Bowtie Accident Insurance covers medical expenses for injuries incurred from accidents, no matter how major or minor they are.
Outpatient (wound cleansing, stitches, etc.), Physiotherapy, Chiropractic and Chinese bone-setting treatments
MRI scans, Inpatient treatments, Surgery fees and up to $420k annual medical protection
Including Sports coaches, Disciplinary force, Professional drivers and more
Accidents are common among children and they are more prone to falls, burns, impacts, animal bites and more. Bowtie Accident Insurance can provide protection for your children from age 2 and up.
Unlike traditional accident insurance that typically reject high-risk professions, Bowtie Accident Insurance covers 700+ occupations and even offers protection for medical expenses that result from accidents at work.
People who play ball games, go hiking, running, cycling or play sports are more prone to injuries caused by accidents. From abrasions or sprains to fractures and joint injuries, Bowtie Accident Insurance will cover your medical expenses with up to $420k benefit limit.
Coverage
Treatment due to injury or accident
Payable for the actual expenses for Medically Necessary treatments which are incurred within 12 month of the date of the Accident. Medical treatments covered include:
- Physiotherapy, chiropractic and Chinese bone-setting treatments (as Outpatient)
- Outpatient treatments; and
- Inpatient treatments and Day Case Procedures, with benefit categories similar to hospital indemnity insurance plans
Area
Worldwide
Exception: Psychiatric treatment in Hong Kong only
Claim method
Reimbursement
We will reimburse the expenses incurred up to the benefit limit according to the benefit items listed in the table
Same Eligible Expenses item will only be reimbursable under one benefit item
If the Insured Person is entitled to a reimbursement of all or part of such expenses from other sources, we will only be liable for an amount recovered from such other sources
Benefit limit
Limit 1: Each benefit item has individual benefit limit as listed in the table below
Limit 2: HK $420,000 per Policy Year
Benefit limit (in HKD)
For Injuries that involve bone fracture:
- 6 visits per Accident causing the injury
- $500 per visit
- 1 visit per day
For Injuries that involve no bone fracture:
- 4 visits per Accident causing injury
- $250 per visit
- 1 visit per day
8 visits per Policy Year (including visits for either of the above two types of Injuries)
$5,000 per Policy Year
- Consultation and Medication: $580 per visit
$750 per day; 180 days per Policy Year
$750 per day；180 days per Policy Year
$3,500 per day；25 days per Policy Year
$14,000 per Policy Year
$4,300 per Policy Year
Per surgery, subject to the surgical category in the Schedule of Surgical procedures:
- Complex - $50,000 per Surgery
- Major - $25,000 per Surgery
- Intermediate - $12,500 per Surgery
- Minor - $5,000 per Surgery
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum Anaesthetist’s fee to be reimbursed will be: $10,000 × 35% ＝ $3,500
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum operating theatre charges to be reimbursed will be: $10,000 × 35% ＝ $3,500
Subject to Your Contribution of 30% of the charges If you had a PET-MRI scan which cost $15,000, Your Contribution will be: $15,000 × 30% ＝ $4,500; The maximum charge to be reimbursed will be: $15,000 × 70% ＝ $10,500 o $20,000 per Policy Year If you had a second PET-MRI scan within the same Policy Year which again cost $15,000, the maximum reimbursement will be up to the remaining Policy Year benefit limit: $20,000 – $10,500 = $9,500
$30,000 per Policy Year
$15,000
Except for the compassionate death benefit, no payment will be made under the Plan fo rexpenses caused directly or indirectly, wholly or partly by any of the following:
If the Insured Person commits suicide, whether he/she is sane or insane, within one year of the Policy Issuance Date, our liability will be limited to a refund of the premiums paid. The above paragraphs are for reference only.
You should refer to the “Part 3: What is not covered” section in the terms and conditions of this plan for the complete list and details of exclusions.
Items listed for reference only. Please refer to the below attached document for details.
It depends on your needs. All Bowtie VHIS can cover eligible medical expenses for hospitalization or surgery due to accidental injuries. The Flexi Plan and Bowtie Pink even have Accident emergency outpatient treatments that cover treatment costs at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident. While Bowtie's medical insurance plan covers hospitalization and surgery costs from accidents, it also provides coverage for outpatient treatments, physiotherapy, chiropractic, and tui na massage treatments arising from accidental injuries.
Plan Comparison
| VHIS - Standard | VHIS - Flexi | Bowtie Pink | Touch Wood Protector | |
| Coverage status / Illness | Any accident or illness* | Any accident or illness* | Any accident or illness* | Any accident* |
| Basic Coverage Limit | HK$420,000/ /year, with no lifetime limit. | Regular Plan: $600,000 /year, with no lifetime limit. Plus Plan: $1,000,000 /year, with no lifetime limit. |
Ward Plan: $8 million per year; $40 million per lifetime Semi-private Plan: $10 million per year; $50 million per lifetime Private Plan: $20 million per year; $80 million per lifetime |
HK$420,000/ /year, with no lifetime limit. |
| Accident Outpatient | ✅ Treatment at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident | ✅ Treatment at hospital outpatient departments or emergency rooms within 24 hours of the relevant accident | ✅ | |
| Physiotherapy, Chiropractic, and Tui Na Massage Treatments | ✅ | |||
| Hospitalization / Surgery Treatments | ✅ | ✅ | ✅ | ✅ |
| Territorial Scope of Cover | Worldwide except Psychiatric Treatment |
Worldwide except Psychiatric Treatment, Rehabilitation Therapy, and Medical Negligence Coverage |
Worldwide except the US, hospitals that are out of the List of Designated Hospitals in Mainland China and Psychiatric Treatment |
Worldwide except Psychiatric Treatment |
For benefit details, please refer to the product website and policy Terms and Conditions.
*Except General Exclusion
No. Touch Wood Protector does not have room class restrictions or compensation adjustment factors. In other words, whether you stay in a general ward, semi-private room, or private room, you can be reimbursed 100% up to the plan's coverage limits.
Please note: The benefit limits of Touchwood Protector are determined based on the charges for a general ward. Semi-private and private rooms are more expensive than general wards, so if you stay in a semi-private or private room, the reimbursement rate may be lower compared to staying in a general ward.
Premium is determined based on your age, gender and occupation. You can visit product website and clicks “Apply now” to get the instant quotation.
Rest assured, you do not need to provide personal information like credit card or phone number to get an instant approval result.
There are various types of accident insurance. Some offer accidental death benefit or permanent disability benefit only. Some provide inpatient and other medical treatment protection. Bowtie Accident Insurance covers any medical expenses that result from accidents within a 12-months period. Covered treatments include:
For details of the benefit limit, refer to the Benefit Schedule, Terms and Conditions and Key Risks and Policy Exclusions.
No, You are covered immediately after the policy takes effect. For the benefit details, please refer to the Terms and Condition and Key Risks and Policy Exclusions.
The definition of "Accident" under Touch Wood Protector shall mean a sudden and unforeseen event of violent, accidental, external and visible means which occurs entirely beyond the control of the Insured Person while this Plan is in force.
Yes. Upon the death of the Insured Person, whether due to Accident or natural causes, Touch Wood Protector will provide compassionate death benefits with an amount of HK$15,000 to help the insured's family cope with unexpected financial needs during difficult times.
If you are looking for a higher death benefit amount, we recommend that you consider purchasing Bowtie Term Life additionally.
Bowtie Touchwood Protector provides protection for medical expenses for injuries that result from accidents. In the event of an accident and you require medical treatments, you can claim the medical expenses incurred within the 12-months period in the form of reimbursement.
Covered treatments include:
For details of the benefit limit, refer to the Benefit Schedule and Policy Terms and Conditions.
Yes, The plan provides worldwide coverage with the exception of psychiatric treatment. The psychiatric treatment benefit under Touchwood Protector is only applicable within Hong Kong.
Please note that both the Policyholder and the Insured Persons must reside in Hong Kong at the time of application. The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently. (except for places of residence affected by sanctions or war).An extra loading might be applied to reflect the higher risks of the relocated countries. If you do not accept the premium adjustment, you can choose not to renew your policy. If the Insured Persons go out of town for travel, studying abroad or work temporarily, No extra premium loading will be applied to policies.
The Policyholder and the Insured Persons should contact Bowtie for any address/location updates. For any enquiries, please contact our customer service team at 3008 8123.
Yes, we will assess whether to accept your application and determine the premium based on your occupation. If your occupation or job duties change after after the policy is effective, please notify us as soon as possible.
Bowtie's medical plan covers over 700 occupations, including high-risk jobs like sports coaches and disciplinary forces. You can visit the product website and click "Get a Quote" to check if your occupation is covered.
No, You simply need to go to Touch Wood Protector’s website, click "Apply now", and follow the instructions to provide your age, gender, occupation, personal information, and other details to enroll the plan.
Yes. Bowtie Touch Wood Protector accepts applications from individuals who have recovered from COVID-19, are currently suffering from COVID-19, or have tested positive for the virus. In addition, Bowtie’s Touchwood Protector only covers medical expenses resulting from accidents, so it only requires an assessment of occupational risk. The insured person's medical condition will not affect the underwriting outcome of this product.
Yes, The issue age of Touch Wood Protector is between 2 and 55 years old. The plan can be renewed annually up to age 60 (not guaranteed).
Remarks:
1. You can also find out the premiums for the next five years for reference.
2. You can take a photo of your HKID or upload your ID as a file. If you are unable to upload your ID currently, you can upload it later.
3. If you do not have a valid credit card, please contact our customer service.
*Terms and Conditions apply
* The information is for reference only. For benefit limit details, refer to the Policy Terms and Conditions.
Bowtie Life Insurance Company Limited is a limited liability company incorporated in Hong Kong.
Bowtie Accident Insurance Touchwood Protector is underwritten by our company and is intended for sale in Hong Kong only.
The above is for reference only. For detailed terms and conditions of the product, please refer to the policy.
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