An unknown pre-existing condition is one that existed before the policy has been in force, but the insured person was reasonably unaware of it which has no clear and distinct signs or symptoms and it has not been diagnosed or sought for medical advice.
Under the terms of Bowtie VHIS, we will pay for claims arising from unknown pre-existing conditions according to the designated reimbursement rate during the waiting period as follows.
Reimbursement Ratio for Unknown Pre-Existing Conditions
|
Waiting Period |
Reimbursement rate |
|
The first 180 days
|
0% |
|
On and after the 181st day |
100% of the eligible medical expenses within the benefit limit |
Bowtie VHIS Standard:
|
Waiting Period |
Reimbursement rate |
|
1st policy year
|
0% (no reimbursement will be made to the insured)
|
|
2nd Policy year |
25% of the eligible medical expenses within benefit limit |
|
3rd Policy year |
50% of the eligible medical expenses within benefit limit |
|
4th Policy year onwards |
100% of the eligible medical expenses within benefit limit |
Among the 3 Bowtie VHIS plans, only Bowtie Pink provides full coverage.
With only HK$257^ monthly, you could get Bowtie Pink!
Get Personalized Quote^The monthly standard premiums shown here is based on a 30-year-old non-smoking male purchasing Bowtie Pink (Semi-Private) with a deductible of HK$80,000
*Bowtie Pink’s full coverage only applies to eligible medical expenses for the designated items, subject to annual and lifetime benefit limits, specified ward level, and territorial scope of cover (treatments in the US & hospitals outside the specified lists in China are not protected). Compensation for some items may be subject to item benefit limits.