You can first claim from your group medical insurance or another insurance plan without a deductible. After that, you can claim from Bowtie Pink. The payout from your company's insurance can be used to offset the deductible for Bowtie Pink, effectively reducing the amount you need to pay out-of-pocket.

Example:
Suppose you choose the BowtiePink plan with a HK$20,000 deductible and you undergo surgery due to illness with a total eligible hospitalization costs: HK$40,000
Company’s group medical insurance coverage limit: HK$30,000
First claim from the group medical insurance to receive HK$30,000 compensation, which offsets the deductible under BowtiePink.
The remaining medical expenses of HK$10,000 (i.e., HK$40,000 - HK$30,000) are fully reimbursed by BowtiePink, leaving you with no out-of-pocket hospital expenses.

The above advice is for reference only and does not guarantee no out-of-pocket expenses. You should consider your actual situation and coverage.