"We believe that providing Group Medical is the first step to retaining employees, apart from salaries. As a small-scale F&B, never imagine we can get affordable plans with basic coverages and body check, especially for part-timers. The digital portal is also impressive as we can manage easily through few clicks."
We Serve, Not Sell
What is group medical insurance?
Group medical insurance (also called corporate medical insurance) is taken out by an employer for its employees as a group. Eligible medical costs from illness or injury are reimbursed according to the plan. The company pays the premium, and employees are not individually underwritten.
Group medical insurance
Individual medical insurance
Who takes out the policy
The employer, for its employees as a group
A person, for themselves
How premiums are set
For the group as a whole
On the person's own age and health
Underwriting and waiting periods
Generally simplified
—
When cover ends
Usually when an employee leaves
—
Group medical insurance
Employees' compensation insurance (勞保)
Required by law
No, voluntary
Yes, for every Hong Kong employer
What it covers
Everyday, non-work-related needs such as doctor visits, hospitalisation and surgery
Work injuries and occupational disease only
One does not replace the other.
What does group medical insurance cover?
Actual coverage, benefit limits and exclusions depend on the series and plan level chosen. Please refer to each plan's benefit schedule and the policy provisions.
Hospitalisation and surgery
Eligible costs for hospital stays and day surgery, reimbursed on an indemnity basis. Cashless admission is not automatic: it requires a pre-approval application submitted to and approved by Bowtie before admission, applies to eligible planned inpatient treatment, and does not cover amounts above the plan's benefit limits or items the plan does not cover, which remain payable by the member§
Outpatient
General practitioners, Chinese medicine and specialists; some plans also cover chiropractic and physiotherapy
Wellness
One health checkup and one flu vaccine per policy year
Dental
Oral examination and scaling; the Pro Care Series also covers accidental denture treatment, filling, extraction and dental X-ray
Geographic scope
Worldwide. Eligible costs incurred outside Hong Kong are reimbursed according to the plan's benefit items and limits
Key exclusions
Not everything is covered. Treatment of pre-existing conditions is generally excluded, and expenses already reimbursed by another insurer or third party are not covered. The full list of exclusions is set out in the policy provisions.
What to compare if you're a first-time buyer
Premium aside, these 5 determine whether your team can actually use the cover.
01How the inpatient limit is structured
Check whether it is a single aggregate limit or a set of itemised sub-limits. Bowtie plans carry a total inpatient benefit amount (HK$25,000 to HK$120,000 by plan level) and reimburse 80% of eligible costs. The Basic Care and Pro Care Series adjust the proportion by ward class: 100% for a standard general ward, 50% for a standard semi-private room and 25% above that.
02What makes outpatient cover usable
Three numbers to ask about: the co-payment per visit, the annual visit cap, and whether cover is limited to a medical network. Network clinics cost less but narrow the choice of doctor; out-of-network gives freedom but usually carries a co-payment.
03Whether preventive benefits are included
A health checkup and flu vaccine are benefits employees use every year, unlike hospitalisation. Not every plan on the market includes them².
04Whether your company meets the threshold
Minimum team size, company age and the age limit for insured members all determine whether you can enrol at all. Worth confirming before comparing benefits in detail.
05How pre-existing conditions are handled
Under Bowtie's group medical plans, pre-existing conditions are generally not covered. The exception is where the company was insured under another insurer's group medical package product immediately before the Bowtie policy took effect. They also become covered once a member has been continuously insured for more than one year.
Group medical plans for first-time buyers
4 plan series — benefits designed for your size and budget
Basic Care Series
Up to 50% discount on your doctor's visit1
Coverage for family members
Annual health checkups2
Inpatient and surgery coverage for peace of mind
Starting from
$98
/ month per member3
Learn More
Outpatient
Care Series
Care Series
Comprehensive care: GP, TCM, and specialists
Annual health checkup + Flu vaccine
Fully digital, no more claims hassles
Starting from
$288
/ month per member
Learn More
Flexi
Care Series
Care Series
Looking for more flexible coverage? Mix and Match your way to an ideal plan!
8 options to freely combine inpatient and outpatient benefits
Annual health checkups and flu vaccines
A perfect fit for budgets of all sizes
Starting from
$358–488
/ month per member
Select Your Coverage
Pro Care Series
🏅 SME's top pick
$30 for any outpatient visit4, TCM and specialists included
No network limitation
No referral letter required for specialist claims
Annual health checkups and dental scaling5
Starting from
$498
/ month per member6
Learn More
Basic Care Series plan comparison
Up to 50% discount on your doctor’s visit1
Coverage for family members
Annual health checkups2
Inpatient and surgery coverage for peace of mind
Inpatient benefit amount Cover 80% medical costs | $25,000 /year | $50,000 /year | $80,000 /year | $120,000 /year |
|---|---|---|---|---|
Outpatient discount For BowtieGo medical network only |  As low as 50% off1 | As low as 50% off1 | As low as 50% off1 | As low as 50% off1 |
Dental discount For BowtieGo medical network only | As low as 50% off1 | As low as 50% off1 | As low as 50% off1 | As low as 50% off1 |
Body check | | | | |
Flu vaccine | | | | |
Compare plans
Including Coverages, Exclusions, and Key Product Risks
1. Applicable to outpatient and dental services provided by BowtieGo medical network only. The actual amount paid depends on the doctor and actual medical needs.
2. Applicable to all plans (except Basic Bronze).
2. Applicable to all plans (except Basic Bronze).
Outpatient Care Series plan comparison
Comprehensive care: GP, TCM, and specialists
Annual health checkup + Flu vaccine
Fully digital, no more claims hassles
Outpatient Care
$288
Per member/month
Benefit schedule
Get a quote →
Outpatient Benefits (Network only)
Max. 15 visits per Policy Year, Max. 1 visit per item per day
| SERVICE | DETAILS |
|---|---|
| General Practitioner | 10 per year ( $50 co-pay ) |
| Traditional Chinese Medicine | 10 per year ( $50 co-pay ) |
| Specialist | 5 per year ( $100 co-pay ) |
Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
Wellness Benefits
| SERVICE | DETAILS |
|---|---|
| Health check-up | Once per year |
| Flu vaccination | Once per year |
| BowtieGo Member Discount | Unlimited doctor visits with up to 50% discount* |
*BowtieGo plan is a health and wellness membership program managed by Bowtie Life Insurance Company Limited ("Bowtie") and the outpatient benefits under the membership program is not an insurance plan.
Life Insurance Benefits
| SERVICE | DETAILS |
|---|---|
| Death Benefit | $3,000 |
*BowtieGo plan is a health and wellness membership program managed by Bowtie Life Insurance Company Limited ("Bowtie") and the outpatient benefits under the membership program is not an insurance plan.
Other product details
| SERVICE | DETAILS |
|---|---|
| Eligibility requirements |
*The attaining age is based on the age of employees and their dependents at the policy effective date or at the policy anniversary date. |
| Benefit Period |
|
| Number of employees | Minimum 5 employees |
| Plan Levels | All Employees under the same company shall be enrolled into the same plan level. If the eligibility requirements are not met, you can purchase a supplementary level insurance plan with no age limit for the unqualified members. |
Flexi Care Series plan comparison
8 options to freely combine inpatient and outpatient benefits
Annual health checkups and flu vaccines
A perfect fit for budgets of all sizes
3. Your Selection and Benefits
Pick your cover above to see your estimated price
Basic Plan — $1151 per member/month
| Total benefit limit (80% reimbursement) | $10,000/year |
|---|---|
| Day case endoscopy procedure | $10,000/year |
| Day case viral warts and skin lesions procedure | $6,000/year |
| Hospital cash — public hospital (max 180 days) | $200/day |
| Day case procedure cash | $200/day case procedure |
| Second Claim Subsidy (max 180 days) | $200/day |
• Accidental Confinement and Cancer Confinement cash benefits: Not covered
Life Insurance Benefit
| Death benefit | $10,000 |
|---|
Advanced Plan — $1451 per member/month
| Total benefit limit (80% reimbursement) | $20,000/year |
|---|---|
| Day case endoscopy procedure | $10,000/year |
| Day case viral warts and skin lesions procedure | $6,000/year |
| Hospital cash — public hospital (max 180 days) | $200/day |
| Day case procedure cash | $200/day case procedure |
| Second Claim Subsidy (max 180 days) | $200/day |
• Accidental Confinement and Cancer Confinement cash benefits: Not covered
Life Insurance Benefit
| Death benefit | $20,000 |
|---|
Starter — $2431 per member/month
| Max visits per policy year | 12 visits |
|---|---|
| GP (network clinic only) | 8 visits/year (co-pay $60) |
| Chinese medicine (network clinic only) | 8 visits/year (co-pay $60) |
| Specialist (network clinic only) | 4 visits/year (co-pay $120) |
• Reimbursement rate (network clinic): 100%
• Chiropractor, physiotherapist, diagnostic imaging & lab tests, psychiatric treatments: Not covered
• Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
Wellness (Applicable to the designated body check plans under our medical network)
| Health check-up | Once per year |
|---|---|
| Flu vaccination | Once per year |
| BowtieGo Member Discount | Unlimited visits at up to 50% off* |
Standard — $2631 per member/month
| Max visits per policy year | 15 visits |
|---|---|
| GP (network clinic only) | 10 visits/year (co-pay $50) |
| Chinese medicine (network clinic only) | 10 visits/year (co-pay $50) |
| Specialist (network clinic only) | 5 visits/year (co-pay $100) |
• Reimbursement rate (network clinic): 100%
• Chiropractor, physiotherapist, diagnostic imaging & lab tests, psychiatric treatments: Not covered
• Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
Wellness (Applicable to the designated body check plans under our medical network)
| Health check-up | Once per year |
|---|---|
| Flu vaccination | Once per year |
| BowtieGo Member Discount | Unlimited visits at up to 50% off* |
Enhanced — $3031 per member/month
| Max visits per policy year | 15 visits |
|---|---|
| GP (network clinic only) | 10 visits/year (co-pay $30) |
| Chinese medicine (network clinic only) | 10 visits/year (co-pay $30) |
| Specialist (network clinic only) | 5 visits/year (co-pay $50) |
• Reimbursement rate (network clinic): 100%
• Chiropractor, physiotherapist, diagnostic imaging & lab tests, psychiatric treatments: Not covered
• Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
Wellness (Applicable to the designated body check plans under our medical network)
| Health check-up | Once per year |
|---|---|
| Flu vaccination | Once per year |
| BowtieGo Member Discount | Unlimited visits at up to 50% off* |
Premium — $3431 per member/month
| Max visits per policy year | 15 visits |
|---|---|
| GP (network clinic only) | 10 visits/year (no co-pay) |
| Chinese medicine (network clinic only) | 10 visits/year (no co-pay) |
| Specialist (network clinic only) | 5 visits/year (no co-pay) |
• Reimbursement rate (network clinic): 100%
• Chiropractor, physiotherapist, diagnostic imaging & lab tests, psychiatric treatments: Not covered
• Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
Wellness (Applicable to the designated body check plans under our medical network)
| Health check-up | Once per year |
|---|---|
| Flu vaccination | Once per year |
| BowtieGo Member Discount | Unlimited visits at up to 50% off* |
*BowtieGo plan is a health and wellness membership program managed by Bowtie Life Insurance Company Limited ("Bowtie") and the outpatient benefits under the membership program is not an insurance plan. Learn more
Plan & eligibility details
| Eligibility (Age: attained age of Insured Person) | • Employee/spouse: Age 75 or below (65-75: 200% loading; renewed members 70-75: Declaration of Insurability required) • Child: 15 days to 18; 18-25 must be full-time student |
|---|---|
| Benefit period | 1 year, yearly non-guaranteed renewal |
| No. of employees | Minimum 3 |
| Plan levels | All employees must be on the same plan level. If ineligible, a supplementary plan with no age limit is available. |
| Min. years incorporated | Minimum 1 year |
| Currency | Hong Kong Dollar |
Total$1per member/month
Get a Quote¹ Assumed: 3-person group, average age 35
Above premiums are for reference only. Final premiums are determined by company headcount, age distribution, and underwriting assessment.
Pro Care Series plan comparison
$30 for any outpatient visit1, TCM and specialists included
No network limitation
No referral letter required for specialist claims
Annual health checkups and dental scaling2
🏅 SME's top pick | ||||
|---|---|---|---|---|
Inpatient benefit amount Cover 80% medical costs | $25,000 /year | $50,000 /year | $80,000 /year | $120,000 /year |
Outpatient benefit Max. 30 visits per year; HK$30 co-payment per visit | All registered doctors | All registered doctors | All registered doctors | All registered doctors |
General practitioner | | | | |
Chinese medicine practitioner | | | | |
Specialist | | | | |
Chiropractor Referral letter required |  | | | |
Physiotherapist Referral letter required | | | | |
Diagnostic imaging and laboratory tests Referral letter required | | | | |
Dental benefits | | | | |
Body check | | | | |
Flu vaccine | | | | |
Contact us
Compare plans
Including Coverages, Exclusions, and Key Product Risks
4. The minimum payment (co-payment) per visit is HK$30. If the cost does not exceed the benefit limit, the full amount will be reimbursed in addition to the HK$30 co-payment. For detailed benefit limits, please refer to Policy Terms & Conditions.
5. Applicable to all Pro Care Series plans.
5. Applicable to all Pro Care Series plans.
1. Applicable to outpatient and dental services provided by BowtieGo medical network only. The actual amount paid depends on the doctor and actual medical needs. BowtieGo plan is a health and wellness membership program managed by Bowtie Life Insurance Company Limited ("Bowtie") and the outpatient benefits under the membership program is not an insurance plan.
2. Applicable to all plans (except Basic Bronze).
3. Applicable to Basic Silver only, the price listed above is per member per month.
4. The minimum payment (co-payment) per visit is HK$30. If the cost does not exceed the benefit limit, the full amount will be reimbursed in addition to the HK$30 co-payment. For detailed benefit limits, please refer to Policy Terms & Conditions.
5. Applicable to all Pro Care Series plans.
6. Applicable to Pro Bronze only, the price listed above is per member per month.
Choice of Hong Kong's SMEs
Which Group Medical Plan is right for your company?
Not sure where to start? We'll help you find the perfect plan and get a quote in three simple steps. Our specialist will reach out to handle the rest.
Tell us about your team and budget
Five things people get wrong about group medical
What people say
What Bowtie says
"We're too small to qualify"
From 3 employees.
"Group medical is expensive"The Basic Care Series starts at HK$98 per member per month*. A 3-person company pays around HK$3,500 a year.
"You need an agent or broker to arrange it"Bowtie handles enrolment online, with a Bowtie group medical specialist supporting you 1-on-1 from enrolment through to claims.
"Every employee has to be underwritten first"Group medical generally does not require individual underwriting. Only companies of 3 to 4 employees applying for the Pro Care Series need to submit a health declaration.
"Our staff have their own insurance, so we don't need this"The two work better together. Group medical pays first and a personal or VHIS policy covers the rest, so staff pay less out of pocket on each claim. The same expense isn't paid twice, but together the cover goes further.
Does your company qualify?
Company age
Established for at least 1 year
Minimum team size
From 3 employees
Age of insured members
Employees and spouses aged 75 or below; children from 15 days to 25 years
(those aged 18–25 must be in full-time study)
Employment type
Full-time, part-time, contract and probationary employees can all be enrolled.
Which employees to include is the company's own decision.
Five reasons to arrange group medical now
01
A benefit that is affordable to add
Medical cover is one of the more affordable benefits an SME can add to its package. It gives a smaller company something concrete to offer alongside salary, without having to match larger firms on pay.
02
Cover that is simple to use
When cover is in place and claims are simple to submit, using it is one less thing for staff to weigh up before seeing a doctor.
03
Medical spending becomes predictable
Reimbursing staff medical bills directly out of company funds looks simpler at first, but the amount is hard to budget for and rises as costs rise. A group plan converts that into a fixed monthly figure per member.
04
The admin is lighter than most people expect
Enrolment, member changes and claims are all handled online. Once the policy is in effect, adding a new hire takes as little as 5 minutes^, and employees submit their own claims without HR in the middle.
05
Premiums are generally a deductible business expense
Group medical premiums an employer pays are an employee-benefit expense incurred in running the business, and can generally be treated as an operating cost and claimed as a deductible expense for profits tax. The deductible amount depends on your company's finances and the Inland Revenue Ordinance.
Talk to a specialist
Not sure yet? Just ask.
First-time buyers usually have a lot of questions, which is normal. Message us on WhatsApp and a Bowtie group medical specialist will reply shortly. No buying pressure, just answers.
Trusted by employers
Over
500
Companies
Over
10K
Members Insured
Average
2.1 days
Outpatient Claims Turnaround
Average
6.6 days
Inpatient Claims Turnaround
* Data extracted from Bowtie's internal records in Q1 2026, applicable to group medical insurance plans only. Approval time may be affected by factors such as the complexity of the actual case and the submission time of medical reports or other supplementary documents.
* eClaims accept e-copy without limit on amount
* eClaims accept e-copy without limit on amount
How Bowtie helps Start-ups & SMEs?
Celine Wong
Founder
Nancy
Group Head of People & Culture
"Putting people first" has always been a core value of WeLab, and the wellness of our colleagues is a core part of our people strategy. Our colleagues enjoy a wide range of Group Medical benefits and wellness programs, allowing them to face the challenges of work and life at any time in their best condition."
Peter Chan
Founder and Managing Director
"As a psychologist-cum-bussiness executive, I believe that offering team members peace of mind is a prerequisite to great performance because it enables employees to focus on what's truly motivating for them. This is exactly what Bowtie's medical plan has offered. Our team and I have greatly enjoyed its ease of use, transparency and degree of protection, and from the business owner's perspective, it's an affordable solution for SMEs that want to offer the best for their employees."
A simpler path to a covered team.
Three steps, all online.
1Tell us your team size and budgetShare a few details so we can match the right plan.
2Pick a plan with a specialistA Bowtie group medical specialist walks you through the options.
3Manage everything onlineAdd, remove, or update members anytime through our intuitive employer portal.
First-time buyer FAQ
Usually once you begin hiring full-time staff and need benefits to compete for talent. Bowtie requires a company established for at least 1 year with a minimum of 3 employees.
Yes. Employees' compensation insurance is legally required and covers work injuries and occupational disease. Group medical is voluntary and covers everyday, non-work-related medical needs. Neither replaces the other.
A package plan has fixed benefits and published premiums, so it is quick to arrange and easy to budget for. If your team has more specific needs, Bowtie also offers flexible combinations and tailor-made options, with a group medical specialist recommending a plan based on your team size, needs and budget.
Bowtie plans range from HK$98* to HK$898† per member per month, depending on the series and plan level. Premiums are based mainly on the plan level and the number of employees enrolled. Website prices are estimates; the actual premium is confirmed once your team's details are provided. For a 3-person company on the Basic Silver plan, that works out at roughly HK$3,500 a year.
Yes. Eligibility is based on age and employee status rather than employment type. Any eligible employee of the company can be enrolled, and which employees to include is the company's own decision.
Yes. An employee's spouse (aged 75 or below) and children (15 days to 25 years, with those 18–25 in full-time study) can join the same plan at a uniform per-member premium.
Once the company policy is in effect, HR adds the new member on the employer portal and coverage can be activated in as little as 5 minutes^.
HR removes the member on the employer portal and their cover ends immediately. The premium is adjusted on a pro-rata basis at the end of the policy year. A departing employee who wants to stay covered would need to take out individual medical insurance.
Members can be added or removed on the portal at any time. A new member's premium is pro-rated from their join date to the policy anniversary, and the total is settled at the end of the policy year.
Group medical premiums paid by an employer are an employee-benefit expense incurred in running the business, and can generally be treated as an operating cost and claimed as a deductible expense for profits tax. The deductible amount depends on the company's finances and the Inland Revenue Ordinance. Consult your accountant or tax advisor; the Inland Revenue Department's final assessment prevails.
No. Employees submit claims themselves on the online portal and Bowtie's claims specialists follow up directly, so HR does not act as an intermediary.
Ready to see what your premium looks like?
Share a few details and a Bowtie group medical specialist will recommend the right plan for your team. We typically respond within 2 business days.
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