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While medical reimbursement plans cover the cost of hospitalized medical expenses, most insurance plans have deductibles or set limits for every item, leaving some costs not fully covered and the insured stuck with paying the difference out of pocket.
To ease customers from the burden of having to pay out of pocket, Bowtie, Hong Kong’s first-ever virtual insurer, launched a unique loyalty program called BowtieCash1. This first-of-its-kind loyalty program is complementary to the VHIS plans. Its objective is to provide additional coverage and minimize medical expenses so policyholders pay as little out of pocket as possible.
Created by Bowtie, BowtieCash can be used to pay for eligible medical costs that exceed the policyholder’s insurance plan coverage2. Bowtie VHIS policyholders can earn BowtieCash in various ways. Once the requirements are fulfilled, BowtieCash will be deposited into their Bowtie accounts.
BowtieCash can be used to pay for any eligible medical costs within VHIS coverage such as hospital and surgery fees.
BowtieCash is deposited into the eligible VHIS policyholder's account 31 days after the policy effective date and can be used immediately.
BowtieCash pays for the medical expenses that exceed the VHIS plan so you pay less out of pocket.
It's easy to earn and use BowtieCash. You just need to know how to use it and you can pay less out of pocket or even nothing at all. Here are three examples that show how you can use your BowtieCash.
Insurance Plan: Bowtie VHIS Standard
BowtieCash: $9,000
Joey successfully applied for Bowtie VHIS Standard Plan in July and received $2,000 BowtieCash as a welcome gift. She later earned another $7,000 BowtieCash. Five months later, Joey found a lump in her breasts from a health check-up. She was admitted to Baptist Hospital to have the lump removed. The hospital and surgery fees amounted to $39,988.
Not only did Joey not need to pay a single dollar for her medical procedure and hospital stay, she still had $1,359 BowtieCash remaining in her account.
$801 (1 day)
$9,597
$1,500
$16,000
$6,000
$6,090
Source: Baptist Hospital
* All fees are for reference only. Please check with the hospital for detailed and accurate fees.
$39,988
$39,988
$32,347
$32,347
—
$7,641
$7,641
—
81%
100%
—
$1,359
Insurance Plan: Bowtie VHIS Standard
BowtieCash: $7,000
Bob successfully applied for Bowtie VHIS Standard Plan inJuly and received $2,000 BowtieCash as a welcome gift. He later earned another $5,000 BowtieCash. A year later, Bob was diagnosed with gastritis and duodenitis and he was admitted into St. Teresa’s Hospital for surgery. The hospital and medical costs amounted to $39,337.
$1,209 (2 days)
$11,804
$1,600
$14,000
$4,600
$5,624
$500
Source: St. Teresa's Hospital
* All fees are for reference only. Please check with the hospital for detailed and accurate fees.
$39,337
$39,337
$36,263
$36,263
—
$3,074
$3,074
—
92%
100%
—
$3,926
After discharge from the hospital, the doctor advised Bob to get an MRI scan which costs $9,600*. 70% of the MRI scan was covered by Bowtie VHIS Standard Plan but the remaining 30% should be paid by the policyholder.
Thanks to BowtieCash, Bob didn’t need to pay anything at all. After paying for the MRI with the remaining BowtieCash of $3,926, Bob still had $1,046 BowtieCash left to spend.
$9,600
$9,600
$6,720
$6,720
—
$2,880
$2,880
—
70%
100%
—
$1,046
Source: St. Teresa's Hospital
* All fees are for reference only. Please check with the hospital for detailed and accurate fees.
Insurance Plan: Bowtie VHIS Standard
BowtieCash: $5,000
Andy successfully applied for Bowtie VHIS Standard Plan in July and received $2,000 BowtieCash as a welcome gift. He later earned another $3,000 BowtieCash. One month later, he was diagnosed with bronchitis and he was admitted into Adventist Hospital for treatment. The hospital and medical expenses amounted to $23,784.
After reimbursements from his VHIS plan, there was an outstanding $5,284 to be paid by Andy. Thanks to BowtieCash, he only had to pay $284 out of his own pocket.
$3,582 (3 days)
$16,402
$3,800
Source: Adventist Hospital
* All fees are for reference only. Please check with the hospital for detailed and accurate fees.
$23,784
$23,784
$18,500
$18,500
—
$5,000
$5,284
$284
78%
99%
BowtieCash is Bowtie’s unique loyalty and rewards program.Its objective is to help Bowtie VHIS plan policyholders pay for eligible medical costs that exceed the VHIS plan coverage.
BowtieCash can be used to pay for medical costs that exceed the VHIS plan coverage. For details, please refer to the terms and conditions of the BowtieCash program.
Yes. BowtieCash expires when any of the following occurs:
(i) five years after the day BowtieCash was awarded;
(ii) the Insured Person reaches age 65;
(iii) the day when the VHIS policy to which the BowtieCash is related is terminated.
The maximum limit of BowtieCash is $100,000 per policyholder.
Bowtie VHIS plan policyholders can check their BowtieCash balance by signing into their Bowtie accounts.
No. BowtieCash can be used for paying eligible medical costs that exceed VHIS plan coverage only.
No. BowtieCash can be used by the Bowtie VHIS plan policyholder only.
Yes. You may first file a claim with other insurance policies and then file a claim with Bowtie VHIS. Any remainder eligible amounts can be paid by BowtieCash, provided you have sufficient BowtieCash in your account to cover it.
If you file a claim with Bowtie VHIS first, any eligible amounts that exceed the VHIS coverage will be paid by your BowtieCash. And then if there are any remaining amounts after deducting from your BowtieCash, you may file a claim with your other medical policies.
BowtieCash welcome gift will automatically be deposited into your Bowtie VHIS plan account and once deposited, you will receive a notification email.
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