Bowtie x GHK - VHIS and Bodycheck Package

VHIS Flexi’s Rider

Bowtie & GHK Wellness Package

From health checks to treatment claims,
we’ve got you covered#

Bowtie VHIS Flexi Plan

Up to HK$1M annual benefit limit with no lifetime limit

Reimbursement for diagnosis, hospitalization and day/inpatient surgery (Any hospital)

Up to HK$220K Supplementary Major Medical (SMM) Limit

+
GHK Wellness Package

Annual core health check-up and optional medical / health services^

Full reimbursement2 for selected medical packages

Cashless Settlement application waiver3

^Annual core health check-up is only applicable to persons aged 3 or above while certain core and optional medical / health services are only applicable to persons aged 18 or above.

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) 1,4 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.
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)
Bowtie fully reimburses2 for selected medical packages. The package fees cover doctors’ fees, room charges and all other procedure-related standard items and drugs.
2. Full Reimbursement for Selected Medical Packages2
Bowtie fully reimburses2 for [249] “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 [11] specialties covered include endoscopy, general surgery, cardiology / cardiothoracic Procedures, gynecology, ophthalmology, orthopedics, interventional radiology procedures, etc. Costs related to complications are also covered (including intensive care and re-operation charges).
Details of selected medical packages ↗
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 Waiver3
Cashless settlement for all selected medical packages can be processed without needing you to submit any pre-approval application.

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 selected 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.
After purchasing this 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.

About the Hospital

Gleneagles Hong Kong Hospital

Opened in 2017, located near the MTR (South Island Line)
Ocean Park Station (Approximately 8 minutes walk from Exit C).

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 customers of Bowtie VHIS Flex Plan & this Wellness Plan:
  • “Full Reimbursement for Selected 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 who add on this medical wellness package after the policy becomes effective:
  • "Full Reimbursement for Selected 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
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.
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 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. You can only hold one in-force Wellness Package under your Bowtie VHIS Flexi Plan 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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Remarks
1 BowtiePoint Program is not a cash reward plan. Under the Bowtie & GHK Wellness Package, BowtiePoint Program is only applicable for redemption of the “Optional Medical / Health Services" under the said package and it cannot be converted into cash, transferred, or accumulated for the next policy year.
2 Full reimbursement only applies to the fees of selected 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.
3 GHK will submit the pre-approval application in respect of the selected 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.