the online platform to purchase either CUHKMC Wellness Package or GHK Wellness Package without underwriting needed in the process. However, please note that there will be a 180 Days waiting period from the effective date of the new Wellness Plan to be eligible for the "Full Reimbursement for the Selected Medical Packages"; and there is a 90 Days waiting period for "Annual Core Health Check-ups / Optional Health Services" under the Wellness Plan.
In order for you to purchase the Wellness Package on top of the exisiting VHIS - Flexi, follow the outlined steps below:
1. Log into Bowtie's online platform and visit the "My Policies" page.
2. Select the corresponding Bowtie VHIS - Flexi Plan policy and to "Modify Policy".
3. Click on "Apply for Additional Services" and select the CUHK Medical Centre Wellness Plan.
4. Proceed with the payment process.
The newly purchased Wellness Package will take effect from the date of successful payment. The validity of the services within the package is one year from the effective date of the medical health package policy.
You must complete the purchase of the Wellness Package within the promotional period. After the promotional period, if your Bowtie VHIS Flexi Plan policy has been effective for over 2 years, we will not accept your application for the add-on.
The specific exclusions in your Flexi Plan policy also apply to the "Full Reimbursement" coverage within the Wellness Package Plan, whereas the "Annual Core Health Check-up and Optional Health Check Items " will not be affected.
You can refer to the relevant email, or call at 3008 8123 to contact the Bowtie customer service team for more information.
No, the premium for the Wellness Plan is a fixed charge. Currently, regardless of gender, age, previous claim history, or health condition, the premium is set as $200/month.
Since the "Full Reimbursement for Selected Medical Packages" service is based on the coverage scope of the Bowtie VHIS - Flexi Plan and is subject to its annual coverage limit, the specific exclusions in your Flexi Plan policy also apply to the "Full Reimbursement" coverage within the Wellness Package Plan.
Whereas the "Annual Core Health Check-up and Optional Health Check Items" will not be affected.
No. This Wellness Plan is an additional coverage option for the Bowtie VHIS - Flexi Plan only, and each in-force Wellness Plan policy must be paired with an in-force VHIS Flexi Plan policy.
Yes, you can terminate the Wellness Plan policy at any time by logging onto the online platform and proceed with the process. Please allow at least 30 working days for us to process your termination application.
The related policy will expire after the next billing settlement date, while your Bowtie VHIS - Flexi Plan policy will not be affected.
Bowtie fully reimburses for [249] “All-inclusive Fixed Price Medical Packages” of GHK. The medical package fees cover doctors’ fees, room charges and all other procedure-related standard items and drugs.
Click here for more selected GHK Medical Package details.
You may also contact our claim specialists by calling at 3001 5670 or emailing at claim@bowtie.com.hk for more details / further assistance.
After purchasing the Wellness Package, even if you need to receive treatments at other hospitals/treatments other than selected medical packages within your Wellness Plan, you will still get reimbursed according to the VHIS Flexi Plan coverage details. There will be no restrictions on your treatment options. However, you will not be entitled to the "Cashless Settlement Application Waiver " service.
Should you require assistance, you may contact our Claims Specialist by calling at 3001 5670 or by emailing at claim@bowtie.com.hk.
We will first deduct the relevant costs and coverages based on the benefit item limits of the Bowtie VHIS Flexi Plan. The remaining costs will be considered for reimbursement from the Wellness Package, and the total reimbursement will then be subtracted from the annual benefit limit in the Bowtie VHIS Flexi Plan.
The annual coverage limits of the Bowtie VHIS Flexi Plan (Regular) and Bowtie VHIS Flexi Plan (Plus) have annual coverage limits of HK$600,000 and HK$1,000,000 respectively and they are reset annually.
You can log in to Bowtie's online platform, visit the "My Policies" section, and select the appropriate Bowtie VHIS Flexi Plan policy to check the remaining annual coverage of your policy. You can also seek assistance from Bowtie's claim specialists by calling at 3001 5670 or emailing at claim@bowtie.com.hk.
If the amount you claim for the "Full Reimbursement Selected Medical Package" exceeds the remaining balance of your annual coverage under the Bowtie VHIS Flexi Plan for that year, you will not be eligible for full reimbursement.
Example: If you undergo a selected medical package costing HK$90,000, and the remaining annual coverage of your Flexi Plan policy for that year is only HK$50,000, you will receive a maximum reimbursement of HK$50,000. The remaining HK$40,000 will be your out-of-pocket expense.
Reminder: The annual coverage limits of the Bowtie VHIS Flexi Plan (Regular) and Bowtie VHIS Flexi Plan (Plus) policies are HK$600,000 and HK$1,000,000 respectively, and they are reset every year.
If the remaining balance of your annual coverage under the Flexi Plan is sufficient to cover the entire cost of the selected medical package, you will be eligible for fully reimbursement.When using the selected medical packages at the designated hospital, you must agree to and be bound by the terms and conditions stipulated by the respective hospital. For details, please refer to the respective hospital's website.
Yes, all treatments or services cost outside of the selected medical packages will still be reimbursed according to the maximum limits of the Bowtie VHIS Flexi Plan. If you wish to enjoy the "Cashless Settlement Service", you need to apply for the "Pre-approval Service" with Bowtie for the related costs yourself.
Gleneagles Hospital Hong Kong does provide cost estimation service for all patients before admission, and if needed, they will also specify the costs outside of their medical packages. Bowtie will estimate the reimbursement based on the hospital's quotation.
You may also consult with our claim specialists prior to starting your treatments officially by calling 3001 5670 or by emailing claim@bowtie.com.hk for more details.
If the doctor recommends that you receive one of the selected medical packages included in the your wellness package. You must presenting the page after logging into the Bowtie online platform that indicates your Wellness Package during a pre-surgery medical consultation at GHK, Bowtie and GHK will take care of the pre-approval application in respect of the Medical Package(s) selected by you, and you can enjoy a seamless cashless discharge process.
The detailed process for the "Cashless Settlement Application Waiverr" is as follows:
1. Indicate Yourself at the consultation
Presenting the page after logging into the Bowtie online platform that indicates your Wellness Package during a pre-surgery medical consultation.
2. Wait for Approval Results
GHK will directly submit a pre-approval application in respect of the medical package(s) selected to Bowtie on your behalf. The approval process normally takes about 4-6 working days, after which Bowtie will notify you the application result via SMS/email. The approval process normally takes about 4-6 working days, after which Bowtie will notify you the application result via SMS/email.
3. Receive Treatment / Discharge
After being approved, you can contact GHK to arrange the treatment date and enjoy a hassle-free discharge.
You may also contact our claim specialists by calling at 3001 5670 or emailing at claim@bowtie.com.hk for more details / further assistance.
This Wellness Plan comes with BowtiePoint that valued at HK$1500 every year for you to redeem designated Optional Health Check Items / Medical and Healthcare Services.
You need to call GHK at 3153 9000 / 3153 9113 to make a appointment before the visit. The hospital / medical center will provide the pre-check medical consultation, you can then log onto the "Redeem Services" page, and redeem health services according to the recommendations from your doctor. BowtiePoiint can be used, you will have to provide the QR Code as you receive the health services.
Please note that there will be a 90-day waiting period for "Annual core health check-up and optional health check items" in the first policy year of the Wellness Plan, with no waiting period for subsequent renewals.
BowtiePoint will only be valid for one year from the effective date of the wellness package insurance policy and cannot be accumulated for use.Unused BowtiePoint cannot be converted into cash, transferred, or accumulated for the next policy year. Upon renewal, the BowtiePoints available for use within the package will be reset to 1500 BowtiePoint.
No. The "Health Check-ups / Selected Health Services" or BowtiePoint under the Wellness Plan are exclusively for the insured persons under that Wellness Plan insurance policy.
No. We do not accept requests for return or exchange of health services.
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