Bowtie VHIS - Wellness Package
Scope of Services
Exclusive for Bowtie VHIS Flexi Plan and Bowtie Pink Customers
Purchasing Process
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.
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.
The CUHKMC Wellness Package is a one-stop "Medical Insurance + Health" service product jointly launched by Bowtie and the Chinese University of Hong Kong Medical Centre (CUHK Medical Centre). This Wellness Package serves as a rider for the Bowtie VHIS Flexi Plan. Flexi Plan 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 will offer medical consultations. In addition to basic health check-ups, you are also entitled to BowtiePoint1, valued at HK$1500, which can be redeemed for designated optional health check items various tests or health services as recommended by your doctor.
2. Full Reimbursement for Selected Medical Packages
Bowtie fully reimburses for selected day surgery procedures and inpatient surgical operation/procedure packages. The medical packages include all related costs for doctors, wards, and medications.
3. Cashless Settlement Application Waiver
Upon presenting the Bowtie Digital Medical Card that indicates your Wellness Package during a pre- surgery medical consultation at CUHKMC, Bowtie and CUHKMC will automatically take care of the pre-approval application in respect of the CUMC Medical Package(s) selected by you and you can enjoy a seamless 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.
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:
Applicable for existing Bowtie VHIS Flexi Plan or BowtiePink customers who add on this medical Wellness Package after the policy becomes effective:
For product terms and conditions, please refer to the relevant product page.
This Wellness Package provides one-year coverage and it is lifetime annual renewal (non-guaranteed).
Only the actual medical expenses reimbursed under the full reimbursement for Designated medical packages will be counted toward the insured's Bowtie VHIS annual or lifetime coverage limits (if applicable). The cash benefit is not subject to this limitation.
Compensation Calculation by Category:
Full Reimbursement
Bowtie Flexi VHIS Plan
We will first calculate and deduct the corresponding amounts based on the original sub-limits of your Bowtie Flexi VHIS plan. Any remaining expenses will be covered under the wellness package and deducted from the annual coverage limit of your Flexi plan. However, if the total claim exceeds your policy's remaining annual limit, full reimbursement will not be granted.
For example: If the cost of your Designated Medical Package is HK$90,000, but your Flexi plan's remaining annual limit is only HK$50,000, you will only be reimbursed up to HK$50,000, with the remaining HK$40,000 becoming an out-of-pocket expense.
BowtiePink VHIS Plan
The hospitalization and surgical benefits under the BowtiePink plan do not have itemized limits, and the plan itself is sufficient to fully reimburse the costs of the Designated medical packages without relying on the "top-up" provided by the wellness package. However, the reimbursement amounts will still be deducted from the annual and lifetime coverage limits of the BowtiePink plan. Therefore, if the total claim amount exceeds the annual or lifetime coverage limits of your BowtiePink policy, your reimbursement will be limited to the remaining balance of the lower of these two limits.
You can visit comparison page to review the annual and lifetime coverage limits for the Flexi and BowtiePink plans. Alternatively, log in to the online platform, go under "My Policies," and select the respective VHIS policy to check your remaining coverage balance.
Cash Benefits
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 for each Designated Medical Package used. This cash benefit applies to both Bowtie Flexi VHIS and BowtiePink customers and is not subject to the annual or lifetime limits (if any) of your policy.
For inquiries, please call 3001 5670 or email claim@bowtie.com.hk to contact Bowtie's claims service advisors for assistance.
The handling of the Wellness Package depends on the situation:
Scenario 1: Changing the tier of your Bowtie VHIS plan while keeping the in-force Wellness Package
You must apply for a tier change through the "Modify Policy" feature on the online portal. If your new VHIS plan is either the Flexi Plan or BowtiePink, your existing Wellness Package and its remaining BowtiePoints will remain unchanged, and the waiting periods for the Wellness Package will not be reset. However, if your new VHIS plan is the Standard Plan, the Wellness Package will be automatically canceled upon the activation of the new VHIS plan.
Scenario 2: Changing the tier of your Bowtie VHIS plan without keeping the in-force Wellness Package
You must first apply to cancel the in-force Wellness Package before using the "Modify Policy" feature on the online portal to change your VHIS plan tier.
Scenario 3: Changing both the tier of your Bowtie VHIS plan and the in-force Wellness Package
You must first apply for a VHIS plan tier change through the "Modify Policy" feature on the online portal. After the change is approved, you can use the same feature to modify the Wellness Package.
Customers with both Bowtie VHIS and the Wellness Package must submit their application to upgrade or downgrade the tier at least 30 days before the next policy renewal date via the online customer portal. Once approved, the new plan will take effect on the renewal date of the existing policy, and the new premium will also start from that day, while the existing policy will terminate simultaneously.
If you need any further assistance, feel free to contact Bowtie’s customer service team at 3008 8123.
Yes, under the CUHKMC Wellness Package, the Designated Medical Packages are limited to CUHKMC's day bed or 4-bed room only
These ward types are equivalent to the standard ward category. If your plan’s room type is semi-private or private, such as Bowtie Flexi Plus, BowtiePink - Semi-private, or BowtiePink - Private, you must stay in the specified room type to enjoy the additional $500 cash benefit and full reimbursement (only applicable to the Flexi Plan*). Otherwise, the costs will be reimbursed according to the coverage limits outlined in your VHIS plan's benefits schedule.
* BowtiePink plans already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.
For product terms and conditions, please refer to the relevant product page
Yes. BowtiePink customers will still need to pay the relevant deductible even after purchasing the Wellness Package as top up. 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.
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 $500 cash benefit each time you use a Designated Medical Package. This benefit applies to both Bowtie VHIS Flexi Plan and BowtiePink customers and is not constrained by the annual or lifetime benefit limits of your VHIS Flexi Plan or BowtiePink policy.
For product terms and conditions, please refer to the relevant product page.
This Wellness Package does not cover outpatient treatments unrelated to hospitalization and surgery such as common colds and dental services. The required Bowtie VHIS Flexi or BowtiePink Plan that is paired with the purchase of this combination can cover Accident emergency outpatient treatments, and Pre- and post-confinement / Day case procedure outpatient care, with compensation up to the limits of the Flexi Plan.
Yes. Since the "Cash Benefit & Full Reimbursement for Designated Medical Packages" is based on the coverage scope of the Bowtie VHIS - Flexi Plan or Bowtie Pink and is subject to its annual coverage limit, the case-based exclusions in your Flexi Plan or Bowtie Pink policy also apply to the "Cash Benefit & Full Reimbursement for Designated Medical Packages" coverage within the wellness package.
However, the "Annual Core Health Check-up and Optional Health Check Items" will not be affected.
For product terms and conditions, please refer to the relevant product page.
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.
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.
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.
The Issue Age for this Wellness Package ranges from 15 days to 80 years old and it is lifetime annual renewal (non-guaranteed).
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.
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.
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, 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.
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:
You may also contact our claim specialists by calling at 3001 5670 or emailing at claim@bowtie.com.hk for more details / further assistance.
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.
Yes, all treatments or services cost outside of the selected medical packages will still be reimbursed according to the maximum limits of the Bowtie VHIS Flexi 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.
CUHK Medical Center does 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.
This Wellness Plan comes with BowtiePoint that valued at HK$1500 every year for you to redeem designated Optional Health Check Items .
You need to call CUHKMC at 3946 6188 to make an 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.
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.
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.
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.
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.
No. We do not accept requests for return or exchange of health services.
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.
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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