People-first has always been a core value at WeLab, and employee wellbeing sits at the heart of our talent strategy. A full medical benefits package, plus health benefits beyond insurance, helps our team stay at their best.
We Serve, Not SellAlready have group medical cover?
Before you renew your group medical plan, it's worth seeing what your options really are
If your group medical plan raises premiums every renewal, is slow to add or remove employees, and quotes with no cost breakdown, the issue is likely in its design. The same cover can come with steadier premiums and simpler admin, so compare once before you decide.
Not switching yet? See what to check first →
Offer ends 31 December 2026Not ready to switch right now?
Not ready to switch right now?
Register first and secure the switching offer
It's fine if your current policy hasn't expired. You can register first, and a Bowtie specialist will follow up before your policy is due. Limited-time switching offer: complete the required steps to receive up to HK$800 in HKTVmall e-vouchers.
When should you consider switching your group medical plan?
You don't have to wait until renewal is due to start looking. These three moments are each worth a proper comparison.
- 01
2 to 3 months before renewal
Enough time to compare plans, brief your team, and arrange the handover. Starting to look now doesn't mean deciding now.
- 02
After a premium increase notice
An increase is usually a signal. Understand where the rise comes from, compare how other plans are priced, then decide.
- 03
When employees start raising cover or claims issues
When employees feel the cover falls short or claims take too long, it's a good moment to review your company's benefits.
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.
Group medical plans to switch to
4 plan series: choose by your team 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
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.
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.
Switching made easy
Switching group medical plans?
Find the right one for your team.
Already have a plan but want something that fits better? Get a recommendation and quote in three simple steps. Our specialist will reach out and help with the switch.
Why switch to Bowtie?
Renewal premiums aren't set by a single claim
Package Plan premiums take the wider customer pool into account, not just your company's claims record, keeping renewals steadier, though premiums may still be adjusted, for example due to medical inflation.
A specialist follows up one-to-one, no relayed messages
From enrolment to claims, we have dedicated specialists to handle your case one-to-one, so when there's a question, you reach a person directly.
Employees claim in a few taps on their phone
Employees submit claims from their phone with no paper receipts to keep, which is one fewer source of complaints for HR.
Add or remove members online in 5 minutes^
New joiners can be covered from day one, leavers are removed instantly with premiums adjusted automatically, all self-served in the portal once the policy takes effect.
Not just a new insurer, a chance to upgrade benefits
Switching doesn't have to mean the same cover again. Beyond core medical, Bowtie offers wellness and other health benefit options, so you can lift your team's overall benefits in one move.
Your group medical switching checklist
Switching isn't only about which plan is cheapest. Whichever you end up choosing, these are all worth asking about.
01How is the premium calculated?
Ask whether renewal premiums are based on your own company's claims record, or on the insurer's whole customer base. The former rises when claims rise; the latter tends to move less. This directly affects how stable your budget is over the next few years.
02Are there sub-limits or co-payments?
Many plans show a high total limit, but each item inside (surgery, room, diagnostics) has its own cap. Some also require a co-payment, where employees pay a share of each claim themselves. When comparing cover, check both, not just the overall total. Also check the exclusions and any waiting periods, such as how pre-existing conditions are treated.
03Is there a designated medical network restriction?
Some plans require employees to see doctors within a set network for full reimbursement. Check whether the doctors your employees already use are in-network, since it directly shapes their experience.
04How quickly can you update the member list?
Ask how member list updates are handled. Can you add or remove members yourself online, or does every change go through a paper form and an intermediary? Joiners and leavers happen every month, so a slow process quickly adds up for HR.
05How do employees claim, and how long does it take?
Check whether employees can submit claims on their phone or need paper forms and original receipts, and how long approval usually takes. Claims are where employees feel the plan most directly, and how quickly they're settled shapes how employees see their benefits.
06How transparent are the pricing and terms?
Is there hidden commission? Can you actually understand the terms? Plans with low transparency tend to surface problems only at renewal or claim time.
07Will there be a gap in cover when you switch?
The point most easily overlooked. To avoid a gap in cover, the new policy should take effect as soon as your current one ends. Check whether you can choose the new policy's start date to match, and confirm your team meets the new plan's eligibility requirements.
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.
No agent needed: your group medical specialist has your back
From comparing group medical plans and getting a quote, to managing employee cover and handling outpatient or inpatient claims once your policy is in force, a Bowtie specialist follows up with you one-to-one.
Whether you have questions about premiums, cover, the claims process, or renewals and member changes, you can talk to a Bowtie group medical specialist.
By initiating a WhatsApp conversation, you confirm you have read Bowtie's Personal Information Collection Statement and consent to the use and transfer of your personal data in accordance with it for the purpose of this enquiry.
Talk to a specialistTrusted by Hong Kong companies
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.
They've already switched to Bowtie.
Hear from HR leaders who switched to Bowtie
Nancy
Group Chief People Officer
Samantha Kwok
Vice President, People & Operations
Bowtie's plan is comprehensive and cost-effective. To deliver on our commitment to employee health, Prenetics raised cover from 80% to 100%.
Mandy Hau
Chief Operating Officer, HR & Admin
The all-in-one platform is advanced yet easy to use, making medical cover for 200 people simple and fast, with a specialist explaining and following up throughout. It completely changed how we see virtual insurance.
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. Please choose a plan based on your company's needs and the policy terms.
Group medical switching Q&A
It's straightforward. A Bowtie specialist follows up one-to-one throughout from quote, cover walkthrough, application, and coordinating old and new policy dates. At application, you can choose when your Bowtie policy takes effect to match your current renewal date, to avoid a gap in cover.
Start by assessing whether your current plan still fits your team: look at employee feedback, actual claims records, and market benefit trends. When comparing plans, check whether premiums are based on your own claims record or a wider customer pool, any sub-limits or co-payments, network restrictions, how long member changes and claims take, how transparent the pricing and terms are, and how the old and new policies line up to avoid a gap in cover.
A minimum of 3 employees. Both full-time and part-time employees can be included, and premiums are billed monthly.
Yes. You can register first, and a Bowtie specialist will contact you at the right time before your policy expires to arrange a seamless switch, so you don't have to decide now.
Medical inflation is one of the main drivers of rising premiums. How much a plan moves also depends on its structure: a tailor-made plan has its own risk pool, while a standard Package Plan pools risk more broadly, which tends to make premiums steadier.
Over the past year, things may have changed both within your company and with your current insurer. Your business may have grown, giving you room to improve employee medical benefits; employees may have said the current cover falls short; or your insurer may have updated its products based on risk factors, or raised premiums sharply beyond your budget. These are all common reasons to consider switching insurers.
Group medical insurance renews every year, and the 2 to 3 months before renewal are a good time to review your current policy. Your insurer may also propose changes to the policy terms or premium when it expires, so it's best to be prepared for possible changes at renewal.
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 any difference is charged or refunded in one go 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.
Before you renew, see how your current plan compares
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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