Hong Kong’s First Virtual Insurance Company

Bowtie is an authorized virtual insurance company that meets the same high standards that customers and Insurance Authority expect of traditional insurers. Backed by Sun Life and leading international investors, Bowtie offers commission-free Voluntary Health Insurance Scheme (VHIS) Standard Plan.

About Us

Experience a Fully Digital
Insurance Platform

powered by modern technology

Complete Autonomy

You can apply, get insured and claim directly through our powerful online platform. If you have any questions, you can contact our customer service team for assistance.


No Strings Attached

Our policies are paid monthly on a pay-as-you-go basis, commission-free and have no surrender fees. No medical examinations are required.


Intelligent Automation

Your personal data is verified and secured with our double encrypted system. By using technology to reduce operational costs, we strive to maximize the insurance value for you.

VHIS - Premium calculator

Specialized in

The VHIS (Voluntary Health Insurance Scheme) is a policy initiative introduced by the Food and Health Bureau to regulate indemnity hospital insurance plan offered to individuals.
Company Registration Number: 00023 Effective Date of Registration: 21 March 2019
Plan Details

Annual limit up to HK$420,000 covering hospitalization expenses, surgery and doctor's fees

Coverage extended to include unknown pre-existing conditions, diagnostic imaging tests (CT, PET and MRI scans), non-surgical cancer treatments and psychiatric treatments

No lifetime benefit limit. Can be renewed up to age 100

Premium is eligible for tax deduction of up to $8,000 per insured person*

Certified doctors and nurses from Bowtie professional medical team are on standby to serve you

*For reference only. Please contact your tax consultant for any tax advice.

Want to Know More about Bowtie‘ s Products?

*BowtieCash pays for your medical costs that exceed your VHIS Standard Plan coverage (1)

(1) Subject to terms and conditions. For details, please refer to BowtieCash Program.

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The Bowtie team is full of entrepreneurial spirit and passion needed to transform the insurance industry. As technology continues to rise, I believe the insurance market needs a new force like Bowtie to bring basic medical protection to every Hong Kong citizen.

John Tsang
Former Financial Secretary

As part of our digital transformation strategy, this is a strategic investment by Sun Life in a Hong Kong based start-up that strengthens our market position. We believe in Bowtie's vision and commitment to enhancing the customer experience. Our investment complements our business, while enabling new distribution modes through the latest technology and digital innovations.

Fabien Jeudy
CEO of Sun Life Hong Kong

The first virtual insurer (Bowtie) approved under the Fast Track is a local startup interested in providing products with simple structure, high protection element and low premium through bespoke digital distribution channels without the involvement of intermediaries.

Insurance Authority of Hong Kong

Strategic Investor of Bowtie,
established in Hong Kong for



Apply for Bowtie VHIS Flexi Plan

#BowtieCash allows you to pay for eligible medical costs that exceed the VHIS Standard Plan coverage. For details, please refer to the campaign rules of the BowtieCash Program.