Bowtie x CUHK - VHIS and Bodycheck Package

Name: VHIS Flexi Plan Rider - Bowtie & CUHKMC Wellness Package
Brand: Bowtie
Price: 200 HKD
Rating: 4.5 (151 reviews)

Bowtie & CUHKMC Wellness Package

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Rider Feature Scope of Services About the Hospital VHIS Info Purchasing Process Document Download FAQ

Quote now

Additional Offer

50% OFF for add on Wellness Package

Scope of Services

Scope of Services 

Annual Health Check-up
‍(can add optional health check items recommended by doctors) ^{^}

Extra Dual Protection for Designated Medical Packages

Cashless Settlement Application Waiver⁴

服務包括 

Annual Health Check-up (optional health check items recommended by doctors can be added)^{^}

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You are entitled to an annual core health check-up. This core health check-up includes pre-check medical consultation and post-check report explanation. In addition to the core health check-up, you are also entitled to BowtiePoint¹, valued at HK$1500, which can be used to redeem designated optional health check items as recommended by the doctor.

1. Annual Health Check-up (optional health check items recommended by doctors can be added)^{^}

(a) Core Health Check-up⁴ (valued at HK$1,910)

Including physical examination, blood pressure, BMI, urine analysis, coronary artery disease risk assessment, diabetes assessment, liver/kidney function, and gout screening

(b) Optional Health Check Items⁴

Entitled to 1,500 BowtiePoint (valued at HK$1500) ^1,4 each year for redeeming designated optional health check items based on doctor's recommendations on top of the core health check-up. Optional Health Check Items must be used in conjunction with the Core Health Check-up.

^{^} The annual core health check-up and optional health check items under this service item are only applicable to people aged 18 or above.

Available Health Check Items

Cancer

Alpha Fetoprotein, AFP (For Liver Cancer) (500 BowtiePoint)
Cancer Antigen-125 (For Ovarian Cancer) (700 BowtiePoint)
Prostate Specific Antigen, PSA (For Prostate Cancer) (600 BowtiePoint)
EBV DNA (For Nasopharyngeal Carcinoma) (800 BowtiePoint)
Carcinoembryonic Antigen, CEA (For Lung Cancer, Gastric Cancer, Colorectal Cancer, Ovarian Cancer, Breast Cancer, etc) (700 BowtiePoint)
Fecal Occult Blood Test, FOBT (For Colorectal Cancer) (200 BowtiePoint)

Breasts

Breast Ultrasound (1,500 BowtiePoint)
2D Mammogram (1,500 BowtiePoint)

Cervix

Pap Smear (600 BowtiePoint)
Pap Smear & Human Papillomavirus (HPV) DNA Co-testing (1,300 BowtiePoint)

Stomach

C-Urea Breath Test (800 BowtiePoint)

Hepatitis A and B Combo

Hepatitis A Antibody + HBsAg + HBsAb (700 BowtiePoint)

Heart

Rest Electrocardiography, ECG (600 BowtiePoint)

Intestinal Tract

Stool Routine (200 BowtiePoint)

Bone Mass

Vitamin D (700 BowtiePoint)
Bone Density Test (DEXA) - Spine & Hips (1000 BowtiePoint)

Thyroid

Thyroid-stimulating Hormone, TSH (For Thyroid Function) (500 BowtiePoint)

Blood Glucose

Glycated Hemoglobin, HbA1C (For Diabetes) (400 BowtiePoint)

Kidney

Chloride (200 BowtiePoint)
Sodium (200 BowtiePoint)
Potassium (200 BowtiePoint)

Lung

Chest X Ray (300 BowtiePoint)

Extra Dual Protection for Designated Medical Packages

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Get 1) an HK$500 Cash Benefit² and 2) Full Reimbursement³ (applicable to Flexi Plan customers only) for the designated day procedure and inpatient operation/procedure packages named “CUMC Medical Packages” (CMP).

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

2. Extra Dual Protection for Designated Medical Packages

Get 1) an HK$500 Cash Benefit² and 2) Full Reimbursement³ _{(applicable to Flexi Plan customers only)}. for the designated [139] day procedure and [228] inpatient operation/procedure packages named “CUMC Medical Packages” (CMP)

The designated “CUMC Medical Packages” cover [7] specialties, including General Surgery, Gynecology, Ophthalmology, Orthopedics, and endoscopy procedures. Each package includes all doctors’ fees and all hospital charges for procedure-related standard items and drugs, which also cover expenses over complications and intensive care arising from the operation/procedure.

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

Details of CUMC Medical Package ↗

Cashless Settlement Application Waiver⁴

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By presenting the Bowtie Medical Card that indicates your rider during a pre-surgery medical consultation, 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 cashless discharge process.

3. Cashless Settlement Application Waiver⁴

Cashless settlement for all designated surgery/procedure packages can be processed without needing you to submit any pre-approval application.

By presenting your Bowtie Digital Medical Card that indicates your rider during a pre-surgery medical consultation at CUHK Medical Centre, the hospital will directly submit a pre-approval application in respect of the CUMC Medical Package(s) designated to Bowtie on your behalf. You do not need to handle any application paperwork yourself. Upon approval of the application, you can enjoy the convenience of being discharged without having to settle the bill.

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.

About the Hospital

New Territories - MTR University station

Purchase with Bowtie VHIS

Need Product Recommendations? Contact our Product Specialist ↗️

Flexi Regular

No Deductible

Annual Benefit Limit: $600,000 ｜ No Lifetime Benefit Limit

Sub-limits on Reimbursements

as low as $236 /mo⁵

Select

Bowtie Pink Ward

$20,000 Deductible
(Options for $50,000 or $80,000 deductible for lower premiums)

Annual Benefit Limit: $8,000,000 ｜ Lifetime Benefit Limit: $40,000,000

No Sub-limits on Reimbursements

as low as $321 /mo⁵

Select

Key Considerations

💡 Key Considerations of Picking VHIS

The Plan’s Deductible

If the plan has a deductible, it means you need to pay a portion of the medical expenses before the insurance covers the rest.

Higher deductible = Lower premium
If you have group medical coverage, it is recommended that you claim the group medical first to reduce the deductible burden.
Deductible plans are suitable for those who are with savings or want to save on premiums.

Primary Medical Needs

If you aim for “basic coverage” needs, consider:

Plans with lower coverage and sub-limits.
Plans with more stable long-term premium increases.
Suitable for common treatments (e.g., endoscopy, fractures).

If you aim for major illness protection, consider:

Plans with higher coverage and no sub-limits.
More flexible claims and comprehensive protection.

Preferred Ward level Level

While both Flexi Plan and Bowtie Pink offer various room class options, you must stay in a standard ward when using the specified medical packages to enjoy the HK$500 cash benefit and full reimbursement (applicable to Flexi Plan only).

Otherwise, claims will be subject to the benefit limits stated in your VHIS plan's benefit schedule.

Exclusive for Bowtie VHIS Flexi Plan and Bowtie Pink Customers

Purchasing Process

New Customers

Add-on directly when purchasing the Bowtie VHIS Flexi Plan or Bowtie Pink.

Cash Benefit² and Full Reimbursement³ for designated medical packages

Waiting Period

Annual Core Health Check-Up and Optional Health Check Items

Waiting Period

90 days

Apply now

Existing Customers

Add-on through the Bowtie online platform anytime after the Bowtie VHIS Flexi Plan policy is effective.

Cash Benefit² and Full Reimbursement³ for designated medical packages

Waiting Period

180 days

Annual Core Health Check-Up and Optional Health Check Items

Waiting Period

90 days

Add On now

Existing Customers

Add-on through the Bowtie online platform anytime within the first 2 years of the Bowtie VHIS Flexi Plan policy effective date.

Cash Benefit² and Full Reimbursement³ for designated medical packages

Waiting Period

180 days

Annual Core Health Check-Up and Optional Health Check Items

Add-on directly when purchasing the Bowtie VHIS Flexi Plan.

Cash Benefit² and Full Reimbursement³ for designated medical packages

Waiting Period

Annual Core Health Check-Up and Optional Health Check Items

Waiting Period

90 days

Apply now

*Waiting Period is calculated from the effective date of the additional coverage

Product documents

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 or Bowtie Pink & this Wellness Plan:

“Cash Benefit and Full Reimbursement for Designated Medical Packages” : No waiting period
"Annual 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

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 VHIS Flexi Plan, Bowtie Pink VHIS Plan and its rider “Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package” are underwritten by Bowtie Life Insurance Company Limited, and are intended for sale in Hong Kong only.
This Medical Rider is not a certified plan under VHIS. Each insured can only hold one in-force “Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package” under your Bowtie VHIS Flexi Plan or Bowtie Pink VHIS policy.
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 visit their official website for inquiries. In case of any disputes, Bowtie and its designated hospitals reserve the right of final decision.
The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.

If you see a "+" symbol, you can click on it to view more information.

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Remarks

^When redeeming the optional health check items and when using the health check-up related services or the Designated Medical Packages at CUHK Medical Centre, the Insured Person must agree to and be bound by the terms and conditions stipulated by CUHK Medical Centre for such services and packages and other service terms and conditions of CUHK Medical Centre.
¹ BowtiePoint Program is not a cash reward plan. Under the Bowtie & CUHK Medical Centre (CUHKMC) Wellness Package, BowtiePoint Program is only applicable for redemption of the “Optional Health Check Items" under the said package and it cannot be converted into cash, transferred, or accumulated for the next policy year.
² Cash Benefit applies to the use of Designated Medical Packages and is not subject to the annual or lifetime benefit limit (if applicable) of the Bowtie VHIS Flexi or Bowtie Pink VHIS.
³ Full reimbursement only applies to the fees of Designated Medical Packages and is subject to the annual and lifetime benefit limit of the Insured Person’s VHIS Flexi Plan or Bowtie Pink VHIS Plan. The deductible of Bowtie Pink is not covered. The Insured Person has to pay out of pocket to GHK directly for all the fees that have not been pre-approved by Bowtie before discharge.
⁴ GHK will submit to Bowtie on your behalf the pre-approval application in respect of the Designated Medical Packages(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.
⁵ Calculated based on the standard premium of a 30-year-old non-smoking male insured with Bowtie VHIS Flexi Regular Plan and Bowtie Pink (Ward) - $20K Deductible Plan.