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.