Product Philosophy
Product Philosophy
Why Might Bowtie Touch Wood Protector Be The Best Accident Insurance in Hong Kong?
Author
Bowtie Team
Updated on
2025-06-19
Disclaimer: This article is translated with the assistance of AI.
Wondering if Bowtie’s Touch Wood Protector accident insurance is worth it? We’ll compare it with other market options on premiums, coverage, and more, highlighting five key advantages from our team, plus genuine customer feedback to help you decide.
✨Unique Advantage 1: Covers All Accidents, Big and Small
Compared to other accident insurance products on the market with their ‘all-in-one’ (death + disability + medical + hospitalization cash allowance) design or lump-sum compensation, Touch Wood Protector focuses on the long-term treatment and rehabilitation needs of the insured after an accident.
Our product covers both minor and major accidents, providing actual cost coverage for necessary treatment expenses within 12 months after the accident. The coverage includes:
- Physiotherapy, chiropractic (spinal therapy), and traditional Chinese orthopedic treatment
- Outpatient services (such as wound cleaning and stitching)
- Hospitalization and day surgery (including ward and meals, attending doctor’s rounds, hospital miscellaneous fees, specialist fees, as well as surgeon fees, anesthesiologist fees, and operating room fees for surgery)
- Specified diagnostic imaging tests (with a 30% co-insurance)
✨Unique Advantage 2: Coverage for High-Risk Jobs and Children
Accident insurance doesn’t cover illnesses, only accident risks, so underwriting is generally straightforward but often considers the policyholder’s job risks to decide on approval.
Most insurance companies typically don’t cover high-risk occupations, such as those in disciplinary forces, construction workers, professional drivers, high-altitude workers, athletes, and jockeys; however, Touch Wood Protector covers over 700 types of occupations. We’re happy to provide protection for those in these high-risk industries, including medical expenses from accidents during work.
Additionally, many accident insurance policies on the market only cover adults aged 18 or above, and even the more flexible ones might only go down to 15 years old; but Touch Wood Protector welcomes children, accepting applications for kids aged 2 and above.
✨Unique Advantage 3: Worldwide Coverage Applies
Some insurance companies’ accident policies don’t specify coverage areas, and even if they do, they might not offer global protection; whereas Touch Wood Protector provides worldwide coverage*, with no restrictions on hospital ward levels and no compensation adjustment factors.
- * Psychiatric treatment coverage is limited to Hong Kong only
Unique Advantage 4: Highly Cost-Effective
Touch Wood Protector offers up to HK$420,000 in annual accidental medical coverage, with monthly premiums starting as low as $48 – that’s just the price of a lunch! It’s a fantastic value for money. The table below shows the premiums for Touch Wood Protector across different ages for your reference:
| Insured’s Age | Male Monthly Premium | Female Monthly Premium |
| 10 | $45 | $42 |
| 20 | $58 | $48 |
| 30 | $62 | $48 |
| 40 | $63 | $52 |
| 50 | $78 | $60 |
- ^ The monthly basic premium for 30-year-old females is $48
✨Unique Advantage 5: No Waiting Period, Easy Application Process
Like other Bowtie products, applying for Touch Wood Protector requires no medical exam – it’s all done online, and the whole process can be completed in as little as 10 minutes. Plus, there’s no waiting period, so you’re covered instantly once approved.
Real Customer Sharing: Why Choose Bowtie Touch Wood Protector?
Sophia Chan, 44 years old | Research Manager
Sophia Chan, 44 years old | Research Manager
Insured Plans:
For my husband and two children – Bowtie VHIS Flexi Regular, Bowtie Touch Wood Protector
For my husband – Bowtie Cancer Fighter and Bowtie Term Life
- Why did you choose Bowtie?
You can buy it without an agent, giving you more flexibility in choices, and the customer service responds super quickly during the application process, which really builds confidence in their service.
- How was your claims experience?
When my child fell and needed a cast, I reached out to Bowtie customer service right away. They responded lightning-fast with clear instructions, and in the end, I got the full payout—talk about a satisfying claims rate!
Joe, 43 years old | Office Worker
Joe, 43 years old | Office Worker
Insured Plans:
Bowtie VHIS Flexi Regular, Bowtie GHK Wellness Package, Bowtie Cancer Fighter 2M, and Bowtie Touch Wood Protector
- Why did you choose Bowtie?
Online insurance is more affordable, and even without an agent, you get real customer service reps who pick up the phone. After checking the online reviews, which were pretty glowing, I went with Bowtie.
- How was your claims experience?
After getting injured, I was anxious and worried about healing quickly while also handling the claims process. Luckily, the claims advisor guided me step by step on what to do—it felt so straightforward and even friendlier than dealing with some agents!
Ms Wong, 33 years old | Clerk
Ms Wong, 33 years old | Clerk
Insured Plans:
Bowtie Touch Wood Protector
- Why do you need this type of insurance?
Young people often have more accidents, and if you hurt your hands or feet and need physiotherapy or traditional treatments, you can actually claim for it.
- Why did you choose Bowtie?
Bowtie’s online application process is incredibly straightforward, and the policy details are totally transparent, so I did my homework before buying.
Jessica, 27 years old | Interior Designer
Jessica, 27 years old | Interior Designer
Insured Plans:
Bowtie VHIS Flexi Regular, Bowtie Cancer Fighter 2M, Bowtie Touch Wood Protector, Bowtie Term Life
- Why do you need this type of insurance?
As you get older, you start worrying about potential illnesses or unexpected events, so it’s smart to plan ahead.
- Why did you choose Bowtie?
Bowtie’s application is simple and speedy, and you can get all the policy details and info straight from their website without worrying about aggressive sales pitches from insurance brokers.
Get insured right now for yourself and your loved ones with the high-value Bowtie Touch Wood Protector that covers all kinds of accidents!
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