Author Bowtie Team
Updated on 2025-06-11
Disclaimer: This article is translated with the assistance of AI.
Since 2020, Bowtie has handled over 50,000 customer inquiries. Curious about buying Bowtie VHIS online? We put it to the test! Discover if you can apply in minutes, without a medical exam, even with pre-existing conditions. Curious to learn if you can get VHIS coverage without a medical check-up, even with pre-existing conditions? Don’t miss this real-life walkthrough!
Declare Health Status: No Login or Personal Data Needed
Generally, traditional insurance companies meticulously inquire about an applicant’s health status before approving a policy, and even questions involving personal privacy cannot be refused. If they ultimately determine that the applicant does not meet the eligibility criteria, the underwriting process may leave a record of “denied coverage,” which could affect their applications with other companies.
Bowtie’s approach is different. Applicants only need to provide minimal personal information, such as their name and email address, when they decide to apply for coverage. In other words, unless you officially become a Bowtie customer, we will not ask for your identity document details.
Bowtie’s Online Application Process Explained
One of Bowtie’s biggest selling points is our fully online underwriting system. According to internal test records, the application can be completed in as fast as 4 minutes. Is it true? Let’s put it to the test right now!
- Before officially starting, you’ll need to promise to answer truthfully by simply ticking the “I agree” box.
- Then you will enter the health declaration (i.e., underwriting) page.
- The system will ask for simple details like your gender, age, and height. Most of these are multiple-choice questions, and you don’t even need to manually input your occupation.
- Next are 15 health-related questions (the exact number of questions depends on the applicant’s situation).
- Upon completion, the system will re-confirm your monthly premium based on your answers, as well as any additional riders or exclusions.
The system will also provide a premium reference for the next 5 years.
At this point, the underwriting process concludes. Although the editor in this real-life test couldn’t finish within 4 minutes, it only took 8 minutes!
If you decide to apply for insurance, you will need to fill in your personal details and contact information.
Simply take a photo with your phone and upload identity documents such as your HKID card. If it’s not convenient to do it immediately, you can choose to submit them later.
Paying Your Insurance Premium
Next, the system will ask the applicant to register as a member.
- After successful login, the applicant will need to provide credit card details. However, the system will not deduct the premium immediately. Bowtie will only charge your card after the policy has been successfully approved.
- Enter the 6-digit verification code received on your mobile phone.
- The system will re-confirm the plan’s terms and conditions with you.
If everything is in order, the entire application process is easily completed here!
Bowtie Policy Approval Process
If your health condition is ideal, for example, you don’t have chronic illnesses or haven’t been hospitalised for surgery, there’s a high chance your application will be submitted smoothly, and the policy could be approved in as fast as 5 business days. However, if you suffer from certain diseases or have a medical history, you might be redirected to the following page.
I conducted a second test, indicating that I suffer from high blood pressure, requiring regular medication and follow-up appointments. As a result, it was flagged as a ‘case requiring follow-up’.
After completing the information, a Bowtie customer service colleague contacted me via email the next afternoon for further follow-up. They did not ask me to undergo a physical examination or submit a medical report. The customer service representative stated that I only needed to clearly explain whether my blood pressure had exceeded normal levels in the past year, provide relevant blood pressure readings, names of current medications, and any other illnesses or hospitalisation records (if any) to proceed with the application.
After answering each question, if no additional documents or changes are required, you can rest assured and wait for Bowtie’s approval notification.
Approximately 2 working days later, Bowtie notified me via email and SMS that my insurance application had been successfully approved. Detailed terms, such as the final premium, additional loading, and exclusions, can be viewed by logging into the online platform.
Summary
Overall, the application process was convenient and smooth; I completed the application in just 8 minutes. Bowtie’s customer service colleagues were also very professional, providing timely assistance and clearly reminding me which documents needed to be submitted.
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