Bowtie Civil Servants Insurance

Supplement No. 1-3

Premium Schedule – Bowtie Pink (Ward)

Premium Schedule – Bowtie Pink (Semi-private)

Premium Schedule – Bowtie Pink (Private)

Benefit Schedule
Ward

Benefit Schedule
Semi-Private

Benefit Schedule
Private

HK$0 Deductible

HK$20K Deductible

HK$50K Deductible

Important product information

Product category

Voluntary Health Insurance Scheme (VHIS) Flexi Plan – Inpatient medical reimbursement plan certified by the Health Bureau

Issue age

From 15 days to age 80
‍
Please note that the insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after the insurance application.

Health questionnaire
Resting electrocardiogram
Urinalysis
Blood tests include: i) liver function test, ii) kidney function test, iii) complete blood count, iv) lipid (cholesterol), v) fasting blood glucose, vi) glycosylated hemoglobin and vii) hepatitis B surface antigen

Period of cover

1 year (lifetime guaranteed annual renewal)

Territorial scope of cover

Worldwide (except the US and hospitals that are out of the List of Designated Hospitals in Mainland China)

Except psychiatric treatment

Waiting period

N/A

There is a waiting period for pre-existing conditions. For details, please refer to the policy provision and key risks.

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 Health Bureau.

Cooling-off period

21 days

Within the cooling-off period, you may cancel the plan and receive a full refund of the premium.

Policy cancellation

You may request cancellation of the plan by giving at least 30 days prior notice.

Tax deduction

Taxpayers who purchase any Certified Plan of VHIS for him/herself or any specified family members are eligible for tax deductions. For details https://www.vhis.gov.hk/en/consumer_corner/tax-deduction.htm

List of Designated Hospitals in Mainland China

北京和睦家醫院
北京和睦家康復醫院
廣州和睦家醫院
青島和睦家醫院
上海和睦家醫院上海和睦家新城醫院 (浦東)
天津和睦家醫院
和睦家京北婦兒醫院
上海新瑞醫療中心
上海瑞鷹門診部
上海瑞新醫療中心
上海瑞浦門診部
上海瑞祥門診部
北京明德醫院
北京新世紀國際兒童醫院
上海和德門診

Download list (PDF)

If the claim involves confinement in a Mainland China Hospital unlisted in the "List of Designated Hospitals in Mainland China" / confinement in a room higher than the restricted ward class / a pre-existing condition, the relevant benefit payable may be adjusted.

Key exclusions

Under this plan, Bowtie will not pay any benefit in relation to or arising from the following:

Treatments, procedures, medications, tests or services which are not Medically Necessary;
Confinement solely for the purpose of diagnostic procedures or allied health services, unless such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time eat which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, 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 transmitted disease or its sequelae;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured 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 or contact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
Experimental or unproven medical technology or procedure in accordance with the common standard, 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 Person attained 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; or
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 theTerms and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS registration info

Name of VHIS certified plan:
Bowtie Pink VHIS Plan
Available for new application
F00060-09-000-03 (Ward room - Deductible HK$0)
F00060-10-000-03 (Ward room - Deductible HK$20,000)
F00060-11-000-03 (Ward room - Deductible HK$50,000)
F00060-12-000-03 (Ward room - Deductible HK$80,000)
F00060-01-000-06 (Semi-Private room - Deductible HK$0)
F00060-02-000-06 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-06 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-06 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-06 (Private room - Deductible HK$0)
F00060-06-000-06 (Private room - Deductible HK$20,000)
F00060-07-000-06 (Private room - Deductible HK$50,000)
F00060-08-000-06 (Private room - Deductible HK$80,000)
Not available for new application
F00060-09-000-02 (Ward room - Deductible HK$0)
F00060-10-000-02 (Ward room - Deductible HK$20,000)
F00060-11-000-02 (Ward room - Deductible HK$50,000)
F00060-12-000-02 (Ward room - Deductible HK$80,000)
F00060-01-000-05 (Semi-Private room - Deductible HK$0)
F00060-02-000-05 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-05 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-05 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-05 (Private room - Deductible HK$0)
F00060-06-000-05 (Private room - Deductible HK$20,000)
F00060-07-000-05 (Private room - Deductible HK$50,000)
F00060-08-000-05 (Private room - Deductible HK$80,000)
F00060-09-000-01 (Ward room - Deductible HK$0)
F00060-10-000-01 (Ward room - Deductible HK$20,000)
F00060-11-000-01 (Ward room - Deductible HK$50,000)
F00060-12-000-01 (Ward room - Deductible HK$80,000)
F00060-01-000-04 (Semi-Private room - Deductible HK$0)
F00060-02-000-04 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-04 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-04 (Semi-Private room - Deductible HK$80,000)
F00060-01-000-03 (Semi-Private room - Deductible HK$0)
F00060-02-000-03 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-03 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-03 (Semi-Private room - Deductible HK$80,000)
F00060-01-000-02 (Semi-Private room - Deductible HK$0)
F00060-02-000-02 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-02 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-02 (Semi-Private room - Deductible HK$80,000)
F00060-01-000-01 (Semi-Private room - Deductible HK$0)
F00060-02-000-01 (Semi-Private room - Deductible HK$20,000)
F00060-03-000-01 (Semi-Private room - Deductible HK$50,000)
F00060-04-000-01 (Semi-Private room - Deductible HK$80,000)
F00060-05-000-03 (Private room - Deductible HK$0)
F00060-06-000-03 (Private room - Deductible HK$20,000)
F00060-07-000-03 (Private room - Deductible HK$50,000)
F00060-08-000-03 (Private room - Deductible HK$80,000)
F00060-05-000-02 (Private room - Deductible HK$0)
F00060-06-000-02 (Private room - Deductible HK$20,000)
F00060-07-000-02 (Private room - Deductible HK$50,000)
F00060-08-000-02 (Private room - Deductible HK$80,000)
F00060-05-000-01 (Private room - Deductible HK$0)
F00060-06-000-01 (Private room - Deductible HK$20,000)
F00060-07-000-01 (Private room - Deductible HK$50,000)
F00060-08-000-01 (Private room - Deductible HK$80,000)
HIS provider registration no.
00023
Registration effective date:
21 March 2019

The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.

Product Information

Eligible for persons aged 15 days to age 80

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

Premium Schedule-Flexi Regular

Premium Schedule-Flexi Plus

Supplement No. 1-3

Flexi Regular - Benefit Schedule

Benefit Schedules

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.

Premium Schedule—Standard

Product Information

Eligible for persons aged 15 days to age 80

Covers

unknown pre-existing conditions are 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.

unknown pre-existing conditions

congenital conditions include congenital diseases that onset or diagnose at 8 years of age or later

and congenital diseases

In the second and third years after the policy comes into effect, partial protection is provided for "unknown pre-existing conditions", with reimbursement of 25% and 50% respectively, and full reimbursement is provided in the fourth year.
Please refer to the policy terms and conditions for details.

No waiting period

Excluding Unknown Pre-existing Conditions, enjoy 100% reimbursement starting from the second policy year.

Qualifying premiums of up to HK$8,000 paid under VHIS per year is eligible for Tax Deduction

Guaranteed annual renewal up to age 100

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

Supplement No. 1-3

Standard - Benefit Schedule

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 such procedure or service is recommended by a Registered Medical Practitioner for Medically Necessary investigation or treatment of a Disability which cannot be effectively performed in a setting for providing Medical Services to a Day Patient;
Treatment of Human Immunodeficiency Virus (“HIV”) and its related disability, which is contracted or occurs before the Policy Effective Date. If evidence of proof as to the time at which such Disability is first contracted or occurs is not available, manifestation of such Disability within the first 5 years after the Policy Effective Date shall be presumed to be contracted or occur before the Policy Effective Date (except cases where HIV and its related disability is caused by sexual assault, medical assistance, 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 transmitted disease or its sequelae;
Beautification or cosmetic purposes, unless necessitated by injury caused by an Accident and the Insured 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 or contact lens;
Prophylactic treatment or preventive care (except treatments, monitoring, investigation or procedures with the purpose of avoiding complications, removal of pre-malignant conditions, and prevention of recurrence of complication);
Dental treatment and oral and maxillofacial procedures performed by a dentist (except for emergency treatment and surgery during Confinement arising from an Accident);
Medical Services and counselling services relating to maternity conditions and its complications or sexual dysfunction;
Purchase of durable medical equipment or appliances;
Traditional Chinese medicine treatment;
Experimental or unproven medical technology or procedure in accordance with the common standard, 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 Person attained 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 and Conditions of this plan for the complete list and details of exclusions.

Bowtie VHIS Registration Information

Name of VHIS certified plan :
Bowtie VHIS Standard
VHIS certification number：
Available for new application
S00023-01-000-03
Not available for new applications
00023-01-000-02
S00023-01-000-01
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.

Who will look after your loved ones if you get a serious illness or pass away?

比較計劃 →賠償率比較 →

Bowtie Critical Illness

Receive a lump-sum payment upon diagnosis of a critical illness

Highest coverage includes:

early stage Critical Illness (e.g. carcinoma-in-situ and angioplasty surgeries)

Serious critical illness⁸(e.g. Cancers, Heart attacks and Strokes）

Max 5 major illness claims, total up to 600% of insured amount

Details / Quote

Bowtie Term Life Insurance

A lump-sum payout to your family upon your passing.

Highest online coverage limit up to $20 million⁹

Market-exclusive “Last Wish Rider”：$300,000 lump-sum pay upon terminal illness diagnosis¹⁰

Unmarried couples and same-sex spouses are covered

Details / Quote

Bowtie Critical Illness Insurance and Bowtie Life Insurance are not part of the Voluntary Medical Insurance Scheme. Exclusive promotions do not apply to these products. For details, please refer to the full terms and conditions of the offer.

Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures

Benefit Table

Plan Coverage

Recommended

Term CI - Early Stage and Multiple Cover

Term CI - Multiple Cover

Term CI

Maximum no. of claims

Early stage critical illnesses: 5 times
Major critical illnesses: 5 times

Maximum no. of claims

Major critical illnesses: 5 times

Maximum no. of claims

Major critical illnesses: 1 time

Each claim payout

(% of sum insured)

Each claim payout is equivalent to a % of sum insured

Early Stage CI：20% of the sum insured¹³^‍Major CI：100% of the sum insured

Each claim payout is equivalent to a % of sum insured

Major critical illnesses: 100%

Each claim payout is equivalent to a % of sum insured

Major critical illnesses: 100%

Early Stage CI Benefit

Covers carcinoma-in-situ, early stage malignancy and “angioplasty”

Early Stage CI Benefit

Coverage

4 Early stage CI 
+ 42 Major CI
 + 4 “supplementary coverages”

Coverage

42 Major CI  
+ 4 “supplementary coverages”

Coverage

42 Major CI  
+ 4 “supplementary coverages”

Compassionate Death Benefit

Payable when the CI benefit has neither become payable nor been paid.

Compassionate Death Benefit

5% of Sum Insured

Compassionate Death Benefit

5% of Sum Insured

Compassionate Death Benefit

5% of Sum Insured

Survival period

Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions.

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Level Up!

Survival period¹¹

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Level Up!

Survival period¹¹



Level Up!

Survival period¹¹

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Remarks：When the insured person reaches the renewal age of 85, Bowtie will make contact with the policyholder through online platform or email. With the confirmation of the policyholder, Bowtie will switch the "Term CI Multiple Cover" and "Term CI Early Stage and Multiple Cover" to "Term CI" , the policy will automatically be renewed from age 86 to 100 then:

- The multiple CI cover and early-stage CI cover will end on the plan anniversary immediately following the 85^th birthday.
- Supplementary Coverages of “Total Permanent Disability” and “Loss of Independent Existence” will end on the plan anniversary immediately following the 65^thbirthday.
- Supplementary Coverages of “Major Medical Treatment” will end on the plan anniversary immediately following the 69th birthday.　

If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured. For example, a man purchases $1 million Bowtie Term CI at the age of 18, renews it till the age of 82, and then suffers from critical illnesses unfortunately at the age of 82. The total paid premium may exceed $1 million.

Product Documents

Bowtie Term CI series

Premium Calculator (Excel)

suitable for desktop download

new

Bowtie Term Critical Illness

Premium Schedule - Bowtie Term CI

Bowtie Term Critical Illness
Multiple Cover

Premium Schedule - Bowtie Term CI (Multiple Cover)

Bowtie Term Critical Illness
Early Stage and Multiple Cover

Premium Schedule - Bowtie Term CI - Early Stage and Multiple Cover

Important Product Information

Product Category

All Bowtie critical illness products are Term Critical Illness Products. They are pure critical illness protection plans without any savings component. If the insured person is diagnosed with any major critical illnesses or early-stage critical illnesses covered under the plan, we will pay out a lump sum of the sum insured. The use of this payout is unlimited.

Issue age

15 days – age 65

Minimum Sum Insured

HK$100,000

Maximum Sum Insured

HK$4,000,000 (Issue age: 15 days - 45 years old)

HK$2,500,000 (Issue age: 46 - 60 years old)

HK$1,500,000 (Issue age: 61 - 65 years old)

Once your policy is in force, your sum insured will remain unchanged. For example, if you bought a sum insured of $4,000,000 before the age of 45. Your sum insured remains $4,000,000 even when you reach the age of 85 or above .If you wish to change your sum insured, you can make the request on Bowtie’s online platform at least 30 working days before the next renewal date.

Compassionate Death Benefit

5% of the sum insured

Payable to the Beneficiary when the Insured Person dies.
This benefit is only payable when the Critical Illness Benefit has neither become payable nor been paid.

Period of Cover

1 year – Guaranteed annual renewal up to age 100
When the insured person reaches the renewal age of 85, Bowtie will make contact with the policyholder. With the confirmation of the policyholder, Bowtie will switch the "Term CI Multiple Cover" and "Term CI Early Stage and Multiple Cover" to "Term CI" , the policy will automatically be renewed from age 86 to 100 then:

The multiple CI cover and early-stage CI cover will end on the plan anniversary immediately following the 85^th birthday.
Supplementary Coverages of “Total Permanent Disability” and “Loss of Independent Existence” will end on the plan anniversary immediately following the 65^thbirthday.
Supplementary Coverages of “Major Medical Treatment” will end on the plan anniversary immediately following the 69^th birthday.

If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured. For example, a man purchases $1 million Bowtie Term CI, renews it till the age of 82, and then suffers from critical illnesses unfortunately at the age of 82. The total paid premium may exceed $1 million.

Waiting period

Applicable to Bowtie Critical Illness Series : 90 Days
‍Any illnesses diagnosed or symptoms manifested within the 90-day waiting period from the policy effective date will not be covered.

Applicable to Bowtie Term CI Multiple Cover and Bowtie Term CI Early Stage and Multiple Cover only - Multiple Cover Benefit Waiting Period : 2 years

‍For Multiple Cover Benefit, no benefit will be paid for any subsequent Major Critical Illness diagnosed (except for Subsequent Cancer) or Major Surgical Procedure performed within 2 years from the date of diagnosis of the preceding Major Critical Illness or the performance of the preceding Major Surgical Procedure which is payable under this Plan.

Applicable to Bowtie Term CI Early Stage and Multiple Cover only - Early Stage Critical Illness Benefit Waiting Period : 2 years
‍For Early Stage Critical Illness Benefit, no benefit will be paid for any subsequent Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed within the Early Stage Critical Illness Benefit Waiting Period, i.e. two (2) years from the date of diagnosis of the preceding Early Stage Critical Illness or the performance of the preceding Early Stage Critical Illness Surgical Procedure which is payable under this Plan.

Survival Period

None

The Insured Person must be alive on the date that the definition of Major Critical Illness, subsequent Major Critical Illness or Early Stage Critical Illness (as defined in the Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures) is satisfied, and the medical evidence to reach such diagnosis is issued when the Insured Person is alive. No medical test or examination concluded after the Insured Person’s death will be considered in evaluating a claim.

Our critical illness protection products are designed to assist in covering your loss of income and additional expenses during an occurrence of an early stage critical illness or major critical illness. This plan is not intended to overlap or serve as a substitute for life insurance.

Additional requirements for Multiple Cover Benefit

(Applicable to Bowtie Term CI Multiple Cover and Bowtie Term CI Early Stage and Multiple Cover only)

For Multiple Cover Benefit, the below critical illnesses shall fulfill additional requirement:

Cancer:

A subsequent Cancer following any preceding Cancer claim(s) that we have paid, is:
(i) any Cancer that has reappeared, metastasised, continued without remission, or a new primary Cancer, that is diagnosed after your preceding Cancer claim;
(ii) the Cancer exists at, or after the end of the Multiple Cover Benefit Waiting Period; and
(iii) the Insured Person has received Active Treatment in the 12 months immediately prior if the subsequent Cancer is reappeared, metastasised or continued without remission.
‍Active treatment refers to any cancer directed surgery, radiotherapy, cytotoxic chemotherapy, targeted therapy or immunotherapy. It does not include any treatment given solely as palliative care or hormonal therapy.

Heart Attack:

A subsequent Heart Attack following any preceding Heart Attack claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing diagnosis of a new event (e.g. a newly diagnosed death of a portion of heart muscle).

Stroke:

A subsequent Stroke following any preceding Stroke claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing diagnosis of a new event and of new or increased neurological functional impairment (e.g. a newly diagnosed cerebrovascular accident or incident).
Brain-related symptoms caused by migraines are not eligible for stroke claims.

Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease:

If any benefit has already been paid for Heart Attack, we will not pay a Multiple Cover Benefit for any Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease.

This coverage will end on the plan anniversary immediately following the 85^thbirthday.

Additional requirements for Early Stage Critical Illness Benefit

(Applicable to Bowtie Term Critical Illness - Early Stage and Multiple Cover only)

For Early Stage Critical Illness Benefit, the below early stage critical illnesses shall fulfill additional requirement:

Carcinoma-in-situ:

Up to 2 claims - to be eligible for the second claim, the carcinoma-in-situ must occur in a specific organ different from the organ in the first claim.

Angioplasty, Atherectomy or Minimally Invasive Direct Coronary Artery Bypass Grafting for Coronary Arteries:

Up to 2 claims - to be eligible for the second claim, the treatment must be performed on a location of stenosis in a major coronary artery where no stenosis of greater than 50% was identified in the medical examination relating to the first claim.

Other early stage critical illnesses:

Maximum 1 claim

This coverage will end on the plan anniversary immediately following the 85^th birthday.

Cooling-off Period

21 days

You may cancel the Plan and receive a full refund of premiums within the cooling-off period

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.

Policy Cancellation

Make the request on Bowtie’s online platform at least 30 working days before the next renewal date

Tax Deduction

Not applicable

Exclusions

No benefit will be payable under the Plan for Major Critical Illness, Major Surgical Procedure, Early Stage Critical Illness, Early Stage Critical Illness Surgical Procedure or death caused directly or indirectly, wholly or partly, by any of the following events; and/or in the following circumstances:

Waiting period: the Insured Person dies or suffers from any illness, the sign(s) and/or symptom(s) of, or undergoes a surgery, the cause(s) and/or condition(s) which, have been manifested within ninety (90) days following the Policy Effective Date (except for an illness or surgery caused directly by an Accident and diagnosed within ninety (90) days from the date of the Accident);
Pre-existing condition(s);
HIV and AIDS: any illness, disease, ptomaines or infection (except infection which directly results from an accidental cut or wound). This includes infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof, except for (1) AIDS/HIV due to Blood Transfusion or (2) Occupationally Acquired HIV (as defined in the Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures);
Drugs, suicide and illegal activities: (i) dependence, overdose or influence of drugs, alcohol, narcotics or similar substances or agents; (ii) intentional self-inflicted injuries; (iii) attempted suicide or threatened suicide, while sane or insane; (iv) illegal activity; or (v) violation or attempted violation of the law, or resistance to arrest;
Armed forces: participation in any armed force or peace-keeping activities;
Nuclear, biological, and chemical activities: nuclear, biological, and chemical related activities. This includes, but is not limited to, nuclear fission, nuclear fusion, ionising radiation or contamination by radioactivity from any nuclear fuel, nuclear waste resulting from combustion of nuclear fuels or nuclear weapons, or any act of nuclear, chemical or biological terrorism, including but not limited to the use of nuclear, biological or chemical weapons and agents; or
War and terrorism: revolutions and war (declared or undeclared), or acts of terrorism.

No Multiple Cover Benefit will be payable in the following circumstances:

the same Major Critical Illness or Major Surgical Procedure for which a Major Critical Illness Benefit or Multiple Cover Benefit has already been paid (except for Heart Attack, Stroke and Cancer);
a Major Critical Illness or Major Surgical Procedure which, in our opinion (as confirmed by a Registered Medical Specialist acceptable to us):
is a complication of;
arises in connection with;
results from; or
is a treatment for
a condition for which a Major Critical Illness Benefit or Multiple Cover Benefit has already been paid (except for Subsequent Cancer);
any Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease, if Major Critical Illness Benefit or Multiple Cover Benefit has already been paid for Heart Attack;
any Major Critical Illness diagnosed (except for Subsequent Cancer) or Major Surgical Procedure performed during the Multiple Cover Benefit Waiting Period;
any Major Critical Illness diagnosed or Major Critical Illness Surgical Procedure performed, if on the Policy Effective Date or the last Plan Anniversary (if this Plan has been Renewed), the Age of the Insured Person exceeds 85.

No Early Stage Critical Illness Benefit will be payable in the following circumstances:

the same Early Stage Critical Illness or Early Stage Surgical Procedure for which an Early Stage Critical Illness Benefit has already been paid (except for “Carcinoma-in-situ” and “Angioplasty and other Invasive Treatments for Coronary Artery” );
a Major Critical Illness Benefit that has been paid or is payable;
any Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed during the Early Stage Critical Illness Benefit Waiting Period;
any Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed, if on the Policy Effective Date or the last Plan Anniversary (if this Plan has been Renewed), the Age of the Insured Person exceeds 85.

The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.

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