Bowtie Online Medical Insurance

Bowtie VHIS

New Bowtie & CUHKMC Wellness Package

From health checks to treatment claims, we’ve got you covered.

Existing Customer Offer

70% Off For Term Life & Term CI

Limited offer until 30 April, 2024, Act now!

Here to Help, No Hard Sell

1-on-1 Claim Specialist

Easy claim process, support you from admission to discharge.

Bowtie VHIS

Automatically Upgrades For 3 Consecutive Years

A revolutionised insurance experience

We’re here to help, not to sell

Everything done online

Online application can be completed within 10 minutes
Instant call or Whatsapp to answer inquiries

Our Claims Specialist are here for you

98.9% of cases can be successfully approved.4
On average, approval is given within 5.63 business days.5

Your health is what we care

We have private outpatient clinics, providing preventive and personalized health services, focusing on taking care of your health!

Trusted by over 100,000 customers6

Why customers choose Bowtie →

Edward Hung

CS provide detailed answers to my questions.
Customer Experience

Sick CAT

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


Claims are cleared and paid out with efficiency.
Claim Story

Natalie Leung

Speedy and friendly application approval process, appreciate it!
Google Review

Highly praised by the industry

Policy sold through direct channel 1
Insurance brand that customers think are best value in money 2
Customer satisfaction 3

Over 100,000 customers

Bowtie Secures US$34.9 Million Series B2 Funding

No.1 in Direct Insurance Sales since 2021
No.1 Insurance Brand in "Value for Money" Score among Customers

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.
John Tsang GBM, JP
Former Financial Secretary of HK
Senior Advisor

Need any assistance?

Contact customer services
Mon to Fri: 9:30 am – 6:30 pm
Sat, Sun & Public Holidays: Closed
Contact claim specialist
Mon to Fri: 9:30 am – 6:30 pm
Sat, Sun & Public Holidays: Closed
How to claim
1 According to Insurance Authority’s Provisional Statistics for Long Term Business for the whole year of 2021-2022, and the first half of 2023, Bowtie Life ranked first in number of new individual paid policies through Direct channel in Hong Kong
2 According to data analysis by YouGov, an international market research organization, Bowtie has been the "Insurance brand with the most customers considering it to be good value for money" in Hong Kong for two consecutive years since 2021. Value for money doesn’t just mean “cheap”, but means that it can bring value and services to consumers that are equivalent to the price.
3 According to the internal data, customer satisfaction score is 93% out of 165,000 interactions with our customers since 2019.
4 Above is the average approved claim case ratio for Bowtie VHIS Standard Plan, Bowtie VHIS - Flexi Regular, Bowtie VHIS - Flexi Plus, and Bowtie Pink as of August 2023.
5 As of August 2023, the average review time for overall claim cases at Bowtie stands at 5.63 business days. The review period may be influenced by factors such as the complexity of the actual case, waiting time for medical reports, or other supplementary documents.
6 The above information is for reference only. For detailed terms and conditions, product risks, and exclusions, please refer to the relevant product website and policy.The policyholder should consider and choose appropriate insurance products based on their personal needs and affordability. If you have any questions, you can contact Bowtie's customer service team for further information.
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