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:

• “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.

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