Insurance

Golf Insurance in Hong Kong: Coverage and Comparison

Updated on 2025-06-19

Disclaimer: This article is translated with the assistance of AI.

Golf is booming in Hong Kong, but many overlook specialized insurance options. What is golf insurance? Let Bowtie break it down for you – from essential coverage to smart plan comparisons on the market.

What is Golf Insurance?

Golf insurance is a specialized product designed specifically for golf enthusiasts, protecting the insured against various risks during golf activities, such as injuries, property loss, and third-party liabilities caused by accidents.

Golf Insurance Coverage

Golf Equipment and Personal Belongings

Golf insurance covers risks to your golf clubs, bags, trolleys, and other equipment if they’re damaged by accidents on the course or during transport. It also protects against accidental damage or loss of personal belongings while on the course.

Third-Party Liability

This insurance safeguards you against legal responsibilities if your negligence or an accident during practice or play injures a third party or damages their property. For instance, if your golf ball hits another player or their car, it could cover medical expenses, repair costs, or even legal fees.

Personal Accidents

If you suffer an accident while practicing or playing on the course, resulting in death, permanent total disability, loss of limbs, or blindness, you’ll receive a lump-sum compensation.

Medical Expenses

Accidents on the course that lead to medical needs are covered, including hospital treatment, dental care, traditional Chinese medicine, or bone-setting services.

Hole-in-One

Traditionally, nailing a rare hole-in-one means you’re on the hook to buy drinks for your fellow players to celebrate. Most golf insurance policies cover the costs of this celebration, with some offering cash rewards and others reimbursing actual expenses.

Other Coverages

Beyond the main protections, some golf insurance policies also include coverage for canceling golf trips, 24-hour global emergency assistance, funeral expenses, temporary substitutions, repatriation of remains, and even compensation for club membership fees.

⚡Hurry! Bowtie Touchwood Protector Flash Deal Ends Soon!

Accidents may seem minor, but without prompt treatment, they can lead to long-term complications!

Bowtie Touchwood Insurance provides comprehensive coverage for accident-related treatments, including physiotherapy, chiropractic care, traditional bone-setting, and outpatient services. Get complete protection for all your medical needs!

Use the exclusive Bowtie Blog promo code [BLOGENGINSURE] to purchase Bowtie Touchwood Protector and enjoy a 65% discount on your first year’s premium. Secure top-tier accident protection at an unbeatable price!

Compare Golf Insurance Plans

Currently, more than 10 insurance companies in Hong Kong offer golf insurance products. Recently, the Consumer Council compared 12 plans from 9 insurers, and the Bowtie team has summarized the key highlights for you:

*Coverage Area*	Worldwide coverage Some plans exclude North Korea, Vietnam, Laos, and Cambodia
*Eligibility Conditions*	Minimum age is often 18, though some policies accept children as young as 12 or 16; maximum age ranges from 65 to 75 Most policies are for Hong Kong residents and non-professional golfers only
*Third-Party Liability Coverage*	Depending on the plan level, maximum payout ranges from $3 million to $10 million Some plans include a deductible of $500 to $1,000
*Golf Equipment Coverage*	Maximum payout ranges from $15,000 to $40,000 Per item maximum ranges from $1,500 to $5,000 Some plans have a deductible of $200 to $250
*Personal Belongings Coverage*	Maximum payout ranges from $5,000 to $20,000 Per item maximum ranges from $1,000 to $3,000 Some plans have a deductible of $200 to $250
*Personal Accident Coverage*	Death/permanent total disability: Ranges from $250,000 to $1 million (depending on age and circumstances) (Depending on the insured’s age and accident details) Loss of limbs/blindness: Ranges from $150,000 to $1 million (Depending on the insured’s age and accident details) Temporary disability leading to loss of work ability: $400 to $500 per week
*Medical Expenses Coverage*	Maximum payout ranges from $5,000 to $50,000 Some plans provide payouts as hospital cash benefits
*Hole-in-One Compensation/Reward*	Maximum payout ranges from $15,000 to $40,000, with some policies having no limit Per occurrence maximum ranges from $3,000 to $10,000 Some plans have restrictions on course specifications
*Premiums*	Individual premium: $300 to $980 per year Family premium: $510 to $1,680 per year

Common Exclusions in Golf Insurance

Here are some common exclusions in golf insurance that policyholders should note:

Any damage to golf equipment caused by wear and tear
Property loss or damage to golf equipment occurring outside of playing or practicing at a golf course or club
Injuries or death not caused by playing or practicing

Should I Get Golf Insurance If I Already Have Health, Accident, or Life Insurance?

Health insurance, accident insurance, and life insurance can certainly cover some risks associated with golf, such as compensating for medical expenses through health or accident insurance, providing payouts for disabilities via accident insurance, and offering death benefits based on the policy amount through life insurance.

However, these policies don’t fully address all potential golf-related risks, like damage or theft of golf clubs and equipment, or accidents where a golf ball hits someone else’s property or causes injury.

So, if you’re a golf enthusiast who plays or practices frequently, or if you own expensive golf gear, it’s worth considering a specialized golf insurance product to cover those gaps.

Is Golf Insurance Enough? Do I Need Health, Accident, or Life Insurance Too?

Yes, you do. As mentioned earlier, golf insurance only covers risks from accidents during play or practice at a golf course or club, so you’re not protected outside of that—for example, for injuries from a traffic accident or hospital stays due to illness.

Plus, the compensation for personal accidents and medical expenses in golf insurance is typically basic and limited. Adding health, accident, and life insurance ensures your coverage is more comprehensive and robust.

Author

Bowtie Team

The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021. Stay up to date at www.bowtie.com.hk