Bowtie's mission is simple —

Here to help, not to sell.

Centuries ago, coal mining used to be very dangerous. There would be a jar at the mine entrance to collect money from everyone going in. If a miner didn't make it out, the jar of money would be given to their family…That pure intention is the root of Bowtie.

Over time, the industry changed. In Hong Kong, buying insurance now means dealing with fear. People worry about complex rules, rising premiums, pushy sales, and rejected claims.

Fred and Michael, two local actuaries, aim to fix this. They share a vision to ”Make Insurance Good Again”,through technology. Their goal is to create honest insurance products—ones they trust for their own families.

We believe insurance should be:

Easy to understand
We explain the coverage clearly and assist you to choose the right plan.
Making insurance easy to understand:Find our latest jargon-free videos and articles on Bowtie YouTube and in the Insurance Learning Centre
Talk to an expert, not a salesperson: Get personalized, one-on-one advice from our product specialists.
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Value for money
We have real people give you personal, one-on-one support.
Save up to 38%¹on VHIS premiums compared to similar plans on the market.
Average annual VHIS premium increase maintained at 6.78% (Compared to 10.3% medical inflation.)
Truly helpful
We have real people give you personal, one-on-one support.
Customer Satisfaction: 91.2%
Hotline Connection Rate: 94.4%
Live Chat Instant Response Rate: 98.1%
Smooth Claims
No hidden tricks. We pay claims without using fine print as excuses.
VHIS Claims Success Rate: 98.3%2
Average Claims Approval Time: 6 days3
¹ Based on a market survey conducted by Bowtie on November 19, 2025, regarding similar VHIS Flexible Plans. The plans must cover Ward level, include "SMM (Supplementary Medical Benefit)," and have a "Room & Board" limit between $800 - $1200. The comparison is calculated based on the premiums of non-smoking males aged 30 to 59, using the average of the 30-year cumulative current standard premiums of these similar plans for comparison. Premiums are rounded to the nearest whole number. The coverage and benefit limits of different medical insurance plans vary; please refer to the relevant policies and their terms and conditions for details. The calculated premiums are for reference only; the actual premium you need to pay is subject to factors such as timing, inflation, and underwriting, and is subject to the premium levy collected by the Insurance Authority.
² The above represents the average approved claim rate for Bowtie VHIS "Standard Plan," "Flexi Plan - Basic," "Flexi Plan - Upgrade," and Bowtie Pink as of February 2025. Claim results depend on actual circumstances and the complexity of individual cases.
³ From December 2024 to November 2025, the median processing time for Bowtie VHIS claim cases was 6 working days.

Authorized in 2018, Bowtie is Hong Kong’s first virtual insurer. Over the past six years, we’ve stayed true to our roots: using technology and medical expertise to provide a 100% digital experience.

We focus on what matters—high-quality, pure protection with zero savings components—to truly take care of your health.

Total amount of Insurance Coverage
$0B+
*As of May 2025 in Hong Kong Dollars. Total amount equals life insurance coverage + health insurance coverage.
Total Customers
0+
*Key Performance Indicators (KPIs) as of August 31, 2025.
With the advancement of technology, I believe that the market needs a new force to introduce basic medical protection to every Hong Kong citizen.
John Tsang
Bowtie Senior Advisor

Our Investors

Top industry players and our first round and B1 round of financing has exceeded HK$1 billion.

Our Team

The professional team at Bowtie consists of actuaries, medical practitioners, customer service specialists, software engineers, designers, marketing and insurance professionals, many of whom come from the top 10 insurance companies. We want to build an innovative, professional and passionate team to reinvent the online insurance experience for our customers through technology.

Our Achievement

High-Growth Companies Asia Pacific 2025
  • Bowtie ranked #1 in Hong Kong and #65 in the APAC
Financial Times & Statista
2025
I&D Appreciation Awards 2025
  • I&D Companion Award
Dialogue Experience
2025
The Hong Kong Insurance Award 2024
  • Excellence in KOL Partnership Award (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2024
CHO Appreciation Award 2024
  • Top 10 Happy Companies to Work For
Chief Happiness Officer Association
2024
InsurTech 50 list
  • One of The Most Promising Insurtech Startups
CB Insight
2023
Top 150 InsurTech list
  • One of The Top Digital Insurers
CNBC & Statista
2023
2023 Hong Kong Top Service Brand Awards
Hong Kong Brand Development Council
2023
The Hong Kong Insurance Award 2023
  • Outstanding Financial Education Award (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2023
HKDA Brand Design Awards 2022
  • Grand Award of the Year
Hong Kong Designers Association
2022
The Hong Kong Insurance Award 2022
  • Outstanding Claims Management Award (Finalists)
  • Outstanding Initiative on Community Health Crisis Award (Finalists)
  • Most Innovative Product/Service - Voluntary Health Insurance Scheme (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2022
The Hong Kong Insurance Award 2021
  • Outstanding Financial Education Award (Finalists) 
  • Outstanding Industry Impact Award (Finalists) 
  • Most Innovative Product/Service - Voluntary Health Insurance Scheme (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2021
The Hong Kong Insurance Award 2020
  • Excellence In Digital Transformation Award (Finalists) 
  • Outstanding Marketing Campaign Award (Finalists) 
  • Most Innovative Product/Service - Life Insurance (Health) (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2020
The Hong Kong Insurance Award 2019
  • Excellence In Digital Transformation Award (Finalists)
The Hong Kong Federation of Insurers & South China Morning Post
2019
IFTA FinTech Achievement Award 2018
  • Diamond Award (Startup)
Institute of Financial Technologists of Asia
2018