Wellness Package

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Not sure which type of body check is the right one for you?

Worried about dealing with claims documents?

Unfamiliar with treatment/ hospitalization procedures?

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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 →

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Wellness Package

Additional 'Optional Health Check Items' can be added as needed on top of the core health check-up.

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Wellness Package

Mostly Pre-packaged / Pre-set Medical Packages on the Market
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Wellness Package

Mostly Pre-packaged / Pre-set Medical Packages on the Market

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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

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Wellness Package

Indicate yourself as a Bowtie customer, and enjoy a seamless discharge process without the need to settle the bills.

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Wellness Package

You will need to collect and submit all the claims documents

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

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.

Will surgeries be fully reimbursed?

Full Reimbursement² of
All-inclusive Fixed Price Medical Packages

The designated hospitals provide over 200 selected all-inclusive surgery / procedure packages. Each such package covers the costs of all standard items related to the surgery / procedure, making the price transparent. With this Wellness Package, not only will you be fully-informed of the price prior to hospitalization, but Bowtie will also ensure full reimbursement² . The selected packages available at the designated hospitals cover more than 7 specialties, including common procedures like Endoscopy Examinations, Hernia Repair, Cataract Surgeries, etc., where you can save up to $6000³ compared to only purchasing the VHIS Flexi Plan.

Other hospitals are covered too!

Treatments at non-designated hospitals or for non-selected medical packages will be reimbursed according to the VHIS Flexi Plan coverage details, with a reimbursement rate of up to 90%⁴.

👀 Details of selected medical packages →

All-inclusive medical packages with clear, fixed pricing not only improve transparency but also prevent fluctuating treatment costs, addressing medical inflation!

By John Tsang

Integrating Medical Insurance with
Healthcare Services for a Better Experience

組合價

$418/月起

Bowtie VHIS Flexi Plan

as low as $218/mo*

Up to $1M annual benefit limit, with no lifetime limit

Reimbursement for diagnosis, hospitalization, day/inpatient surgery up to benefit items limit (Any hospital)

Up to $220K Supplementary Major Medical (SMM) limit

CUHKMC / GHK Wellness Package

+$200/mo (Flat price for any age and gender)#

Annual core health check-up and optional health check items / Medical and Healthcare Services of your choice^#

Full reimbursement² for selected medical packages

Cashless Settlement application waiver¹

*Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie VHIS Flexi Regular.
^#Annual core health check-up and optional health services are only applicable to certain age groups, please refer to the respective wellness package websites for details.

Choose Your Hospital of Choice

New Territories

CUHKMC Wellness Package

Opened since 2021
adjacent to the MTR (East Rail Line)
University Station (Exit B)

Learn More

Hong Kong Island

GHK Wellness Package

Opened since 2017
located near the MTR Ocean Park Station (Exit C)
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Learn More

New Territories

CUHKMC Wellness Package

Opened since 2021
adjacent to the MTR (East Rail Line)
University Station (Exit B).

Learn More

Hong Kong Island

GHK Wellness Package

Opened since 2017
located near the MTR Ocean Park Station (Exit C)

Learn More

Product Documents

GHK Wellness Package

Terms and Conditions (GHK Wellness Package)

Product Risks and Exclusions

BowtiePoint Terms and Conditions

CUHK Wellness Package

Terms and Conditions (CUHK Wellness Package)

Product Risks and Exclusions

BowtiePoint Terms and Conditions

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 & this Wellness Plan:

“Full Reimbursement for Selected 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 who add on this medical wellness package after the policy becomes effective:

"Full Reimbursement for Selected 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

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.

Schedule Consultation WhatsApp

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 official website for inquiries. In case of any disputes, Bowtie and its designated hospitals reserve the right of final decision.

Bowtie VHIS Flexi Plan 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 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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Remarks

¹The designated hospital will submit to Bowtie on your behalf the pre-approval application in respect of the selected medical package(s) for the intended surgery(ies)/ procedure(s) for the cashless settlement service, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.
² Full reimbursement only applies to the fees of selected medical packages of designated hospitals and subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The Insured Person has to pay out of pocket to the designated hospitals directly all the fees that have not been pre-approved by Bowtie before discharge.
³ Taking the Gleneagles Hong Kong Hospital’s “Tendon Repair & POP Application” Medical Package as an example, the reimbursement difference before and after the addition of the "Bowtie & Gleneagles Hospital Hong Kong Wellness Package" amounts to $6,145.20. The above is for reference only. Actual treatment costs vary depending on the circumstances and health condition.
⁴ As of November 2022, the reimbursement rate for Bowtie VHIS Flexi Regular is 90%.

Wellness Package

If You Are…

Let the Professionals Handle the ThingsThat You Are Unfamiliar With

Product Documents

Important product information

FAQ

Let the Professionals Handle the Things
That You Are Unfamiliar With