Author
Bowtie Team
Updated on
2025-06-03
Disclaimer: This article is translated with the assistance of AI.
As parents, nothing worries us more than our kids getting sick or feeling unwell. That’s why many opt for children’s health insurance. Is it essential? How does Bowtie voluntary health insurance measure up for your little ones? Can you actually claim? We’ve gathered real opinions from Baby Kingdom parents to help you decide.
Is Medical Insurance Necessary for Children?
A Baby Kingdom user posted asking when children should start getting health insurance. The concern is that, when no beds are available in private hospitals in reality, the child has no option but to go to a public hospital. So, is it a waste of money to insure your child?
Another user responded that children are more prone to illnesses like fevers, and having health insurance provides protection, and advised that insurance should be purchased unless parents are confident they can cover the costs of serious illness treatments.
Overloading in public hospitals is no longer news, with wait times for examinations and consultations potentially lasting six months or even over a year. Therefore, as long as premiums are affordable, it’s better to buy health insurance as early as possible.
Once children are covered, parents can freely choose between public and private healthcare systems. Private systems generally offer more comprehensive and flexible services, and the high costs can be reimbursed accordingly.
See what Baby Kingdom users think
User “Vin_ng” believes that as long as parents can afford the premiums, they should buy health insurance for their children early, as illnesses are unpredictable. They noted that private hospital bed shortages are occasional, but they are more concerned about public hospital services and environment, especially during outbreaks.
User “sytamling” shared that they have already insured their child and had positive claim experiences. Their child once stayed in a public hospital, and in comparison, the experience with hospitalization and “accompanying beds” was more negative.
As for when to insure children, user “adamadamkck” mentioned that babies as young as 0 years old can get Bowtie VHIS health insurance (parents can apply once the infant is 15 days old), and online application is very convenient.
Why Choose Bowtie For Your Child?
Since health insurance for children is better bought early, which insurance company should you choose? It turns out that on Baby Kingdom, many users support Bowtie’s VHIS as a way to protect their children’s health. What are the reasons behind this?
A Baby Kingdom user pointed out that Bowtie’s most affordable plan has premiums more than half lower than those of another “B-starting” insurance company.
User “See what Baby Kingdom users think
User “Pigpigzhu” bought what they called the “city’s cheapest” Bowtie after comparing prices; another user “rachel97” only bought Bowtie’s VHIS insurance as a safeguard.
User “Katie1010” thinks Bowtie’s flexible VHIS plan offers sufficient coverage, is reasonably priced, and has no agent commissions.
Sharp-eyed user “stella899” knows that Bowtie’s largest investor is Sun Life Financial, which gives them peace of mind, and they noted that Bowtie’s VHIS premiums are affordable.
Is Bowtie’s Customer Service Good?
As mentioned earlier, Bowtie has no agent sales channels, so it’s natural for policyholders to worry about whether they’ll get help when applying for policies or making claims. What do BK netizens say?
See what Baby Kingdom users think
Netizen ‘tinhengjai’ initially thought that applying for claims with Bowtie would be troublesome, but after trying, he found the customer service to be quite good.
Netizen ‘magyu’ is a Bowtie VHIS customer; he thinks the company’s customer service is excellent, with fast responses, and you can query CS online anytime.
Netizen ‘annie133’ says that Bowtie’s customer service phone is quickly answered by a real person who resolves questions, and she is considering purchasing a policy.
Many netizens are satisfied with Bowtie’s customer service team’s performance, finding them friendly and able to quickly answer customers’ questions.
Bowtie offers one-on-one real customer service, including customer service representatives for product and policy inquiries, product specialists for advice and consultations, health specialists for health check referrals, and claims specialists for claims support.
Bowtie’s customer service has no commission incentives, allowing them to make product recommendations objectively based on clients’ needs, so clients don’t have to worry about aggressive sales.
Is it Easy to Claim with Bowtie Insurance?
On the BK discussion forum, many netizens have indicated that Bowtie VHIS claims are quite sufficient (with adequate compensation) and they are satisfied with the claims process.
In fact, Bowtie provides one-on-one claims specialists to assist customers with health insurance claims. Since the company’s establishment, it has handled over 70,000 claims cases, with an average processing time of 4.4 working days*, and an overall claims approval success rate of 99.53%^.
- * As of March 2024, the average processing time for Bowtie’s overall claims cases is 4.4 working days. Processing time may be affected by the complexity of the actual case, waiting for medical reports, or other supplementary documents.
- ^ As of February 24, 2024, this includes the claims approval success rate for all Bowtie insurance products, including group medical insurance plans.
How Much Does It Cost to Insure Your Children?
How to Get The Best Coverage For My Child?
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