We started accepting change of residency requests without policy termination to all Bowtie individual insurance plans in any countries/ regions except for those subject to sanction restrictions. Please refer to the following blog post for more details. If there are any enquiries, please contact our customer service team at 3008-8123.
Bowtie Accident Insurance covers medical expenses for injuries incurred from accidents, no matter how major or minor they are.
Outpatient (wound cleansing, stitches, etc.), Physiotherapy, Chiropractic and Chinese bone-setting treatments
MRI scans, Inpatient treatments, Surgery fees and up to $420k annual medical protection
Including Sports coaches, Disciplinary force, Professional drivers and more
Bowtie's pioneering online underwriting system allows you to know instantly, anytime, anywhere, whether you are insured and what your premium is.
Declaring your health condition is simple since 95% of the questions are multiple choice. You can instantly find out the monthly premium and if there are any additional fees or exclusions1. Our customer service officers are also available to assist you throughout the process on LiveChat.
If you are the insured person, you just need to fill in your personal information2. If your family member is the insured person and you are the policyholder, you need to fill in your personal information as well as your family member’s information and upload both of your HKIDs2.
You need to provide valid credit card information to complete the application. Once the application is approved, the premiums will be charged to your credit card on a monthly basis. Please note only the policyholder’s credit card will be accepted3.
Accidents are common among children and they are more prone to falls, burns, impacts, animal bites and more. Bowtie Accident Insurance can provide protection for your children from age 2 and up.
Unlike traditional accident insurance that typically reject high-risk professions, Bowtie Accident Insurance covers 700+ occupations and even offers protection for medical expenses that result from accidents at work.
People who play ball games, go hiking, running, cycling or play sports are more prone to injuries caused by accidents. From abrasions or sprains to fractures and joint injuries, Bowtie Accident Insurance will cover your medical expenses with up to $420k benefit limit.
Treatment due to injury or accident
Payable for the actual expenses for Medically Necessary treatments which are incurred within 12 month of the date of the Accident. Medical treatments covered include:
- Physiotherapy, chiropractic and Chinese bone-setting treatments (as Outpatient)
- Outpatient treatments; and
- Inpatient treatments and Day Case Procedures, with benefit cateogires similar to hospital indemnity insurance plans
Exception: Psychiatric treatment in Hong Kong only
We will reimburse the expenses incurred up to the benefit limit according to the benefit items listed in the table
Same Eligible Expenses item will only be reimbursable under one benefit item
If the Insured Person is entitled to a reimbursement of all or part of such expenses from other sources, we will only be liable for an amount recovered from such other sources
Limit 1: Each benefit item has individual benefit limit as listed in the table below
Limit 2: HK $420,000 per Policy Year
Benefit limit (in HKD)
For Injuries that involve bone fracture:
- 6 visits per Accident causing the injury
- $500 per visit
- 1 visit per day
For Injuries that involve no bone fracture:
- 4 visits per Accident causing injury
- $250 per visit
- 1 visit per day
8 visits per Policy Year (including visits for either of the above two types of Injuries)
$5,000 per Policy Year
- Consultation and Medication: $580 per visit
$750 per day; 180 days per Policy Year
$750 per day；180 days per Policy Year
$3,500 per day；25 days per Policy Year
$14,000 per Policy Year
$4,300 per Policy Year
Per surgery, subject to the surgical category in the Schedule of Surgical procedures:
- Complex - $50,000 per Surgery
- Major - $25,000 per Surgery
- Intermediate - $12,500 per Surgery
- Minor - $5,000 per Surgery
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum Anaesthetist’s fee to be reimbursed will be: $10,000 × 35% ＝ $3,500
35% of Surgeon’s fee payable – If the benefit payable under Surgeon’s fee is $10,000, the maximum operating theatre charges to be reimbursed will be: $10,000 × 35% ＝ $3,500
Subject to Your Contribution of 30% of the charges If you had a PET-MRI scan which cost $15,000, Your Contribution will be: $15,000 × 30% ＝ $4,500; The maximum charge to be reimbursed will be: $15,000 × 70% ＝ $10,500 o $20,000 per Policy Year If you had a second PET-MRI scan within the same Policy Year which again cost $15,000, the maximum reimbursement will be up to the remaining Policy Year benefit limit: $20,000 – $10,500 = $9,500
$30,000 per Policy Year
Items listed are for reference only. Please refer to the below attached document for details.
Like most accident insurance on the market, Bowtie Touchwood Protector also has an age limit. Anyone from age 2 to 55 is welcome to apply for this plan.
Bowtie Touchwood Protector provides protection for medical expenses for injuries that result from accidents. In the event of an accident and you require medical treatments, you can claim the medical expenses in the form of reimbursement.
Bowtie Touchwood Protector covers 700+ occupations and the acceptance of your application is determined based on your profession. If there is change to your occupation after the policy is effective, you must notify us immediately.
Unlike other accident insurance plans that have geographic restrictions, Bowtie Touchwood Protector coverage is worldwide with the exception of psychiatric treatment.
There are various types of accident insurance. Some offer accidental death benefit or permanent disability benefit only. Some provide inpatient and other medical treatment protection. Bowtie Accident Insurance covers any medical expenses that result from accidents, including hospitalization, outpatient treatment, Chinese bone-setting, physiotherapy and chiropractic treatment. For details of the benefit limit, refer to the Benefit Schedule and Policy Terms and Conditions.
Premium is determined based on your age, gender and occupation.
No. Since the injuries from long-term strain are not directly caused by accidents, they are not covered.
The plan provides worldwide coverage. But both the Policyholder and the Insured Persons must reside in Hong Kong at the time of application. The coverage shall remain effective whether the Insured Persons plan to reside overseas temporarily or permanently. (except for places of residence affected by sanctions or war).
An extra loading might be applied to reflect the higher risks of the relocated countries. If you do not accept the premium adjustment, you can choose not to renew your policy. If the Insured Persons go out of town for travel, studying abroad or work temporarily, No extra premium loading will be applied to policies.
The Policyholder and the Insured Persons should contact Bowtie for any address/location updates. For any enquiries, please contact our customer service team at 3008-8123.
1. You can also find out the premiums for the next five years for reference.
2. You can take a photo of your HKID or upload your ID as a file. If you are unable to upload your ID currently, you can upload it later.
3. If you do not have a valid credit card, please contact our customer service.
From now until 16 Oct 2022, both existing and new customers can enjoy 30% off first-year premium for successful enrolment in any Bowtie VHIS Plan, Bowtie Cancer Fighter, Bowtie Touchwood Protector, Bowtie Term CI and Bowtie Term CI - Multiple Cover ; 50% off first-year premium for successful enrolment in Bowtie Term Life, with the code【OCTFLASH】.
* The information is for reference only. For benefit limit details, refer to the Policy Terms and Conditions.
Bowtie Life Insurance Company Limited is a limited liability company incorporated in Hong Kong.
Bowtie Accident Insurance Touchwood Protector is underwritten by our company and is intended for sale in Hong Kong only.
The above is for reference only. For detailed terms and conditions of the product, please refer to the policy.