Regarding cashless hospitalisation / pre-approval, this service is applicable to all Bowtie insurance products (except Cancer Fighter) and all private hospitals and hospital-affiliated day surgery centers (excluding clinics).

If the insured person suffers from an injury or illness that is not an emergency medical condition and requires medical services in a private hospital, including day surgery or hospitalisation as needed, they can apply for the cashless service.

When a doctor recommends that the insured person needs to undergo a hospitalisation procedure / day surgery, the customer can:

1. Log in to Bowtie's personal online platform and go to the claims section to pre-approval claims form
2. Have the form filled out by the attending physician
3. Have both the policyholder and the insured person sign the form
4. Upload the completed pre-approval claims form through the platform

Under normal circumstances with sufficient information for review, the claims department will take about 5 working days to process the case (actual time may vary depending on individual circumstances). If there are any updates to the case, our claims specialists will contact the customer via the platform or by phone to update the approval status.

If the case is successfully approved, the insured person only needs to inform the hospital that they have received pre-approval and present their ID card, the approval certificate issued by Bowtie, and the admission letter issued by the hospital to proceed with the relevant medical procedures.

Upon discharge, Bowtie will pay for the approved medical expenses. However, if there are expenses beyond the pre-approved compensation amount, these will need to be paid by the insured person at the time of discharge. The relevant receipts should be kept, and a claim for the difference can be submitted to Bowtie through the online platform following the general claims procedure.

Please note that if there's a need to change the surgery date or ward class before admission, the customer will need to resubmit the pre-approval application. Additionally, some private hospitals may charge a deposit, so customers should consult with the hospital directly about this.