Bowtie VHIS Standard

• 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

• 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.

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

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*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.

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.

• [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.