Author
Bowtie Team
Updated on
2025-06-03
Disclaimer: This article is translated with the assistance of AI.
New parents’ dilemma: Bowtie compares Growth CI & Term CI plans for kids. Discover which critical illness coverage fits your family best.
Differences in Product Positioning
Bowtie Children’s Growth Term CI Insurance and Bowtie Term Critical Illness Insurance are both pure protection products without any savings component, primarily used to compensate for specified critical illnesses, surgeries, or conditions, but their positioning differs.
Bowtie Children’s Growth Term CI Insurance is specifically targeted at genetic diseases, congenital and childhood illnesses, treatments, and other newborn conditions (see the table below).
On the other hand, Bowtie Term Critical Illness Insurance focuses on early and severe critical illness coverage, suitable for children to increase protection after reaching adulthood.
Bowtie Children’s Growth Term CI Insurance terminates when the insured reaches age 18. If there are no claims made during the coverage period (regardless of whether compensation was received) * , we will provide an option to convert to Bowtie Term Critical Illness Insurance to ensure coverage continues.
- * Claims for pregnancy complications and phototherapy for severe jaundice are not included.
Table: Coverages Exclusive to Bowtie Children’s Growth Term CI Insurance (Partial List)
| Bowtie Children’s Growth Term CI Insurance | Bowtie Term Critical Illness Insurance | |
| Pregnancy complications
Such as: Miscarriage |
✅ | ❌ |
| Congenital genetic diseases Such as: Severe maple syrup urine disease, Angelman syndrome |
||
| Childhood congenital diseases and critical illnesses Such as: Severe hemophilia, severe autism |
||
| Newborn medical conditions
Such as: Phototherapy for severe jaundice |
- * Each disease and condition must meet the defined covered diseases, critical illnesses, and surgical procedures to qualify for compensation.
Bowtie Children’s Growth Term CI Insurance Offers Different Compensation Amounts for Childhood Diseases
Bowtie Children’s Growth Term CI Insurance covers 76 types of congenital and genetic diseases as well as childhood critical illnesses.
Due to variations in the severity and mortality rates of each disease, their impact on a child’s future life and development differs, as do the corresponding treatment costs and care expenses.
Based on this product design philosophy, we aim to provide appropriate compensation amounts to help parents cover short-term or long-term treatment and care costs, thus using different compensation ratios.
Can You Insure Children for Both Bowtie Critical Illness Plans?
The total coverage limit for Bowtie Critical Illness series is $4 million. If your child (as the insured) currently has $3.5 million or less in Bowtie Critical Illness Insurance coverage, you can apply for additional Bowtie Children’s Growth Term CI Insurance (with a fixed amount of $500,000) through underwriting at any time.
- * The $100,000 coverage for pregnant mothers in Bowtie Children’s Growth Term CI Insurance will not be counted toward the total coverage limit.
If your child (as the insured) already has more than $3.5 million in Bowtie Term Critical Illness Insurance coverage, you cannot add Bowtie Children’s Growth Term CI Insurance for now.
You might wonder the possibility of reducing the existing critical illness coverage to purchase Bowtie Children’s Growth Term CI Insurance?
In this case, you are advised to pay attention to the following potential risk: during the addition process, the insured may fail underwriting due to health conditions, resulting in loss of original coverage without gaining new protection!
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