針對「新冠肺炎」自願醫保額外保障

你需要重新申報你的健康狀況作核保，假若申報的健康狀況對保單的風險評估有影響，保單或有可能需要附加不保事項或作保費調整，甚至會被取消保單。

保險業監管局 – 處理與保險公司及保險中介人一般操守相關的事宜；及
保泰保險 – 投保人可以書面或致電客戶服務熱線3008 8123查詢或投訴。

所有涉及身故的索償均必須立即通知Bowtie，而其他索償則必須在受保事件發生後90日內提交所需的證明文件、表格及資料。若你無法在上述時間內向Bowtie提出索償，請致電我們的客戶服務熱線3008 8123，或電郵至cs@bowtie.com.hk以作出安排。

每年的續保保費會按年齡調整。Bowtie不會因為你的索償次數或索償金額，或你的健康情況，個別上調你的保費。此外，戰癌保保證終身續保，我們亦不會因為你的索償紀錄或健康情況而拒絕你的續保要求。

戰癌保的保障範圍並不限於住院及其衍生的相關費用。
確診檢查、監察檢查、日間手術、積極治療、紓緩治療、藥物費用等亦屬戰癌保的保障範圍之內。

Bowtie著重客戶服務體驗，保單持有人只須透過手機或電腦，即可於我們的網上平台進行賠償估算或申請索償。每個個案，Bowtie將委派索償專員跟進，協助你遞交索償申請及提供索償進度查詢。過程中如有任何問題，你亦可致電我們的客戶服務熱線3008 8123，或電郵至cs@bowtie.com.hk作出查詢。

跟傳統保險公司一樣，Bowtie設有客戶服務中心、熱線、電郵及即時線上查詢，協助客戶投保、索償估算及協助索償服務。

你可隨時致電客戶服務熱線3008 8123, 或電郵至cs@bowtie.com.hk，我們會認真看待你的意見，並盡快作出跟進。如有需要，你可預約或直接親臨我們的客戶服務中心，我們專業的團隊將為你服務。

你可自由決定先向哪間保險公司申請索償。如有需要向多於一間保險公司申請索償，除了基本文件外，你只需額外遞交由第一間保險公司發出的賠償細明表及醫療收據正本(或核實副本)到第二間保險公司作審批便可。

Just like traditional insurance companies, Bowtie has a customer service centre, hotline, email and real-time online enquiry to assist customers with insurance applications, claim estimation and claims assistance.

You can call our customer service hotline at 3008 8123, or email cs@bowtie.com.hk. We take customer feedback seriously and will follow up with you as soon as possible. If you need, you can make an appointment or visit our customer service centre in person, our professional team will be at your service.

You are free to decide which insurance company to apply for the claim first. If you need to apply for compensation from more than one insurance company, in addition to the basic documents, you only need to submit the original (or verified copy) of the compensation statement and medical receipt issued by the first insurance company to the second insurance company for approval.

Insurance Authority- handles matters related to the general conduct of insurance companies and insurance intermediaries; and Bowtie LifeInsurance Company - policyholders may write or call the customer service hotline 3008 8123 for any inquiries or complaints.

The coverage of Bowtie’s Cancer Fighter Insurance Plan is not limited to hospitalisation and its related expenses.

Confirmation inspection, surveillance inspection, day surgery, active treatment, palliative treatment, drug costs, etc. are also covered by Bowtie’s Cancer Fighter Insurance Plan.

All claims involving death must be notified to Bowtie immediately, while other claims must submit the required supporting documents, forms and information within 90 days of the insured event. If you cannot file a claim with Bowtie within the above-mentioned time, please call our customer service hotline 3008 8123, or email cs@bowtie.com.hk to make arrangements.

You need to re-declare your health status for underwriting. If the declared health status affects the risk assessment of the policy, the policy may require additional exclusions or premium adjustments, or even cancel the policy.

Customer service experience is highly valued at Bowtie. Policyholders only need to use a mobile phone or computer to estimate compensation or apply for compensation on our online platform. For each case, Bowtie will appoint a claim specialist to follow up, assist you in submitting a claim application and provide a claim progress inquiry. If you have any questions during the process, you can also call our customer service hotline 3008 8123, or email cs@bowtie.com.hk for enquiries.

Annual renewal premiums are adjusted based on age, and Bowtie will not increase your premiums based on the number or amount of claims you make, or your medical condition. Bowtie’s Cancer Fighter Insurance Plan guarantees lifetime renewal, and we will not reject your renewal request because of your claim history or health conditions.