Insurance

Can I Buy Critical Illnesses Insurance For My Newborn?

Author Bowtie Team

Updated on 2025-06-03

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

Why do babies need critical illness insurance? Which product in the market provides the best coverage for your child?

(When) Should I Buy Children’s Growth Term CI?

A new life brings infinite joy to the family, and as parents, you naturally want to provide the most comprehensive protection for your children.

However, many consumers find that general voluntary medical insurance has coverage gaps (see the table below), which cannot fully meet the protection needs of expectant mothers and infants.

In view of this, we have specially launched Bowtie Children’s Growth Term CI to fill the gaps in medical insurance and support you in caring for your children.

What does it cover?	General VHIS	Bowtie Children’s Growth Term CI
Medical conditions within the first 15 days after birth	❌	✅
Congenital diseases diagnosed before age 8	❌	✅
Pregnancy complications from the 18th week of pregnancy	❌	✅

If a child is unfortunately diagnosed with a serious illness and requires treatment, parents often need to adjust their work arrangements, such as switching from full-time to part-time employment, or even resigning to provide full-time care.

In such situations, the family not only faces increased medical expenses but also a significant reduction in income due to work changes.

A lump-sum payout from critical illness insurance can play a crucial role in alleviating financial pressure, allowing parents to focus on accompanying and caring for their child during the critical 1 to 2 years.

Why Should I Avoid Insurance With Saving Components?

Although there are many critical illness insurance products on the market targeted at unborn babies, most include a savings component, resulting in higher premiums.

We understand that the costs of raising children are increasing, so we have designed this pure protection term product to allow parents to use their budget more flexibly and invest more resources in their child’s development.

Additionally, our premium structure is tailored to real needs—as the child ages, the risk of congenital or genetic diseases decreases, and premiums are adjusted accordingly to accurately reflect the risk levels at different ages.

Key Coverages Items of Bowtie Children’s Growth Term CI

Protection for Pregnant Mothers^

Bowtie Child Growth Critical Illness Insurance covers 10 types of pregnancy complications diagnosed in Hong Kong, with a lump-sum payout of $100,000, including:

Amniotic fluid embolism
Miscarriage
Medically induced abortion as specified
Fetal death
Hysterectomy due to postpartum hemorrhage

^ Pregnant mother coverage applies only to customers who apply for insurance between 18 to 31 weeks of pregnancy, have completed the “structural scan” before application, and the report shows no abnormalities.

Coverage from Baby’s Birth to 18 Years Old*

Bowtie Children’s Growth Term CI covers 76 types of genetic diseases diagnosed in Hong Kong, as well as congenital and childhood diseases and treatments.

We will provide lump-sum compensation in different proportions based on the severity of the disease, risk of death, and the impact on the child’s daily life and development, ensuring that the coverage meets actual needs.

Coverage from Baby’s Birth to 18 Years Old	Examples
Covered Genetic Diseases	Severe Maple Syrup Urine Disease ^# Severe Classic Congenital Adrenal Hyperplasia ^# Angelman Syndrome ^$
Covered Congenital and Childhood Diseases and Treatments	Severe Hemophilia ^# Cancer (including Leukemia) ^# Benign Brain Tumor ^# Kawasaki Disease with Heart Complications ^$ Rheumatic Heart Valve Disease ^$ Severe Autism ^$ Severe Attention Deficit Hyperactivity Disorder ^$
Other Newborn Medical Conditions	Phototherapy for Severe Jaundice for at least 5 days (applies only to customers who have insured their child before birth) ^@ Hospitalisation in the Intensive Care Unit for at least 72 hours ^@

# Compensation of $500,000
$ Compensation of $150,000
@ Daily compensation of $2,000, up to 10 days
* After the policy takes effect, the insured will only receive compensation if diagnosed with a covered disease/situation or passes away after the “waiting period”. For insurance successfully purchased before the child is born: there is a 30-day waiting period after policy effective date for protection for the mother; and a 90-day waiting period for “Congenital and Childhood Diseases and Treatments” from the date of birth for the child. No waiting period for other coverages. For insurance successfully purchased after the child is born: there is a 90-day waiting period after policy effective date. Each disease and situation must meet the definitions of covered diseases, critical illnesses, and surgical procedures to receive compensation.

You Can Purchase Starting From The 18th Week Of Pregnancy

Policy Age and Conditions

Policy taken before the child is born

Mothers aged 18 to 45 years, with a single pregnancy between 18 to 31 weeks
Have completed the “detailed ultrasound” scan with no abnormalities in the report
The unborn child must be delivered in Hong Kong

Policy taken after the child is born

Individuals aged 15 days to 17 years

How Much is Bowtie Children’s Growth Term CI?

Bowtie Children’s Growth Term CI Premium Table ($500,000 Coverage, By Month)

Age	Male	Female
Pregnancy weeks 18 – 31	591 ＾	591 ＾
0	591	591
1	304	224
2	264	184
3	242	162
4	222	142
5	212	132
6	207	127
7	202	122
8	197	117
9	192	112
10	145	105
11	140	102
12	130	97
13	125	95
14	94	89
15	89	86
16	79	81
17	74	79

* Pregnancy period premiums apply from the policy effective date until the first renewal date. Subsequent premiums will be based on the insured child’s age, specifically the age reached on their last birthday.

Get a quote below~

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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