Quote Now

Get insurance
when you want,
where you want

Apply online

Get a quote in
10 seconds
Premium Calculator →

I want assistance

Guaranteed response
within 2 working days
Ask us anything →
零中介,投保毋需驗身
Apply in as quick as 10 minutes
and proceed your policy within 5 working days

No middleman, No medical examinations necessary

Unlike traditional insurers that can take up to 3 weeks to process applications, Bowtie offers instant quotations and a concierge service team dedicated to help you throughout the entire process.

How to apply in 5 simple steps
Over 90% of customers who sought Customer Service assistance were happy with their experience

Meet our Medical Concierge Service Team

Got a questions? Call 3008 8123^ or contact us via email. We will get back to you within 2 working days.

How to file a claim online
比你更着緊的註冊醫護及客服專員為你服務
Sunlife Logo

Backed by Sun Life Financial
Our strategic investor with 129 years of service in Hong Kong

Bowtie raised HK$234 million from Series A round, and is a life insurance company authorised by Hong Kong's Insurance Authority.

自保時代說明書 — 曾俊華專欄 →
John Tsang and Fred
In the media
In the Media
Financial Times
Bloomberg
TC
SCMP
信報
now新聞
Apple Daily
香港01
Over 90% of customers who sought Customer Service assistance were happy with their experience

Got a question?
We're here to help.

Call 3008 8123^ or email us.
We will get back to you within 2 working days.

Ask us anything

Powered by the top-rated cloud

Bowtie's core systems including policy services, underwriting and claims, all operate on the cloud to ensure the highest level of data security and stability.

Audited for maximum security

Bowtie’s core application systems have undergone a series of rigorous network security testing by Wizlynx Cyber Security Limited, which greatly reduces the customer data leakage risk induced by cyber-attack, those core applications have passed the standard security testing, Bowtie's customers can use our services with confidence that custom’s data is properly stored and protected.

Remarks:
^The service hours of Bowtie customer service hotline 3008 8123 are Monday to Friday from 9am to 7pm and Saturday from 10am to 2pm.
1 Bowtie’s Cancer Fighter Insurance Plan covers all levels of malignant and carcinoma in situ, except for precancerous lesions, CIN I or CIN II abnormalities of the cervix, or all cancers that coexist with HIV infection.
2 Applicable to admissions to Semi-Private wards or tiers below. There is no restriction on the class of hospital room in which the insured person can be admitted to, however, an Adjustment Factor will be applied to the calculation of the hospital benefit, depending on the inpatient ward tier. Please refer to the benefit table for details.

Get medical
insurance online
anytime, anywhere

Bowtie VHIS

Choose benefit limit based on your needs
Ranging from $420K/yr to $50M/lifetime
Monthly premiums as low as $123¹ 

Quote Now
Learn More
Bowtie Term CI 

Covers over 98% of claims² 
Multiple 100% payouts each time⁵
As low as $118/month¹ for $1M sum insured

Quote Now
Learn More
Bowtie Term Life 

No savings component
The most affordable online option in the city#
As low as $38/month¹ for $1M sum insured,

Quote Now
Learn More
Bowtie Touchwood Protector

Covers from outpatient physical therapy to inpatient surgeries
As low as $62/month¹ for $420K sum insured

Quote Now
Learn More
Bowtie Cancer Fighter

Extensive coverage of cancer treatment expenses³ 
Carcinoma in situ⁴ and targeted drugs are also covered
As low as $57/month¹ for $3M sum insure,

Quote Now
Learn More

What's new?

3 years in retrospect

New Definition of Health Insurer

How does our initial vision lead us toward our goal?

Learn more

You deserve better insurance experiences

Everything is clear, simple and easy to understand. No badgering from agents. I can make my own choices. Good!

Sick CAT

Google Reviews
The insurance process can be easily handled by yourself. Quick approval and pretty affordable too.

Natalie Leung

Google Reviews
My family used to help me buy insurance. I always thought insurance was too complicated and that I would be pestered by agents…

Vanessa Chan

Google Reviews
No intermediary; here to help, no hard sell

Apply for insurance online yourself to save time.
Reach out to our Customer Service for assistance if needed! 

No savings component, lower prices for more comprehensive protection

We offer pure protection insurance that allows you to enjoy real protection at an affordable price.

No strings attached, maximum flexibility and autonomy

The monthly premium payment offer you greater flexibility. You may choose a different plan and adjust coverage at any time according to your needs in different life stages!

More on why you should choose Bowtie

Everything done online 

Apply online

Product information, benefit schedules and other information are all available on the website. After selecting a desired product, you can immediately get a personalised quotation and complete an application right away

Claim online 

Claim applications and estimations can both be done online. You can even view the progress of your claims online at any time. Got some questions for us? Contact our Claims Specialist anytime at 3001 5670!

Manage policy online 

Log in to Bowtie's online platform to view policy, remaining claimable amount , payment history and more. 

A track record of trust

Fully supported by Sun Life Financial and Mitsui & Co.
Trusted by industry leaders, the first round and B1 round of financing exceeded HK$400 million.
No. 1 in Hong Kong Online Insurance
3 years since launch, we hit over $40 billion in sum insured and provided pure protection to over 60,000 customers^
Mr. John Tsang
Serves as Senior Advisor
I believe that Bowtie’s insurance technology and pure protection products can help Hong Kong people get enough protection to fill the $6.9 trillion mortality gap in Hong Kong.
Remarks
¹ Calculated based on the standard premium of  30-year-old non-smoking male insured with Bowtie VHIS - Standard Plan, Bowtie Term Life HK$1,000,000 sum assured, Bowtie Cancer Fighter 300, Bowtie Touchwood Protector and Bowtie Term CI - Multiple Cover HK$1,000,000 sum assured.
² According to a critical illness survey conducted by a reinsurance company in Asia from 2008 to 2012 and the result of Bowtie market research.
³ Expenses for inpatient treatment covered by Bowtie Cancer Fighter will be limited to the restricted ward class. The benefit payable will be subject to an adjustment factor.
# According to Bowtie’s market research of annually renewable term life insurance products offered by online insurers with monthly payment mode conducted on June 24, 2022, the standard premium of Bowtie Term Life Insurance for non-smokers aged 24 to 65 are the lowest in the market.
⁴ Bowtie Cancer Fighter covers all levels of malignant cancer and carcinoma in situ but does not cover precancerous lesions, CIN I or CIN II cervical abnormalities, or all HIV-Associated Cancers.
⁵ Multiple claims benefit is subject to additional requirements, please refer to the policy terms and conditions for details and exclusions.
^ According to the provisional statistics of the Hong Kong insurance industry for 2021 - published by the Insurance Authority, Bowtie Life Insurance recorded the highest number of new Individual Life policies with premiums sold through direct sales (such as digital channels).
*From now until 16 Oct 2022, both existing and new customers can enjoy 30% off first-year premium for successful enrolment in any Bowtie VHIS Plan, Bowtie Cancer Fighter, Bowtie Touchwood Protector, Bowtie Term CI and Bowtie Term CI - Multiple Cover ; 50% off first-year premium for successful enrolment in Bowtie Term Life, with the code【OCTFLASH】.