No. However, the full reimbursement coverage of the Bowtie Pink does not apply to hospitals in the USA and those not under the list of designated hospitals in Mainland China¹ , except for eligible medical expenses compensated at the level of the  Bowtie VHIS Standard Plan.

Additionally, Bowtie VHIS's cashless settlement service is also applicable at all private hospitals in Hong Kong. You can always log into the Bowtie online platform to apply for the "Pre-approval Service". Please note that the "Pre-Authorization Service" is only applicable to non-emergency medical procedures, and the claims department will take approximately 4-6 working days to process your application.

¹ Bowtie Pink VHIS series covers full reimbursement for eligible medical expenses including diagnostics, hospitalization, surgery, and specified non-surgical cancer treatments (excluding the USA), subject to annual and lifetime coverage limits. Compensation amounts may be adjusted for claims involving hospitals in Mainland China outside the designated list, high-end hospitals within the designated list, claims exceeding the specified ward class, or pre-existing conditions. For details, please refer to sections 1(b), 1(c) of the first supplement document and section 4 of the terms and conditions of the BowtiePink.