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).

Can I still add this Wellness Package after my Bowtie VHIS policy becomes effective?

Yes. Existing Bowtie VHIS Flexi Plan and BowtiePink customers can log into the online platform at any time to add the CUHK / GHK wellness package without underwriting and with no time limit for adding the plan.

Please note that for existing VHIS customers adding any wellness package, Bowtie will apply a 180-day waiting period for the "Cash Benefit & Full Reimbursement for Designated Medical Packages" and a 90-day waiting period for "Annual Health Check / Optional Check-up Items." Your existing VHIS coverage will remain unaffected.

For assistance, feel free to contact the Bowtie customer service team at 3008 8123.

 

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

Can customers of all Bowtie VHIS plans add on this wellness package?

No. This wellness package is a rider option exclusive to the Bowtie VHIS Flexi Plan and BowtiePink customers. It is not available for Bowtie VHIS Standard Plan customers.

If you wish to purchase this wellness package, you may consider enrolling in the Bowtie VHIS Flexi Plan or BowtiePink and adding the rider during the application process.

Can I hold both the CUHKMC Wellness Package and GHK Wellness Package at the same time?

Yes. However, to qualify, you must be enrolled in both the Bowtie VHIS Flexi Plan and the Bowtie Pink VHIS Plan, and then add on Wellness Package to each of these plans separately.

What is the Issue Age of of the Wellness Package?

The Issue Age for this Wellness Package ranges from 15 days to 80 years old and it is lifetime annual renewal (non-guaranteed).

Can I first purchase Bowtie VHIS - Flexi Plan and/or BowtiePink, then later add on the CUHKMC / GHK Wellness Package?

Yes, you can log into the online platform any time to add on the CUHKMC / GHK wellness package 

Please note that for existing VHIS customers adding any wellness package, Bowtie will apply a 180-day waiting period for the "Full Reimbursement and Cash Benefit for Designated Medical Packages" and a 90-day waiting period for the "Annual Body Check/Optional Health Check Items." Your original VHIS coverage will remain unaffected.

However, if you add the wellness package at the same time as purchasing the Bowtie VHIS Flexi Plan or Bowtie Pink Plan, only the 90-day waiting period for the 'Annual Body Check/Optional Health Check Items' will apply.

 

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

If I need to receive treatments or services outside of the designated medical packages at the designated hospital, will I still be reimbursed?

Yes, all treatments or services costs outside of the designated medical packages will still be reimbursed according to the maximum limits of the Bowtie VHIS Flexi or BowtiePink Plan. If you wish to enjoy the "Cashless Settlement Service", you need to apply for the "Pre-approval Service" with Bowtie for the related costs yourself.

Both CUHK Medical Center and Gleneagles Hospital Hong Kong provide cost estimation service for all patients before admission, and if needed, they will also specify the costs outside of their medical packages. Bowtie will estimate the reimbursement based on the hospital's quotation.

You may also consult with our claim specialists prior to starting your treatments officially by calling at 3001 5670 or by emailing at claim@bowtie.com.hk for more details.

How can I enjoy the "Cashless Settlement Application Waiver" at GHK?

Bowtie fully reimburses¹ for the designated “All-inclusive Fixed Price Medical Packages” of GHK. The medical package fees cover doctors’ fees, room charges and all other procedure-related standard items and drugs. The steps are as follows:

  1. Feeling unwell:
    • Scenario 1: Seek medical advice at Gleneagles Hospital Hong Kong and undergo doctor recommended treatment within the designated medical packages.
    • Scenario 2: Seek medical advice & check if the recommended treatment is available in Gleneagles HK, and is one of the All-inclusive Fixed Price Medical Packages.
  2. During the consultation at Gleneagles Hospital Hong Kong, you need to indicate your rider during a pre-surgery medical consultation by presenting the page after logging into the Bowtie online platform to the doctor or hospital administrative staff.
  3. Gleneagles Hospital Hong Kong will submit a pre-approved application² to Bowtie on your behalf.
  4. Bowtie will complete the application review process within 4-6 days and notify you of the results and reimbursement estimate.
  5. Once approved, you will be admitted to Gleneagles Hospital Hong Kong on the date arranged by your doctor for the surgery.
  6. When you leave the hospital, you do not need to pay for the expenses covered by the designated medical packages. If there are other charges, you need to settle the payment at discharge and keep the receipt for filing a claim. If applicable, you can file a claim for the shortfall amount on our website.

Visit the product page for more designated GHK Medical Package details. You may also contact our claim specialists at 3001 5670 or email claim@bowtie.com.hk for more details / further assistance.

¹ Full reimbursement only applies to the fees of designated medical packages and is subject to the annual benefit limit of the Insured Person’s VHIS Flexi Plan. The Insured Person has to pay out of pocket to cover all the fees that have not been pre-approved by Bowtie to GHK directly before discharge.
² GHK will submit the pre-approval application in respect of the designated medical package(s) for the intended surgery(s)/ procedure(s) for the cashless settlement service to Bowtie on your behalf, which the cashless settlement service is subject to Bowtie's approval. For the service terms and conditions, please refer to the relevant application form.

What are the circumstances under which I cannot enjoy Cash Benefit and Full Reimbursement for Designated Medical Packages after adding the Wellness Package?

There are three scenarios where you may not be eligible for full reimbursement and cash benefits for designated medical packages:

Scenario 1: Your Wellness Package is still in the waiting period

If you add on the medical package after Bowtie VHIS comes into effect, Bowtie will set a 180-day waiting period for the "Cash Benefit and Full Reimbursement for Designated Medical Packages". During the waiting period, even if you use the designated medical package, the relevant expenses will be reimbursed according to the coverage limits outlined in your VHIS plan's benefits schedule.

 

Scenario 2: The designated medical package involves exclusions under your Bowtie VHIS policy

In this case, even if the treatment is part of the designated medical packages, you won’t be eligible for full reimbursement or cash benefits if the treatment or body part involved is not covered under your VHIS policy.

This is because the full reimbursement and cash benefits under the wellness plan are based on the coverage scope of Bowtie VHIS Flexi Plan and BowtiePink. Any exclusions under your VHIS policy also apply to the coverage provided by this wellness plan.

 

Scenario 3: Insufficient remaining annual or lifetime coverage under your Bowtie VHIS policy

Only full reimbursement for designated medical packages is subject to the annual or lifetime coverage limits (if applicable) under your Bowtie VHIS policy. Cash benefits are not subject to these limits.

Bowtie VHIS Flexi Plan
Reimbursement is first calculated and deducted according to the individual item limits under your Flexi Plan. Any remaining cost is counted under the wellness plan, and the total reimbursement amount is then deducted from the annual coverage limit. If the total claim amount exceeds the remaining annual coverage limit of your policy, full reimbursement will not be possible.

Suppose the cost of the designated medical package is HK$90,000, but the remaining annual coverage under your Flexi Plan is only HK$50,000. In this case, you will only be reimbursed HK$50,000, and the remaining HK$40,000 will need to be covered by you.

BowtiePink
BowtiePink already provides full reimbursement for the cost of designated medical packages without requiring the wellness plan. However, the reimbursed amount will still be deducted from your policy’s annual and lifetime coverage limits. If the total claim amount exceeds these limits, full reimbursement will not be possible.

 

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

After purchasing the Wellness Package, can I still get the reimbursement for the treatment costs incurred at other hospitals or with other doctors?

After purchasing the Wellness Package, even if you need to receive treatments at other hospitals/treatments other than selected medical packages within your Wellness Plan, you will still get reimbursed according to the VHIS Flexi Plan coverage details. There will be no restrictions on your treatment options. However, you will not be entitled to the "Cashless Settlement Application Waiver " service.

Should you require assistance, you may contact our Claims Specialist by calling at 3001 5670 or by emailing at claim@bowtie.com.hk.

How can I enjoy the "Cashless Settlement Application Waiver" at CUHKMC?

If the doctor recommends that you receive one of the designated medical packages included in the your wellness package. You must present the Bowtie Digital Medical Card that indicates your Wellness Package during a pre-surgery medical consultation at CUHKMC, Bowtie and CUHKMC will take care of the pre-approval application in respect of the CUMC Medical Package(s) selected by you, and you can enjoy a seamless cashless discharge process.

The detailed process for the "Cashless Settlement Application Waiver" is as follows:

  1. Obtain the Digital Medical Card
    Before the pre-surgery medical consultation, log into the Bowtie online platform, go to the "My Coverage" page, and select your CUHK Medical Centre Wellness Package to obtain your Bowtie Digital Medical Card.
  2. Indicate your identity at the consultation
    Present the Bowtie Digital Medical Card to indicate your Wellness Package during a pre-surgery medical consultation.
  3. Wait for the Application Results
    CUHK Medical Centre will directly submit a pre-approval application in respect of the CUMC Medical Package(s) selected to Bowtie on your behalf. The approval process normally takes about 4-6 working days, after which Bowtie will notify you the application result via SMS/email.
  4. Receive Treatment / Discharge
    After being approved, you can contact CUHK Medical Centre to arrange the treatment date and enjoy a hassle-free discharge.

You may also contact our claim specialists by calling at 3001 5670 or emailing at claim@bowtie.com.hk for more details / further assistance.

How can I enjoy full reimbursement and cash benefits for designated medical packages at CUHKMC?

As long as the fixed-price package you use at CUHKMC is one of the designated medical packages, you can enjoy full reimbursement and cash benefits at the time of claim, regardless of whether pre-approval is applied for. You can click here to view the list of designated medical packages.

Additionally, when you present your Bowtie Digital Medical Card during your pre-surgery consultation at CUHKMC, the hospital will automatically apply for pre-approval on your behalf for the designated medical package. You won’t need to handle the application paperwork yourself. Once approved, you’ll also enjoy cashless settlement upon discharge.

If you have any questions, feel free to contact our claims service team at 3001 5670 or email claim@bowtie.com.hk for assistance.

How can I use my BowtiePoint to redeem health services at designated hospital?

This Wellness Plan comes with BowtiePoint that valued at HK$1500 every year for you to redeem designated optional health check items / Medical and Healthcare Services .

You need to contact the designated hospital to make a appointment before the visit. The hospital / medical center will provide the pre-check medical consultation, you can then log onto the "Redeem Services" page, and redeem health services according to the recommendations from your doctor with BowtiePoint. You will have to provide the QR Code as you receive the health services.

Please note that there will be a 90-day waiting period for "Annual core health check-up and optional health check items" in the first policy year of the Wellness Plan, with no waiting period for subsequent renewals.

Can the premium for the Wellness Package be used for tax deduction?

No. Wellness Plan is not a recognized product under the Voluntary Health Insurance Scheme (VHIS), therefore the premium for this package cannot be used for tax deduction.

However, you can still apply for a tax deduction for the premiums paid for Bowtie VHIS - Flexi Plan.

After I cancel the Bowtie VHIS - Flexi Plan / Bowtie Pink policy, can I continue to hold this Wellness Package?

No. This Wellness Package is an additional coverage option for customers of Bowtie VHIS - Flexi Plan and Bowtie Pink only, and each in-force Wellness Package policy must be paired with an in-force VHIS Flexi Plan or Bowtie Pink policy.

Please note that when you cancel the associated Bowtie VHIS policy, the Wellness Package will be automatically canceled as well, and any unused health services and remaining BowtiePoints under the Wellness Package will also become invalid.

Can I terminate my policy after using the health screening service?

Yes, you can terminate the Wellness Plan policy at any time by logging onto the online platform and proceeding with the process. Please allow at least 30 working days for us to process your termination application.

The related policy will expire after the next billing settlement date, while your Bowtie VHIS - Flexi Plan / Bowtie Pink policy will not be affected.

Can the wellness package options be changed afterwards?

Yes, you can change your wellness package options between GHK and CUHKMC as long as you have an active policy. You can apply for the change via the Bowtie online portal at least 30 days before the next annual renewal date of your current policy. Upon successful application, the new wellness package will be effective on the next renewal date of your current policy, and the existing wellness package policy will expire on the same day. The waiting period will not be recalculated for the new wellness package policy, yet BowtiePoints from the current policy cannot be carried over to the next policy year nor to be used in the new wellness package.

Pending claims will not be affected by the application (if applicable).

For any questions or further enquiries, feel free to contact the Bowtie customer service team at 3008 8123.

Can I return or exchange the health services redeemed from BowtiePoint?

No. We do not accept requests for return or exchange of health services.

Can "Health/Check-ups / Selected Health Services" and BowtiePoint be shared with my family members and friends?

No. The "Health Check-ups / Selected Health Services" or BowtiePoint under the Wellness Plan are exclusively for the insured persons under that Wellness Plan insurance policy.

Will the Loading of my Bowtie VHIS Flexi Plan / Bowtie Pink also apply to the Wellness Package?

No, the premium for the wellness package is a fixed charge. Currently, regardless of gender, age, previous claim history, or health condition, the premium is set at $200/month.

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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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