Bowtie VHIS - Wellness Package
Bowtie x Designated Hospital
Exclusive Health and Claims Support
Say GoodBye to Cumbersome Procedures
*Applicable to Flexi and Bowtie Pink only

If You Are…

Not sure which type of body check is the right one for you?
Worried about dealing with claims documents?
Unfamiliar with treatment/ hospitalization procedures?
Not sure which type of body check is the right one for you?

Let the Professionals Handle the Things
That You Are Unfamiliar With

Existing health check packages may not be the best option for you!
Yearly Body Check with Optional Check Items Suggested by Doctors
In addition to the annual core health check-up, targeted optional health check items will also be recommended by doctors to cater for your circumstances and potential health risks.
👀 Details of designated Hospitals’ health check Items→
Existing health check packages may not be the best option for you!
Yearly Body Check with Optional Check Items Suggested by Doctors
In addition to the annual core health check-up, targeted optional health check items will also be recommended by doctors to cater for your circumstances and potential health risks.
👀 Details of designated Hospitals’ health check Items →
Wellness Package
Additional 'Optional Health Check Items' can be added as needed on top of the core health check-up.
Wellness Package
Mostly Pre-packaged / Pre-set Medical Packages on the Market
Wellness Package
Mostly Pre-packaged / Pre-set Medical Packages on the Market
Wellness Package
Additional 'Optional Health Check Items' can be added as needed on top of the core health check-up.
Not wanting deal with claim documents in case of hospitalization?
Bowtie Deals with Hospitals Directly
To Give You the Seamless Cashless1 Experience
In case treatment (including surgery) is needed, simply inform the designated hospital about your Wellness Package during pre-surgery medical consultation at the designated hospital. Bowtie will automatically take care of the necessary claim documents for you with the hospital and process the pre-approval of the treatment expenses, allowing hassle-free cashless1 discharge.
Not wanting deal with claim documents in case of hospitalization?
Bowtie Deals with Hospitals Directly
To Give the You Seamless Cashless1 Experience
In case treatment (including surgery) is needed, simply inform the designated hospital about your Wellness Package during pre-surgery medical consultation at the designated hospital. Bowtie will automatically take care of the necessary claim documents for you with the hospital and process the pre-approval of the treatment expenses, allowing hassle-free cashless1 discharge.
Wellness Package
Indicate yourself as a Bowtie customer, and enjoy a seamless discharge process without the need to settle the bills.
Wellness Package
You will need to collect and submit all the claims documents


Wellness Package
You will need to collect and submit all the claims documents
Wellness Package
Indicate yourself as a Bowtie customer, and enjoy a seamless discharge process without the need to settle the bills.
Not sure how much the surgery will cost?

Transparent Pricing for Designated Medical PackagesPlus Enjoying Extra Dual Protection

Covers 7+ specialists and over 200 all-inclusive surgeries/medical procedures
  • including endoscopy, hernia, cataract, and other common surgeries/medical procedures
  • No hidden costs! Package prices cover the costs of all standard items related to the surgery/procedure.
1) Extra $500 Cash Benefit 2
Calculated based on the number of Designated Medical Packages used, with no upper limit on the number of Cash Benefit. Get $500 cash protection every time you use a Designated Medical Packages.
2) Full Reimbursement 3
Applicable to Flexi Plan Customers only. The reimbursement limit is equal to the annual benefit limit of the VHIS plan.
Bowtie Pink plans already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.
Other hospitals are covered too! Treatments at non-designated hospitals or for non-designated medical packages will be reimbursed according to the VHIS Plan coverage details.

Two Hospitals Available 
Match with VHIS

The Wellness Package is available in two versions - GHK and CUHK Medical Centre, both at a flat rate of $200/mo. These Wellness Packages must be purchased together with either a Bowtie VHIS Flexi Plan or Bowtie Pink Plan. For detailed information about the hospital options and VHIS plans, please visit the links below.

Important product information

Product Category
Medical Rider (Not a certified plan under VHIS)
Issue Age
15 days – 80 years old
Period of Cover
1 year – Lifetime annual renewal (non-guaranteed)
Waiting Period
Applicable to new customer of Bowtie VHIS Flex Plan or Bowtie Pink & this Wellness Plan:
  • “Cash Benefit and Full Reimbursement for Designated Medical Packages” : No waiting period
  • "Annual Core Health Check-up and Optional Health Check Items": 90 Days waiting period
Applicable to existing Bowtie VHIS Flexi Plan customers or Bowtie Pink  who add on this medical wellness package after the policy becomes effective:
  • "Cash Benefit and Full Reimbursement for Designated Medical Packages": 180 Days waiting period
  • "Annual Core Health Check-up and Optional Health Check Items": 90 Days waiting period
Exclusions
Same exclusions as the associated VHIS plan (including case-based exclusion)
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.
Cooling-off Period
21 days
Within the cooling-off period, you may cancel the Plan and receive a full refund of premium
Policy Cancellation
You may request cancellation of the Plan by giving us at least 30 days prior notice.
Tax Deduction
Not Applicable

FAQ

Do BowtiePink customers still need to pay the deductible when using Designated Medical Packages after purchasing the Wellness Package as top up?

Yes. BowtiePink customers will still need to pay the relevant deductible even after purchasing the Wellness Package. Please note that since BowtiePink is already designed to fully reimburse the costs of Designated Medical Packages, customers who add the wellness package will receive an additional HK$500 cash benefit when using a Designated Medical Package.

The cash benefit under the wellness package is calculated based on the number of Designated Medical Packages used, with no limit on the number of claims. You will receive HK$500 cash benefit for each use of a Designated Medical Package. This benefit is not constrained by the annual or lifetime benefit limits of your BowtiePink policy.

 

For product terms and conditions, please refer to the relevant product page.

Is there an expiry date for BowtiePoint and can it be accumulated?

BowtiePoint will only be valid for one year from the effective date of the wellness package insurance policy and cannot be accumulated for use.
Unused BowtiePoint cannot be converted into cash, transferred, or accumulated for the next policy year. Upon renewal, the BowtiePoints available for use within the package will be reset to 1,500 BowtiePoint.

Does this Wellness Package have any waiting period?

Yes. Below listed details with regards to the waiting period of the Wellness Plan:

Applicable to new customer of Bowtie VHIS Flex Plan, BowtiePink & this Wellness Package:

  • “Cash Benefit & Full Reimbursement for Designated Medical Packages”: No waiting period
  • "Annual Core Health Check-up and Optional Health Checks / Services": 90 Days waiting period

Applicable for existing Bowtie VHIS Flexi Plan or BowtiePink customers who add on this medical Wellness Package after the policy becomes effective:

  • "Cash Benefit & Full Reimbursement for Designated Medical Packages": 180 Days waiting period
  • "Annual Core Health Check-up and Optional Health Checks / Services": 90 Days waiting period

For product terms and conditions, please refer to the relevant product page.

What is Wellness Package?

Bowtie has partnered with the Chinese University of Hong Kong Medical Centre (CUHKMC) and the Gleneagles Hong Kong Hospital (GHK) to launch the CUHKMC Medical Wellness Package and the GHK Wellness Package respectively. Both of these wellness packages are one-stop "Medical Insurance + Health" service products and serve as a rider for the Bowtie VHIS Flexi Plan and BowtiePink. Flexi Plan and BowtiePink customers can add this wellness package for an additional $200/month to enjoy:

 

1. Annual Health Check-up (can add optional health check items recommended by doctors)

CUHKMC and GHK will offer pre-check medical consultations. In addition to basic health check-ups, you are also entitled to BowtiePoint, valued at HK$1500, which can be redeemed for designated optional health checks as recommended by your doctor.


2. Cash Benefit & Full Reimbursement for Designated Medical Packages

Get 1) an HK$500 Cash Benefit and 2) Full Reimbursement (applicable to Flexi Plan customers only) for the Designated Medical Packages. Each package covers doctors’ fees, room charges, and all other procedure-related standard items and medications. 

 

💡Bowtie Pink plans already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.

 

3. Cashless Settlement Application Waiver

By indicating yourself as a Bowtie customer during a pre-surgery medical consultation, Bowtie and GHK will automatically take care of the pre-approval application in respect of the medical package(s) selected by you, and you can enjoy a seamless cashless discharge process.

After purchasing the rider plan, even if you need to receive treatments at other hospitals, you will still get reimbursed for the costs according to the maximum limits of the Bowtie VHIS Flexi Plan, with no restrictions on your treatment options.

What is the period of cover and renewable of the Wellness Package?

This Wellness Package provides one-year coverage and it is lifetime annual renewal (non-guaranteed).

Have questions about Bowtie's products? Our Product Specialists can assist you!
Providing you with personalized product consultations and commission-free!
Service Hours: 9:30 am to 6:30 pm, Monday to Friday

Closed on Saturdays, Sundays, and Public Holidays
By scheduling a consultation or WhatsApp inquiry, you acknowledge that you have read  Bowtie's Personal Information Collection Statement and agree to the use of your personal data for contact.
For inquiries regarding existing policies, please contact our Customer Service Department:
Hotline: 3008 8123 | Email: cs@bowtie.com.hk | Click “Live Chat” at the bottom right corner
Bowtie is not the provider of the above medical services. Bowtie is not responsible for any liability arising from the services provided by the designated hospitals, any problems or complaints related to the services or the quality of the related services, please contact the relevant suppliers or third parties directly. For details, please call the designated hospitals’ customer service hotline or the official website for inquiries. In case of any disputes, Bowtie and its designated hospitals reserve the right of final decision.

Bowtie VHIS Flexi, Bowtie Pink VHIS and its riders - "Bowtie & Gleneagles Hospital Hong Kong Wellness Package” and “Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package” are underwritten by Bowtie Life Insurance Company Limited, and are intended for sale in Hong Kong only. These Medical Riders are not certified plans under VHIS. You can only hold one in-force Wellness Package under your Bowtie VHIS Flexi Plan policy.

The Insured Person can choose to hold both the "Bowtie & Gleneagles Hospital Hong Kong Wellness Package” and “Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package”  simultaneously. However, each wellness package must be attached to a single VHIS policy, as each VHIS policy can only attach one wellness package.

The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.

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