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.