Cancer Insurance Plan

Bowtie Cancer Fighter

Get cancer treatment protection for only $2 a day(1)

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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.

Product Features

Extensive coverage of cancer treatment with $0 deductible (3)

Includes full coverage for all levels of malignant cancer and carcinoma in situ (2), from diagnosis and monitoring to surgery, treatment and medication expenses (including targeted therapy and immunotherapy) with customers not needing to pay any deductibles (3).

Lower premiums thanks to technology & reduced operational costs

Bowtie Cancer Fighter premium rates are lower than other major insurance providers' cancer insurance plans (4) because we leverage technology to greatly reduce operational costs and pass on savings to our customers.

$1,000,000 protection for every 3 years

In the unfortunate event of cancer diagnosis, $1 million benefit for cancer treatment is immediately activated, which is enough to cover the cost of treatment for most cancer cases within 3 years. And every 3 years thereafter, the $1 million benefit is replenished to provide protection against cancer recurrence or diagnosis of other cancers until the benefit reaches policy's lifetime coverage limit.

Three benefit limit options for different levels of protection

Choose from $1/$2/$3 million lifetime benefit options for protection for the entire cancer treatment journey until 5 years after final treatment, recurrence and diagnosis of other cancers.

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Why you need cancer protection

No. 1 killer in Hong Kong

Over 30% of deaths in Hong Kong are caused by cancer (5). The top five fatal cancers are lung cancer, colon cancer, liver cancer, breast cancer and pancreatic cancer (5).

1 in 5 give up treatment due to medical costs

Nearly 20% of cancer patients give up treatment because they could no longer afford it. For instance, targeted therapy for lung cancer amounts to as high as $50,000 monthly (7) while full treatment for colon cancer at private hospitals costs $1.3 million (6).

Waitlist for treatment at public hospitals could take up to 2 years

Prolonged waiting time for treatments could lead to poorer health outcomes. The waiting time for treatment at public hospitals ranges from several weeks to over 2 years (8).

Protection Areas

Cancer Fighter protects you every step of the way

Benefit Schedule


Medical Services Incurred from Covered Cancer(s)
Payable for the actual expenses for necessary Medical Services which are incurred from Covered Cancer(s).

Area Cover


Claim Method

1. We will reimburse the actual medical expenses arising from Covered Cancer(s) according to the benefit items and limits listed in the table below.
2. Same Eligible Expenses item will only be reimbursable under one benefit item.
3. If the Insured is entitled to a refund of all or part of such expenses from other source(s), we will only be liable for an amount in excess of the amount recovered from such other source(s).

Waiting Period

90 days
Any Cancer occurring during the first 90 days after Policy Effective Date is not covered.

Benefit Limit

Cancer Fighter 100
Lifetime Limit

Cancer Fighter 200
Lifetime Limit
$1,000,000 for every 3-year period from the data of Diagnosis of the first Covered Cancer

Cancer Fighter 300
Lifetime Limit
$1,000,000 for every 3-year period from the data of Diagnosis of the first Covered Cancer

Compassionate Death Benefit


Benefit Item
Benefit Items & Their Limits (if any)


Bowtie Fully Covers
(a) Diagnostic Tests (if a Covered Cancer is found)

Including but not limited to Laboratory tests, Imaging (X-Ray / Ultrasound / CT / MRI / PET Scans), fine needle aspiration (cytology or histopathology), and excisional biopsy (histopathology).


Bowtie Offers Conditional Full Coverage on
(b) Room and board
(c) Attending doctor's visit fees
(d) Specialist's fees
(e) Intensive care
(f) Confinement miscellaneous charges
(g) Surgeon's fees
(h) Anaesthetist's fees
(i) Operating theatre charges

With the following conditions:
- Semi-private Room (or below): Full Coverage
- Standard Private Room: 50% of Eligible Expenses
- Above Standard Private Room: 25% of Eligible Expenses


Bowtie Fully Covers
(j) Active Treatments

including but not limited to Radiotherapy, Chemotherapy, Targeted Therapy, Hormonal Therapy & Immunotherapy.


Bowtie Fully Covers
(k) Medications

including but not limited to Anti-nausea drugs, Anti-rejection drugs and Anti-vertigo drugs.

Treatment / Terminal Cancer

Bowtie Fully Covers
(l) Monitoring

The charges to monitor the response to treatment, or progress of recovery and follow-up evaluations including:
- Consultation fees
- Laboratory tests
- Imaging procedures
- Screening tests

Treatment / Terminal Cancer/ Recovery

Bowtie Fully Covers
(m) Reconstructive Surgery

Reconstructive surgery of the head and/or breast due to a Covered Cancer.


Bowtie Fully Covers
(n) Palliative Treatments

Outpatient consultation and treatment with the aim of relieving pain or reducing signs and symptoms of a Covered Cancer.

Terminal Cancer

Bowtie Covers
(o) Chinese Medicine Practitioner Consultation, Acupuncture Treatment and Chinese Medicine
(p) Dietician Consultation
(q) Physiotherapy
(r) Occupational Therapy
(s) Speech Therapy
(t) Psychological Counselling and Medication
(u) Home Nursing— Maximum 1 Qualified Nurse during any given time slot.
subject to the following limits:
- 45 visits in total
- $750 per visit
- 1 visit for each of the above items per day

and offer $10,000 for:
(v) Compassionate Death Benefit


Items (a)-(i) have restricted conditions
Items (o) - (u) have a compensation limit

The information above is for reference only, for more details please refer to below documents.

  1. Treatment without definite Diagnosis of a Covered Cancer
  2. General check-ups
  3. Vaccines
  4. Unproven procedures
  5. Tests for genetic predispositions
  6. Pre-existing or congenital conditions
  7. HIV and AIDS
  8. Already reimbursed
  9. Drugs and illegal activities
  10. Medications and supplements that were not prescribed

Listed items are for reference only, for all details and terms & conditions:Key Product Risks and Exclusion

Key Product Risks
  1. Change of Residency - You must inform us of any change of Place of Residence (i.e. the jurisdiction(s) in which a personlegally has the right of abode) of the Insured Person by giving us at least thirty (30) days‘ noticeprior to the date of the next Renewal. We may apply any new Premium Loading to your policyupon Renewal to reflect any change in risks associated with the change of Place of Residence ofthe Insured Person.

    If the new Place of Residence of the Insured Person is subject to Sanctions or war (declared orundeclared), civil war, invasion, acts of foreign enemies, hostilities, rebellion, revolution,insurrection, or military or usurped power, we will consider the notification on a case-by-casebasis, and may

    a. apply any new Premium Loading upon Renewal to reflect any change in risks associatedwith the change of Place of Residence of the Insured Person; orb.
    b. decide not to Renew the Plan and refund any premium(s) paid for the period in which nocover will be in place without interest.

    Unless otherwise specified, this Plan contains no restrictions with respect to where the InsuredPerson travels to, studies or works.

    “Place of Residence” shall mean the jurisdiction(s) in which a person legally has the right of abode.A change in the Place of Residence shall mean the situation where a person has been grantedthe right of abode of additional jurisdiction(s),or has ceased to have the right of abode of existingjurisdiction(s). For the avoidance of doubt, a jurisdiction in which a person legally has the right orpermission of access only but without the right of abode, such as for the purpose of study, workor vacation, shall not be treated as a Place of Residence.
  2. Termination - This policy will be terminated on the earliest of the followings –

    a. The death of the Insured Person;
    b. Non-payment of premiums after 31 days from the premium due date;
    c. The date the total amount paid for benefits under the policy reaches the Lifetime Benefit Limit.

    Termination of this plan shall not affect any claim arising prior to such termination unless otherwise stated. Any premium paid after the termination of this plan shall not create any liability upon us but we will refund any such premium.
  3. Product Features Revision - We reserve the right to revise the terms and benefits upon policy renewal by giving 30 days’ advance notice.
  4. Premium Adjustment Risk - Standard premium rates are not guaranteed and are subject to change based on our emerging experience in relation to claims, persistency and expenses, medical cost inflation and any change in the benefit structure. Therefore, renewal premiums may be higher or lower than the premium currently reflected.
  5. Credit and Solvency Risk - The payment of benefits under this plan is subject to Bowtie’s credit risk and solvency. In the event of Bowtie’s insolvency, you may lose the coverage stipulated in this plan in addition to any premiums you have paid.
  6. Inflation Risk - Due to inflation, the costs of medical diagnoses and treatments may rise and the amount of benefit payable may become insufficient to meet your future medical needs even if our full contractual obligations are met. You are advised to consider the likely impact of future medical cost inflation when choosing a plan

    Where permitted under the relevant regulations, benefit amounts and/or standard premium rates of this plan may be revised by us from time to time to reflect the impact of medical inflation.

Listed items are for reference only, for all details and terms & conditions:Key Product Risks and Exclusion

Important product information

Product Category
Cancer Medical Reimbursement Plan – Reimbursement for medical expenses incurred if the Insured Person is diagnosed with any of the covered Cancers
Issue Age
15 days – age 65
Period of Cover
1 year – Lifetime guaranteed annual renewal
Waiting Period
90 days
No benefit will be payable for illnesses or symptoms manifested within the waiting period
  • Upon renewal, there shall be no re-underwriting. No additional rate of premium loading or case-based exclusions shall be imposed by reason of any change in the Insured Person's health conditions.
  • Upon renewal, we reserve the right to revise Policy Terms and Conditions, including the prevailing standard premium schedule.
Cooling-off Period
21 days
Within the cooling-off period, you may cancel the Plan and receive a full refund of premium
Policy Cancellation
You may request cancellation of the Plan by giving at least 30 days prior notice.
Tax Deduction
The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.

Frequently Asked Questions

Is there an age limit for Bowtie Cancer Fighter?

Anyone from 15 days after birth to the age of 65 can apply for this Cancer Medical Reimbursement Plan.

If I ever claim compensation during the insurance period, will it affect my subsequent renewal application?

Bowtie Cancer Fighter guarantees lifetime renewal and will not be affected by claims history.

Is there a waiting period for Bowtie Cancer Fighter?

Yes, there is awaiting period of 90 days after the policy takes effect, any cancer that occurs during this period will not be covered.

Does Bowtie Cancer Fighter have any restrictions on ward types?

There is no restriction on the class of hospital room in which the insured person can be admitted to, however, an Adjustment Factor will be applied to the calculation of the hospital benefit, depending on the inpatient ward tier. Please refer to the benefit table for details.

If my cancer has not been relieved after 3 years, will the insured amount of Bowtie’s Cancer Fighter Insurance Plan be reset to $1,000,000?

Yes. Bowtie Cancer Fighter provides a maximum coverage of $1,000,000 every 3 years until the accumulated benefits reach lifetime coverage. This arrangement is not affected by the patient's medical condition.

What kind of cancers are covered by Bowtie Cancer Fighter?

Bowtie Cancer Fighter covers all levels of malignant and carcinoma in situ, except for precancerous lesions, CIN I or CIN II abnormalities of the cervix, or all cancers that coexist with HIV infection.

Does Bowtie Cancer Fighter provide coverage overseas?

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.

How can I contact Bowtie if I have any questions about Bowtie's services?

Just like traditional insurance companies, Bowtie has a customer service centre, hotline, email and real-time online enquiry to assist customers with insurance applications, claim estimation and claims assistance.

You can call our customer service hotline at 3008 8123, or email We take customer feedback seriously and will follow up with you as soon as possible. If you need, you can make an appointment or visit our customer service centre in person, our professional team will be at your service.

If I have two insurance company medical insurance policies and need to make a claim compensation, which one should I apply first?

You are free to decide which insurance company to apply for the claim first. If you need to apply for compensation from more than one insurance company, in addition to the basic documents, you only need to submit the original (or verified copy) of the compensation statement and medical receipt issued by the first insurance company to the second insurance company for approval.

Inquiry and complaint channels

Insurance Authority - handles matters related to the general conduct of insurance companies and insurance intermediaries; and Bowtie LifeInsurance Company - policyholders may write or call the customer service hotline 3008 8123 for any inquiries or complaints.

Is the coverage of Bowtie’s Cancer Fighter Insurance Plan only applicable to hospitalisation and related expenses (such as surgery and doctor’s fees)?

The coverage of Bowtie’s Cancer Fighter Insurance Plan is not limited to hospitalisation and its related expenses.

Confirmation inspection, surveillance inspection, day surgery, active treatment, palliative treatment, drug costs, etc. are also covered by Bowtie’s Cancer Fighter Insurance Plan.

Is there a time limit for claims?

All claims involving death must be notified to Bowtie immediately, while other claims must submit the required supporting documents, forms and information within 90 days of the insured event. If you cannot file a claim with Bowtie within the above-mentioned time, please call our customer service hotline 3008 8123, or email to make arrangements.

What happens if I find that the insured has forgotten to declare the illnesses I had before the insurance?

You need to re-declare your health status for underwriting. If the declared health status affects the risk assessment of the policy, the policy may require additional exclusions or premium adjustments, or even cancel the policy.

What is the claims procedure for Bowtie’s Cancer Fighter Insurance Plan?

Customer service experience is highly valued at Bowtie. Policyholders only need to use a mobile phone or computer to estimate compensation or apply for compensation on our online platform. For each case, Bowtie will appoint a claim specialist to follow up, assist you in submitting a claim application and provide a claim progress inquiry. If you have any questions during the process, you can also call our customer service hotline 3008 8123, or email for enquiries.

Will my renewal premium be increased due to claims? Will I be denied insurance due to previous compensation?

Annual renewal premiums are adjusted based on age, and Bowtie will not increase your premiums based on the number or amount of claims you make, or your medical condition. Bowtie’s Cancer Fighter Insurance Plan guarantees lifetime renewal, and we will not reject your renewal request because of your claim history or health conditions.

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1)Assuming that the monthly premium is $61 and the average daily premium is $2 for a non-smoker, 34 years old, male, insured under the “Cancer Fighter 100” plan. “Bowtie Cancer Fighter” offers $1,000,000 coverage every 3 years until the accumulated benefit reaches lifetime coverage limits. This is independent of the patient's medical condition.
2)“Bowtie Cancer Fighter” covers all grades of malignant cancer and carcinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.cinoma in situ, excluding precancerous lesions, CIN I or CIN II cervical anomalies, or all cancers coexisting with HIV infection.
3)For a standard semi-private ward or below, if the insured person chooses to stay in a standard private ward or above when receiving inpatient treatment, we will only pay a specified percentage of the relevant expenses. Please refer to the benefit details below.
4)Based on the premium comparison between “Bowtie Cancer Fighter 300” and similar cancer medical insurance plans of 3 major insurance companies in the market (with the same lifetime coverage of $3 million) for non-smoking males and non-smoking females aged 0, 20, 30 and 50. Please note that the coverage amount of each cancer health insurance plan varies. For details, please refer to the plan information of each insurance company. If you have any questions regarding the above comparison, please contact our customer service specialists at Bowtie.
5)Source: HealthyHK - Leading Causes of Cancer Deaths
6)Source: (2018)
8)Source: Hospital Authority (as of 30 September 2019)
*Terms and Conditions apply
Bowtie Life Insurance Company Limited is a company incorporated in Hong Kong with limited liability. Bowtie Cancer Medical Plan “Cancer Fighter” is underwritten by the Company and intended for sale in Hong Kong only.The above is for reference only. For information on terms and conditions of the product, please refer to the policy details.