Bowtie x GHK - VHIS and Bodycheck Package

Bowtie VHIS - Wellness Package

GHK Wellness Package

*Applicable to Flexi and Bowtie Pink only

Scope of Services

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-up^ (valued at $2,720 for 18 years old and above / $1,040 for under 18 years old)
  • Includes general health assessment, eye examinations, cardiac examinations#, renal / liver function#, blood analysis#, urine routine examination, lipid profile#, stool test, tumour markers# and diabetes screening#
Core health check-up is only applicable to persons aged 3 or above. #Only applicable to persons aged 18 or above.
(b) Optional Healthcare / Medical Services^
  • Entitled to 1,500 BowtiePoint (valued at HK$1500) 1 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.
Available Healthcare / Medical Services Items
* Services Provided by Gleneagles Medical Clinic Central

Cancer

  • Tumour Marker for Ovarian Cancer (CA125)# (600 BowtiePoint)
  • Other tumour markers#

(1,500 BowtiePoint)

Cervix

  • Pap Smear (inclusive of doctor fee)# (500 BowtiePoint)

Liver

  • Extended liver function & Hepatitis Screening Profile# (1,500 BowtiePoint)

General Out-patient Service

  • General Practitioner consultation# (including 3-day basic medication) (500 BowtiePoint)

Dietetic Services

  • Professional Nutrition Consultation (2 Sessions) (900 BowtiePoint)

Thyroid

  • Thyroid Function# (500 BowtiePoint)

Blood Glucose

  • Glycated Hemoglobin, HbA1C (For Diabetes)# (300 BowtiePoint)

Kidney

  • Extended Renal Function & Electrolyte (300 / 500 BowtiePoint)

Optometry Service

  • Vision Care# (300 BowtiePoint)
Get 1) an HK$500 Cash Benefit2 and 2) Full Reimbursement3 (applicable to Flexi Plan customers only)  for the designated  “All-inclusive Fixed Price Medical Packages” of GHK.

💡Bowtie Pink plans 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 Cover3 (applicable to Flexi Plan customers only)  for the  [249] designated  “All-inclusive Fixed Price Medical Packages” and “Histotripsy treatment - Liver cancer treatment package”* of GHK.

The designated “All-inclusive Fixed Price Medical Packages”  cover [11] specialties including Endoscopy, General Surgery, Cardiology / Cardiothoracic Procedures, Gynecology, Ophthalmology, Orthopedics, Interventional Radiology Procedures, etc. Each package includes the doctors’ fees, room charges and all other procedure-related standard items and drugs. The costs related to complications are also covered (including intensive care and re-operation charges).

💡Bowtie Pink already fully cover the costs of designated medical packages without utilizing the Wellness Package's benefits.
By presenting the page after logging into the Bowtie online platform that indicates your rider 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.
3. Cashless Settlement Application Waiver4
Cashless settlement for all designated medical packages can be processed without needing you to submit any pre-approval application.4

By presenting the page after logging into the Bowtie online platform that indicates your rider during a pre- surgery medical consultation, the hospital will directly submit a pre-approval application in respect of the designated medical package(s) 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

Hong Kong Island - MTR Ocean Park Station

Purchase with Bowtie VHIS

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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

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

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.

What is GHK Wellness Package?

The GHK Wellness Package is a one-stop "Medical Insurance + Health" service product jointly launched by Bowtie and the Gleneagles Hong Kong Hospital (GHK). This wellness package serves as an 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)”

GHK will offer pre-check medical consultation. 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 check as recommended by your doctor.


2. “Full Reimbursement for Selected Medical Packages”

Bowtie fully reimburses for 249 All-inclusive Fixed Price Medical Packages. The package fees cover doctors’ fees, room charges and all other procedure-related standard items and drugs


3. “Cashless Settlement Application Waiver”

By presenting the page after logging into the Bowtie online platform that indicates your Wellness Package 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.

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 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).

How are the Full Reimbursement and Cash Benefits for Designated Medical Packages under the Wellness Package calculated toward the annual and lifetime coverage limits of Bowtie VHIS plans?

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.

How will the Wellness Package be handled if I wish to change the tier of my Bowtie VHIS plan?

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.

Are there ward type restrictions for using the Designated Medical Packages of GHK?

Yes, under the GHK Wellness Package, the designated medical packages are limited to GHK's two-bedded room with en-suite facilities.

This 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.

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 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.

How can I enjoy the HK$500 Cash Benefit after purchasing the wellness 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 $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.

Does the Wellness Package cover out-patient?

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.

If my Bowtie VHIS - Flexi Plan or Bowtie Pink has case-based exclusions, will it affect the coverage of the wellness package?

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.

How can I enjoy full reimbursement and cash benefits for designated medical packages at Gleneagles Hospital Hong Kong (GHK)?

As long as the all-inclusive fixed-price medical package you use at GHK 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. You can click here to view the list of designated medical packages.

Additionally, when you present the relevant page from the Bowtie online platform during your pre-surgery consultation at GHK to confirm your enrollment in this wellness plan, 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.

 

The steps of using designated medical packages are as follows:

  1. Feeling unwell:
    • Scenario 1
      Seek medical advice at Gleneagles Hospital Hong Kong and undergo doctor recommended treatment within the selected 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 consultation at Gleneagles Hospital Hong Kong, you need to inform the doctor or hospital administrative staff that you are a Bowtie VHIS Flexi customer.
  3. Gleneagles Hospital Hong Kong will submit a pre-approved application 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 selected 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.

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

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.

If I need to receive treatments or services outside of the selected medical packages from Gleneagles Hospital Hong Kong, can I still be reimbursed?

Yes, all treatments or services cost outside of the designated 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.

Gleneagles Hospital Hong Kong 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.

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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 VHIS Flexi Plan, Bowtie Pink VHIS Plan and its rider  “Bowtie & GHK 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 & GHK 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.

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