We wanted an insurance partner with a similar brand image, and when we found Bowtie, it felt like the perfect fit.
For HK retail businesses
Big-chain benefits for your team — leave the admin work to us.
Group medical for retail businesses. Cover 3+ staff from HK$98 per member/month*. Managing high turnover and part-time hires shouldn't be an admin nightmare. Flexible, affordable care for your frontline team.
Is your retail team's benefits still stuck in the past?
Waiting for replies, filling in paper forms, new hires waiting a week for cover? It can all be much simpler.
Pain Points
Bowtie Solution
Small team, limited choice? 
Cover teams from just 3 employees with flexible plans from HK$98-898 per member/month* to match your budget.
Diverse team, complex admin? Full-time and part-timers covered. Easily manage everyone in one online portal.
Paying staff medical costs straight from the company? Switch to a proper group plan with predictable monthly budgets and simplified claims processes.
Losing staff to the big chains Offer competitive benefits that hold their own, even with a small team size.
*The HK$98 per member/month premium is based on the Basic Silver plan and the HK$898 per member/month premium on the Pro Platinum plan; prices are per member per month.
Compare our group medical plans
4 plan series — choose one that fits your team
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
Inpatient benefit amount
Cover 80% medical costs
$25,000
/year
/year
$50,000
/year
/year
$80,000
/year
/year
$120,000
/year
/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
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
$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.
Bowtie vs the old way of buying group medical
Side-by-side, so you can see what changes.
Bowtie
Traditional process
Pricing
Premiums from HK$98 per member/month1, zero hidden fees
Premiums include intermediary commissions getting actual quotes requires constant back-and-forth
Minimum group size
From 3 employees
Usually designed for larger teams
Application process
Fast and simple digital sign-up with 1-on-1 dedicated support
Mostly relies on brokers/agents involving heavy paperwork
Policy management
Activate new employee coverage online in just 5 minutes2
Relies on paper forms takes 5–10 working days to take effect after submission3
Claims processing
Submit claims online; average 3 working days for approval and payout4
Still relies on paper claim forms approval takes up to 3 weeks3
1 Applicable to Basic Silver plan. Actual premium and coverage depend on plan and policy terms.
2 5 minutes refers to the process of adding new employees and activating their Group medical insurance protection through the digital platform, upon the corresponding group medical plan becomes effective.
3 The above data is based on a Bowtie market survey conducted in July 2026, referencing information published on various insurers' websites. For reference only; please refer to the respective insurers' official sources for details.
4 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.
2 5 minutes refers to the process of adding new employees and activating their Group medical insurance protection through the digital platform, upon the corresponding group medical plan becomes effective.
3 The above data is based on a Bowtie market survey conducted in July 2026, referencing information published on various insurers' websites. For reference only; please refer to the respective insurers' official sources for details.
4 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.
A simpler path to a covered team.
Three steps, all online.
1 Tell us your team size and budget
Share a few details so we can match the right plan.
2 Pick a plan with a specialist
A Bowtie group medical specialist walks you through the options.
3 Manage everything online
Add, remove, or update members anytime through our intuitive employer portal.
Talk to a specialist
Prefer to chat first?
Share a few contact details and a Bowtie group medical specialist will reach out shortly — no buying pressure, just answers to your questions about which plan fits your headcount and budget.
Flexible, fast, and convenient. Bowtie Group Medical eases the admin load for owners, matching your business needs seamlessly.
Trusted by Hong Kong retail businesses
Over
500
Companies
Over
10K
Members Insured
Average
2.1days
Outpatient Claims Turnaround
Average
6.6days
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.
Customer stories from retail businesses
From a 77-year family florist to a social enterprise chain.
The information displayed is for reference only and does not constitute nor is it intended to be construed as providing any offer, solicitation, or recommendation to purchase any insurance products.
Common questions from retail owners
Yes. Part-time staff who are employees of your company can be covered under the same plan. As the employer, you decide whether to include them, in line with your own staffing policy.
Yes. Employees' spouses and dependent children can be added to the same plan; premiums are calculated per member.
Yes. From 3 employees (5 for the Corp Outpatient Plan), from a single boutique to a multi-outlet business.
Very little. Enrolment, member changes, and payment can all be done in the Bowtie employer portal conveniently, and a Bowtie group medical specialist is there whenever you need help.
Once your company's policy is active, add new members through the employer portal in 5 minutes and coverage takes effect immediately.^
Yes. Bowtie is Hong Kong's first virtual insurer, authorised by the Insurance Authority (IA).
Add or remove members anytime in the portal, with no admin fee. Premium adjustments are settled at the end of each policy year.
Ready to see what your premium looks like?
Share a few details and a Bowtie specialist will recommend the right group medical plan for your team. We typically respond within 2 business days.
Get a group medical quote