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Bowtie Critical Illness

Why CI?Unique FeaturesClaim StoriesBenefit tableProduct InfoClaimsFAQ
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Ranked No. 1 in the term critical illness insurance by 10Life1
Ranked No. 1 in the term critical illness insurance by 10Life1
All-in-one coverage
for early stage & recurrence of 3 major critical illnesses
Carcinoma-in-situ + "Angioplasty"
Recurrence of Cancer, Heart Attack or Stroke2
Guaranteed renewal up to age 100 upgrade!
View Quote
Product Brochure
Premium Schedule
Premium Calculator (Excel)
suitable for desktop download

Limited Time Offer

Limited time offer

Does CI Insurance really matter to me? What are the odds?
Critical illnesses are more common
than you think…
😨
If you are diagnosed with a critical illness, you may...
How can CI insurance help?
CI insurance provides a lump-sum benefit which not only protects yourself, but also ensures…
Anything I need to learn more before the purchase?
🤔 How much coverage is considered sufficient?
Find out now →
🤔  How costly are treatments for critical illnesses?
Is medical insurance already sufficient?
See examples →
🤔 Should I go for a “Term” or “Savings” CI insurance?
Compare now →
🐥 New to insurance and want to know more?
Learn more →
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Unique features

Coverage for the Recurrence of 3 Major CIs6 ; 98% of CIs covered7

Why this design

Additional Protection for early stage critical illnesses ; claim up to 120%8

How does it work

Guaranteed renewal up to age 100 Supporting Our Elderly CustomersUpgrade!

How does it help
Tab 4
CI recurrence rates are increasing rapidly

“Bowtie Term CI - Multiple Cover” & “Bowtie Term CI - Early Stage & Multiple Cover” allows:

Multiple claims for 3 Major Illnesses (Cancers, Heart attacks and Strokes)6
Max 1 claim for each of the other 39 covered major critical illnesses
Max 5 major illness claims in total over the insured period; the amount of each major illness claim is 100% of the sum insured
🔍 Multiple Cover Example - Sum insured: HK$1M (actual aggregate claim payment is HK$5M)
有唔明搵專家

Covers 42 major critical illnesses

Check out the Critical Illness Definitions

4 “Supplementary Coverages”*

Terminal illness

The conclusive unequivocal diagnosis of an illness that is expected to result in the death of the Insured Person within twelve (12) months.

Total Permanent Disability##

The Insured Person has first become permanently, totally and irreversibly disabled as a result of injury or sickness and is thereby totally incapable of engaging in any work or occupation whatsoever for remuneration or profit. 

Loss of independent existence##

The unequivocal diagnosis must be made by a Registered Medical Specialist in the relevant field that the Insured Person is not able to perform at least three (3) Activities of Daily Living without assistance, as a result of injury or disease. 

Major medical treatment

The actual undergoing of a Medically Necessary Complex Surgery in Hong Kong due to an injury or illness condition, which directly or indirectly results in admission to Intensive Care Unit (ICU); and being treated with life supporting medical devices of one-hundred-and-twenty (120) or more consecutive hours in post-surgical care.
If you see a "+" symbol, you can click on it to view more information.
Remarks
6. Claims for the Multiple Cover Benefit on Cancer (newly diagnosed, recurrent, metastatic or continued cancer diagnosed after the first cancer claim), Stroke, Heart attack, and other heart-related diseases (including coronary artery bypass surgery or other serious coronary artery diseases) are subject to additional requirements, please refer to the policy terms and conditions for details and exclusions.
7. According to a critical illness survey conducted by a reinsurance company in Asia during 2008-2012, cancer, coronary artery bypass surgery, heart attack, other severe coronary artery diseases, stroke, benign tumour and kidney failure contributed 97% of total critical illness insurance claims among Hong Kong women. The rest of the data is public information collected by Bowtie in various ways, obtained through mathematical calculations, and is for general educational and reference purposes only.
# Any subsequent Heart Attack following any preceding Heart Attack claim(s) that we have paid must demonstrates fresh diagnostic findings evidencing occurrence and diagnosis of a new event; 
**Any subsequent Cancer following any preceding Cancer claim(s) that we have paid must be: (i) any Cancer that has reappeared, metastasised, continued without remission, ora new primary Cancer, that is diagnosed after your preceding Cancer claim; and(ii) the Cancer exists at, or after the end of the Multiple Cover Benefit Waiting Period; and (iii) the Insured Person has received Active Treatment for it in the 12 months immediately prior (except for a new primary cancer).
* “Supplementary coverages” have claim restrictions on age. Any relevant diagnoses must be supported by evidence from a registered medical specialist and confirmed by our medical advisers. Please refer to the Policy Terms and Conditions and Exclusions for more details.
^ The recurrence rate data for critical illnesses comes from a major disease survey conducted by a reinsurance company in the Asia-Pacific region from 2008 to 2012, as well as market research results from Bowtie.
## The above conditions relating to Total and Permanent Disability and Loss of Independent Existence must be certified by our appointed medical advisor and have persisted continuously for at least 6 months.
Want to know more?
Talk to the product specialist.

Early stage critical illnesses are more common

4 early stage critical illnesses7:

1. Carcinoma-in-situ 
2. Early stage malignancy

Angioplasty surgeries include:
3. Angioplasty, Atherectomy or Minimally Invasive Direct Coronary Artery Bypass Grafting for coronary arteries
4. Angioplasty or endarterectomy for carotid arteries

Covering 4 Early Stage Critical Illnesses (“CI”)

including carcinoma-in-situ and angioplasty surgeries

Medical expenses for early stage CI can vary significantly. For example, surgical fees for angioplasty can range from $100,000 to $300,000 9. In addition, patients may need to continue taking medications and undergo regular checkups for up to 1 year following the surgery10. These factors can have an impact on patients’ work lives and impose further financial burdens.

“Bowtie Term CI- Early Stage & Multiple Cover" provides a lump-sum benefit of 20% of the sum insured 8 if you are diagnosed with any of the 4 covered early stage CI, offering you more flexibility in coping with various expenses.
What are early stage critical illnesses?
An “early stage critical illness” refers to a disease that has not yet developed into major critical illnesses. Common examples include carcinoma-in-situ, early stage malignant malignancy, and medical conditions requiring angioplasty. With advancing medical technology, early treatment can significantly reduce the chances of developing a major critical illness.  

As of 2020, the diagnosis rate of breast Carcinoma-in-situ among females aged 45 to 49 was 36.2% (per 100,000 female population)**.

The number of individuals aged 40 to 50 diagnosed with coronary heart disease has increased by almost 40%. When the coronary artery contracts by a certain percentage, it is likely that angioplasty surgery will be required*.

Medical expenses for early stage CI can vary significantly. For example, surgical fees for angioplasty can range from HK$100,000 to HK$300,000#. In addition, patients may need to continue taking medications and undergo regular checkups for up to 1 year following the surgery##. These factors can have an impact on patients’ work lives and impose further financial burdens.

Comprehensive Coverage

Early Stage Critical Illness + 
Major Critical Illness →
Claim Up To 120%8

Multiple Claims for Early Critical Illnesses

Max 5 times*

for Early Critical Illnesses claims

*Other Early Critical Illnesses: 1 time, carcinoma-in-situ: 2 times, angioplasty and coronary artery bypass graft: 2 times
Angioplasty, atherectomy or minimally invasive direct coronary artery bypass grafting for coronary arteries

Upgrade to Term CI - Early Stage & Multiple Cover with just a 12% increase in your premiums!！

Examples

For a 35-year-old male non-smoker with a sum insured of $1 million, the monthly premium for “Bowtie Term CI - Multiple Cover” is $187.  With a monthly premium of $211, you can upgrade to our “Term CI - Early stage & Multiple Cover" insurance plan, with a slight increase of 12% premium only.

Comprehensive protection

Early stage + Major critical illnesses → 120% total payout

Typical Term CI products in the market

Typical term CI insurance plans on the market “prepay” 20% of sum insured for an early stage critical illness, and pay the remaining 80% of sum insured if the insured person is diagnosed with a subsequent major critical illness.

Early stage and major critical illnesses may not necessarily be eligible for multiple claims.

Bowtie Term CI - Early Stage and Multiple Cover

Bowtie provides an additional 20% of the sum insured for early stage critical illness diagnosis. After a 2-year waiting period, a lump sum benefit equivalent to 100% of the sum insured is paid for major critical illness that is diagnosed thereafter, resulting in a total payout of 120%.
We also allow up to 5 claims each for both early stage and major critical illnesses 2,7, meaning the total payout amount can reach up to 600% of your sum insured. Please refer to the benefit table and examples below for more details.

Upgrade to Term CI - Early Stage & Multiple Cover with just a 12% increase in your premiums!！

Examples

For a 35-year-old male non-smoker with a sum insured of $1 million, the monthly premium for “Bowtie Term CI - Multiple Cover” is $187.  With a monthly premium of $211, you can upgrade to our “Term CI - Early stage & Multiple Cover" insurance plan, with a slight increase of 12% premium only.

 How does our claim mechanism work?

🔍 Example 1 (After Waiting Period)
🔍 Example 2 (Within Waiting Period)

After completing the 2-year “Early Stage CI Benefit Waiting Period”

We provide “Extra Payout”

  • We provide an Early Stage CI Benefit at 20% of the sum insured11 if you are diagnosed with any of the 4 covered early stage CI. This benefit allows up to 5 claims, totalling 100% of the sum insured8
.
  • After successfully claiming the Early Stage CI Benefit and passing the 2-year waiting period11, if you are diagnosed with a major critical illness, we will pay 100% of the sum insured as a lump sum under the Major CI Benefit. The Multiple Cover Benefit also allows up to 5 claims for major critical illnesses 6,8.
  • Our “Term CI - Early Stage and Multiple Cover” insurance plan provides a maximum total claimable amount of up to 600% of the sum insured.
Major critical illnesses: 100% x 5 = 500%
Early stage critical illnesses: 20% x 5 = 100%
Total
claim amount:  $1,200,000

Claims within the Early Stage CI Benefit Waiting Period

We pay 100% of the sum insured

  • If the insured person successfully claims the Early Stage CI Benefit and is diagnosed with another covered early stage critical illness again during the waiting period (i.e. within 2 years), the subsequent early stage critical illness will not be covered.
  • If the insured person successfully claims the Early Stage CI Benefit (receiving a claims amount equal to 20% of the sum insured) and is diagnosed with a major critical illness during the waiting period (i.e. within 2 years), we will pay the remaining 80% of the sum insured for the major critical illness. This means that the total payout amount for the two illnesses will be equivalent to 100% of the sum insured8.
Why so?
點解咁設計？
我們期望危疾保障的賠償金額能夠支援患者大約兩年的生活費及其他雜費（醫療費用則應主要由醫療保險如自願醫保承擔），因此在等候期內「額外賠償」的意義不大。我們藉此減少「非必要」的保障，讓保費更易於負擔，長遠維持在更合理的水平。
Why so?
Why so?
We anticipate the claim amount from our critical illness protection to be sufficient to support the patient's living expenses and other miscellaneous costs for about 2 years (meanwhile, medical expenses should primarily be covered by medical insurance such as VHIS). As a result, the "additional payout" during the waiting period holds minimal significance. By minimising “non-essential” coverage, we aim to make premiums more affordable and maintain them at a reasonable level in the long run.
Total
claim amount:  $1,000,000
The above example is for reference and illustrative purposes only. The dates of diagnosis are assumed to be January 1st of each year. If you are in doubt as to whether a particular critical illness is eligible for a claim, please check with a registered medical specialist. However, Bowtie reserves the right to refer any dispute to our medical advisor and/or our Registered Medical Specialists at our reasonable discretion for determination which shall be final.
If you see a "+" symbol, you can click on it to view more information.
Remarks
6. Claims for the Multiple Cover Benefit on Cancer (newly diagnosed, recurrent, metastatic or continued cancer diagnosed after the first cancer claim), Stroke, Heart attack, and other heart-related diseases (including coronary artery bypass surgery or other serious coronary artery diseases) are subject to additional requirements, please refer to the policy terms and conditions for details and exclusions.
8. Early Stage Critical iIllness Benefit provides a benefit equivalent  to 20% of the Sum Insured, which is subject to a maximum of $300,000 per Insured Person of each claim. The maximum total benefit amount is equivalent to 100% of the Sum Insured or $1,500,000 (whichever is lower). This benefit is subject to an Early Stage Critical Illness Benefit Waiting Period and a maximum number of times you can claim for each early stage critical illness. This benefit will be automatically terminated after any Major Critical Illness Benefit has been paid or become payable, whichever is earlier. Please refer to the Policy Terms and Conditions and Exclusions for details.
9. Source: August 31, 2018 - Angioplasty surgery seafood price, public hospital one blood vessel most expensive 70,000 private hospital most expensive 1 million
10. Source: What to know about rehabilitation after angioplasty - Doctor's Orders - Health - Lifestyle - ET Net Mobile
11. For Early Stage Critical Illness Benefit, there must be a minimum gap of 2 years between claims for early stage critical illness. This means that within 2 years from the last payable date, any early stage critical illness diagnosed or early stage critical illness surgical procedures performed will not be covered.
Want to know more?
Talk to the product specialist.

Provide Longer-Term Protection To Suit Your Needs

Critical illness insurance mainly supports the insured person's living expenses when they lose income due to critical illnesses. Since most people no longer have income after retirement, and living expenses would reduce accordingly, Bowtie recommends reducing the critical illness coverage appropriately after age 65; while medical insurance should continue to support your medical expenses, such as Bowtie VHIS.

However, we understand that everyone has different needs. If your medical coverage or savings are insufficient, term critical illness insurance can serve as a backup in old age.

So Bowtie extends the renewal age to Age 10012,13,14. This upgrade gives you greater flexibility to choose whether to retain critical illness protection or how much to retain.
Want to know more?
Talk to the product specialist.
12. With the policyholder's confirmation, Bowtie will switch the "Term CI Multiple Cover" and "Term CI Early Stage and Multiple Cover" to "Term CI" when the insured person renews at age 85. The policy will automatically be renewed from age 86 to 100.
13. The multiple CI cover and early-stage CI cover will end on the plan anniversary immediately following the 85th birthday.
14. Upon renewal at age 86, all policies will be converted to "Term CI". Under the "Term CI" coverage, the protection will terminate after one time critical illness claim.Note: If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured.

Note: If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured.
6k+
客戶已購買Bowtie 危疾保
100%
賠償率
93%
整體客戶對客服滿意度評分
根據內部數據顯示，從 2019 年起至今，我們與客戶的 165,000 次互動中，客戶對我們服務滿意度為 92.5 %。
90%
成功自行在網上完成投保
以上為截至 2023 年 2 月， Bowtie 自願醫保「靈活計劃-基本」的平均自付金額為例。

Claim stories

Over 8,000 customers have already purchased Bowtie Term CI insurance

Mrs. Cheung | Retired civil servant
Breast cancer
$500,000
Even doctors deem Bowtie “magical”?
How did Mrs. Cheung transform from holding a negative impression of insurance to becoming an advocate?
Read more →
Mr Chan | School staff
Nasopharyngeal cancer
$1,000,000
“Marginal diabetes” almost led to claim ineligibility?
We ensure rightful claims!
‍
Read more →
The above cases are shared with customers’ consent and for the purpose of reference.

Highly praised by the industry

Policy sold through direct channel 8
2021-2023H3
Insurance brand that customers think are best value in money 9
‍2021-2022
Customer satisfaction 10
2021-2022
10Life Fair Rating

No.1 in Term Critical Illness Category#

💡 Most Term CI products in the market do not cover recurrence of the 3 Major Illnesses.
個案
醫療費用^
一般計劃
Bowtie
靈活計劃保障*
🤒 因傷風感冒前往醫院門診或診所求醫 (但毋須住院或接受手術)
門診診金+
藥費+腸鏡檢查
-
-
🔎 因大便有血前往診所求醫
獲轉介進行門診腸鏡檢查
覆診診金+
藥費
✓
✓
😷 接受腸鏡檢查
一星期後前往診所覆診
門診診金 +
治療費用*
✓
✓
🤕 因意外受傷而前往醫院門診或醫院急症室求醫 (不包括一般西醫診所)
門診診金 +
治療費用
-
✓
在診所洗腎
洗腎費用
-
✓
Covers 37 suggested Major Critical Illnesses*
Multiple claims for 3 Major Critical Illnesses and other critical illnesses
Covers from 15 days - 65 years old
Online Application
#Source: 10Life, Bowtie's "Term CI - Early Stage and Multiple Cover" was awarded a 5-star Term Critical Illness Insurance Award and ranked No.1 in the Term Critical Illness category (as of 21 December 2023).
*10Life refers to the definition of major critical illnesses by the Life Insurance Association Singapore, click here to learn more.
10Life Fair Rating

Lowest Average Annual Premium15

15 According to 10life, the online insurance comparison platform (referenced on March 11, 2024), among the top 4 ranked annually renewable Term Critical Illness insurance plans for ages 25-45, Bowtie's Term CI - Early Stage and Multiple Cover received the highest score, and its premium was also the lowest among the 4 insurance companies. The above chart uses the premium for a 35-year-old man as an example. Please note that the coverage and underwriting criteria of different companies' products may vary. Customers should select relevant products according to their individual or actual needs.
‍
The above premium is updated as of December 21, 2023 and does not include the premium levy charged by the Insurance Authority. Source: 10Life
Benefit table
Plan Coverage
Recommended

Term CI - Early Stage and Multiple Cover

Term CI - Multiple Cover

Term CI

Maximum no. of claims
Maximum no. of claims

Early stage critical illnesses: 5 times
Major critical illnesses: 5 times

Maximum no. of claims

Major critical illnesses: 5 times

Maximum no. of claims

Major critical illnesses: 1 time

Each claim payout
(% of sum insured)
Each claim payout is equivalent to a % of sum insured 

Early Stage CI：20% of the sum insured16
‍Major CI：100% of the sum insured

Each claim payout is equivalent to a % of sum insured 

Major critical illnesses: 100%

Each claim payout is equivalent to a % of sum insured 

Major critical illnesses: 100%

Early Stage CI Benefit
Early Stage CI Benefit
Covers carcinoma-in-situ,  early stage malignancy and “angioplasty”
Early Stage CI Benefit
Early Stage CI Benefit
Coverage
Coverage

4 Early stage CI

+ 42 Major CI

+ 4 “supplementary coverages”

Coverage

42 Major CI 

+ 4 “supplementary coverages”

Coverage

42 Major CI 

+ 4 “supplementary coverages”

Compassionate Death Benefit
Payable to the Beneficiary when the Insured Person dies.
Compassionate Death Benefit

5% of Sum Insured

Compassionate Death Benefit

5% of Sum Insured

Compassionate Death Benefit

5% of Sum Insured

Survival period
Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions. 
Level Up!
Survival period11
Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions. 
Level Up!
Survival period11
Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions. 
Level Up!
Survival period11
Many CI products in the market have survival period restrictions. This means that if the insured person does not survive within 14 days after the diagnosis of a major critical illness, they will not receive any benefits. However, Bowtie's CI products do not have such restrictions. 
Remarks：When the insured person reaches the renewal age of 85, Bowtie will make contact with the policyholder. With the confirmation of the policyholder, Bowtie will switch the "Term CI Multiple Cover" and "Term CI Early Stage and Multiple Cover" to "Term CI" , the policy will automatically be renewed from age 86 to 100 then:

- The multiple CI cover and early-stage CI cover will end on the plan anniversary immediately following the 85th birthday.
- Supplementary Coverages of “Total Permanent Disability” and “Loss of Independent Existence” will end on the plan anniversary immediately following the 65th birthday.
- Supplementary Coverages of “Major Medical Treatment” will end on the plan anniversary immediately following the 69th birthday.　

If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured. For example, a man purchases $1 million Bowtie Term CI, renews it till the age of 82, and then suffers from critical illnesses unfortunately at the age of 82. The total paid premium may exceed $1 million.

Product Documents

Bowtie Term CI series
Premium Calculator (Excel)
suitable for desktop download
Bowtie Term Critical Illness
Bowtie Term Critical Illness
Multiple Cover
Bowtie Term Critical Illness
Early Stage and Multiple Cover

Important Product Information

Product Category
All Bowtie critical illness products are Term Critical Illness Products. They are pure critical illness protection plans without any savings component. If the insured person is diagnosed with any major critical illnesses or early-stage critical illnesses covered under the plan, we will pay out a lump sum of the sum insured. The use of this payout is unlimited.
Issue age
15 days – age 65
Minimum Sum Insured
HK$100,000
Maximum Sum Insured
HK$4,000,000 (Issue age: 15 days - 45 years old)
HK$2,500,000 (Issue age: 46 - 60 years old)
HK$1,500,000 (Issue age: 61 - 65 years old)
Once your policy is in force, your sum insured will remain unchanged. For example, if you bought a sum insured of $4,000,000 before the age of 45. Your sum insured remains $4,000,000 even when you reach the age of 85 or above .If you wish to change your sum insured, you can make the request on Bowtie’s online platform at least 30 working days before the next renewal date.
Compassionate Death Benefit
5% of the sum insured
Payable to the Beneficiary when the Insured Person dies.
This benefit is only payable when the Critical Illness Benefit has neither become payable nor been paid.
Period of Cover
1 year – Guaranteed annual renewal up to age 100
When the insured person reaches the renewal age of 85, Bowtie will make contact with the policyholder. With the confirmation of the policyholder, Bowtie will switch the "Term CI Multiple Cover" and "Term CI Early Stage and Multiple Cover" to "Term CI" , the policy will automatically be renewed from age 86 to 100 then:
  • The multiple CI cover and early-stage CI cover will end on the plan anniversary immediately following the 85th birthday.
  • Supplementary Coverages of “Total Permanent Disability” and “Loss of Independent Existence” will end on the plan anniversary immediately following the 65th birthday.
  • Supplementary Coverages of “Major Medical Treatment” will end on the plan anniversary immediately following the 69th birthday.
If the insured person is diagnosed with a critical illness at a very old age, the total critical illness premiums paid may exceed the sum insured. For example, a man purchases $1 million Bowtie Term CI, renews it till the age of 82, and then suffers from critical illnesses unfortunately at the age of 82. The total paid premium may exceed $1 million.
Waiting period
Applicable to Bowtie Critical Illness Series : 90 Days
‍Any illnesses diagnosed or symptoms manifested within the 90-day waiting period from the policy effective date will not be covered.

Applicable to Bowtie Term CI Multiple Cover and Bowtie Term CI Early Stage and Multiple Cover only - Multiple Cover Benefit Waiting Period : 2 years

‍For Multiple Cover Benefit, no benefit will be paid for any subsequent Major Critical Illness diagnosed (except for Subsequent Cancer) or Major Surgical Procedure performed within 2 years from the date of diagnosis of the preceding Major Critical Illness or the performance of the preceding Major Surgical Procedure which is payable under this Plan.

Applicable to Bowtie Term CI Early Stage and Multiple Cover only - Early Stage Critical Illness Benefit Waiting Period : 2 years
‍For Early Stage Critical Illness Benefit, no benefit will be paid for any subsequent Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed within the Early Stage Critical Illness Benefit Waiting Period, i.e. two (2) years from the date of diagnosis of the preceding Early Stage Critical Illness or the performance of the preceding Early Stage Critical Illness Surgical Procedure which is payable under this Plan.
Survival Period
None
The Insured Person must be alive on the date that the definition of Major Critical Illness, subsequent Major Critical Illness or Early Stage Critical Illness (as defined in the Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures) is satisfied, and the medical evidence to reach such diagnosis is issued when the Insured Person is alive. No medical test or examination concluded after the Insured Person’s death will be considered in evaluating a claim.

Our critical illness protection products are designed to assist in covering your loss of income and additional expenses during an occurrence of an early stage critical illness or major critical illness. This plan is not intended to overlap or serve as a substitute for life insurance.
Additional requirements for Multiple Cover Benefit
(Applicable to Bowtie Term CI Multiple Cover and Bowtie Term CI Early Stage and Multiple Cover only)
For Multiple Cover Benefit, the below critical illnesses shall fulfill additional requirement:
Cancer:
  • A subsequent Cancer following any preceding Cancer claim(s) that we have paid, is:
    (i) any Cancer that has reappeared, metastasised, continued without remission, or a new primary Cancer, that is diagnosed after your preceding Cancer claim;
    (ii) the Cancer exists at, or after the end of the Multiple Cover Benefit Waiting Period; and
    (iii) the Insured Person has received Active Treatment in the 12 months immediately prior if the subsequent Cancer is reappeared, metastasised or continued without remission.
    ‍Active treatment refers to any cancer directed surgery, radiotherapy, cytotoxic chemotherapy, targeted therapy or immunotherapy. It does not include any treatment given solely as palliative care or hormonal therapy.
Heart Attack:
  • A subsequent Heart Attack following any preceding Heart Attack claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing diagnosis of a new event (e.g. a newly diagnosed death of a portion of heart muscle). 
Stroke:
  • A subsequent Stroke following any preceding Stroke claim(s) that we have paid, demonstrates fresh diagnostic findings evidencing diagnosis of a new event and of new or increased neurological functional impairment (e.g. a newly diagnosed cerebrovascular accident or incident).
    Brain-related symptoms caused by migraines are not eligible for stroke claims.
Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease:
  • If any benefit has already been paid for Heart Attack, we will not pay a Multiple Cover Benefit for any Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease.
This coverage will end on the plan anniversary immediately following the 85th birthday.
Additional requirements for Early Stage Critical Illness Benefit
(Applicable to Bowtie Term Critical Illness - Early Stage and Multiple Cover only)
For Early Stage Critical Illness Benefit, the below early stage critical illnesses shall fulfill additional requirement:
Carcinoma-in-situ:
  • Up to 2 claims - to be eligible for the second claim, the carcinoma-in-situ must occur in a specific organ different from the organ in the first claim.
Angioplasty, Atherectomy or Minimally Invasive Direct Coronary Artery Bypass Grafting for Coronary Arteries:
  • Up to 2 claims - to be eligible for the second claim, the treatment must be performed on a location of stenosis in a major coronary artery where no stenosis of greater than 50% was identified in the medical examination relating to the first claim.
Other early stage critical illnesses:
  • Maximum 1 claim 
    This coverage will end on the plan anniversary immediately following the 85th birthday.
    Cooling-off Period
    21 days
    You may cancel the Plan and receive a full refund of premiums within the cooling-off period
    Renewal
    • 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.
    Policy Cancellation
    Make the request on Bowtie’s online platform at least 30 working days before the next renewal date
    Tax Deduction
    Not applicable

    Exclusions

    No benefit will be payable under the Plan for Major Critical Illness, Major Surgical Procedure, Early Stage Critical Illness, Early Stage Critical Illness Surgical Procedure or death caused directly or indirectly, wholly or partly, by any of the following events; and/or in the following circumstances:
    • Waiting period: the Insured Person dies or suffers from any illness, the sign(s) and/or symptom(s) of, or undergoes a surgery, the cause(s) and/or condition(s) which, have been manifested within ninety (90) days following the Policy Effective Date (except for an illness or surgery caused directly by an Accident and diagnosed within ninety (90) days from the date of the Accident);
    • Pre-existing condition(s);
    • HIV and AIDS: any illness, disease, ptomaines or infection (except infection which directly results from an accidental cut or wound). This includes infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof, except for (1) AIDS/HIV due to Blood Transfusion or (2) Occupationally Acquired HIV (as defined in the Definitions of Major and Early Stage Critical Illnesses and Surgical Procedures);
    • Drugs, suicide and illegal activities: (i) dependence, overdose or influence of drugs, alcohol, narcotics or similar substances or agents; (ii) intentional self-inflicted injuries; (iii) attempted suicide or threatened suicide, while sane or insane; (iv) illegal activity; or (v) violation or attempted violation of the law, or resistance to arrest;
    • Armed forces: participation in any armed force or peace-keeping activities;
    • Nuclear, biological, and chemical activities: nuclear, biological, and chemical related activities. This includes, but is not limited to, nuclear fission, nuclear fusion, ionising radiation or contamination by radioactivity from any nuclear fuel, nuclear waste resulting from combustion of nuclear fuels or nuclear weapons, or any act of nuclear, chemical or biological terrorism, including but not limited to the use of nuclear, biological or chemical weapons and agents; or
    • War and terrorism: revolutions and war (declared or undeclared), or acts of terrorism.
    No Multiple Cover Benefit will be payable in the following circumstances:
    • the same Major Critical Illness or Major Surgical Procedure for which a Major Critical Illness Benefit or Multiple Cover Benefit has already been paid (except for Heart Attack, Stroke and Cancer);
    • a Major Critical Illness or Major Surgical Procedure which, in our opinion (as confirmed by a Registered Medical Specialist acceptable to us):
    • is a complication of;
    • arises in connection with;
    • results from; or
    • is a treatment for 
    • a condition for which a Major Critical Illness Benefit or Multiple Cover Benefit has already been paid (except for Subsequent Cancer);
    • any Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease, if Major Critical Illness Benefit or Multiple Cover Benefit has already been paid for Heart Attack;
    • any Major Critical Illness diagnosed (except for Subsequent Cancer) or Major Surgical Procedure performed during the Multiple Cover Benefit Waiting Period;
    • any Major Critical Illness diagnosed or Major Critical Illness Surgical Procedure performed, if on the Policy Effective Date or the last Plan Anniversary (if this Plan has been Renewed), the Age of the Insured Person exceeds 85.
    No Early Stage Critical Illness Benefit will be payable in the following circumstances:
    • the same Early Stage Critical Illness or Early Stage Surgical Procedure for which an Early Stage Critical Illness Benefit has already been paid (except for “Carcinoma-in-situ” and “Angioplasty and other Invasive Treatments for Coronary Artery” );
    • a Major Critical Illness Benefit that has been paid or is payable;
    • any Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed during the Early Stage Critical Illness Benefit Waiting Period;
    • any Early Stage Critical Illness diagnosed or Early Stage Critical Illness Surgical Procedure performed, if on the Policy Effective Date or the last Plan Anniversary (if this Plan has been Renewed), the Age of the Insured Person exceeds 85.
    The information on the page is for reference only, please refer to the full and detailed policy Terms and Conditions.

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    Bowtie Life Insurance Company Limited (the Company/Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Critical Illness Insurance, Bowtie Critical Illness Insurance (Multiple Cover) and Bowtie Critical Illness - Early Stage and Multiple Cover Insurance plans are underwritten by the Company and are only intended to be sold in Hong Kong. The above information is for reference only. For detailed terms and conditions of the product, please refer to the Plan Terms and Conditions and product documents.
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    Remarks
    The above is for reference only. For detailed terms and conditions, product risks, and exclusions, please refer to the policy document.
    1 Source: 10Life Insurance Comparison Platform, "Bowtie Early & Multiple Critical Illness Insurance" was awarded the 5-Star Term Critical Illness Insurance Award in 2023 and ranked first in the Term Critical Illness category (as of December 21, 2023). For details: www.10life.com.
    2 For claims related to Multiple Critical Illness Benefit, Cancer (reappeared, metastasised, continued without remission, or a new primary Cancer, that is diagnosed after your preceding Cancer claim), Stroke, Heart Attack and other related heart diseases (including Coronary Artery By-Pass Grafts or Other Serious Coronary Artery Disease) are subject to additional requirements. Please refer to the policy terms and conditions, and exclusions for details.
    3 Based on data from the Hospital Authority Hong Kong Cancer Registry website [Accessed on: June 2023] and calculated using the "cumulative risk" formula provided.
    4 According to a related report on Economic Times, the median treatment time for lung cancer is 28 months, plus a 6-month recuperation period.
    5 Source: Cancer information website - Lack of government planning for cancer treatment in Hong Kong (2018).
    *10Life refers to the definition of Critical Illnesses by Life Insurance Association Singapore (LIA Singapore). Click here to learn more. 
    15 On March 11, 2024, Bowtie referenced the online insurance platform 10Life to compare annually renewable term critical illness insurance for individuals aged 25-45. Among the top 4 ranked insurance companies, Bowtie Early & Multiple Critical Illness Insurance received the highest rating and had the lowest premium. The chart above uses the premium for a 35-year-old as an example. Please note that the coverage and underwriting criteria of different companies' products vary, and customers should choose products based on their personal or actual needs. The above premium information is updated as of December 21, 2023, and does not include the levy charged by the Insurance Authority. Source: 10Life Insurance Comparison Platform.
    16 The Early Critical Illness Benefit provides a benefit equal to 20% of the sum insured, subject to a maximum benefit of HKD 300,000 per claim and a total benefit limit of 100% of the sum insured or HKD 1,500,000 (whichever is lower). A waiting period and a maximum number of claims for each covered Early Critical Illness apply. The Early Critical Illness Benefit will terminate automatically upon the earlier of any payment or eligibility for payment of any Major Critical Illness Benefit. Please refer to the policy terms and conditions, and exclusions for details.
    ‍
    Note: Bowtie Life Insurance Company Limited (the Company/Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie Critical Illness Insurance, Bowtie Critical Illness Insurance (Multiple Cover) and Bowtie Critical Illness - Early Stage and Multiple Cover Insurance plans are underwritten by the Company and are only intended to be sold in Hong Kong. 

    Note: Terms and Conditions apply.
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    How much coverage is considered sufficient?
    Treatment and rehabilitation for a critical illness typically lasts 2 to 3 years. Therefore, it is generally recommended that your sum insured be 2 to 3 times your annual income.

    Want to accurately calculate your insurance needs? Get “personalised recommendations” .
    Click “by product” > “critical illness”
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    How costly are treatments for critical illnesses? Is medical insurance already sufficient?
    The cost of treating critical illnesses could be huge. If we take cancer as an example, Immunotherapy drugs cost approximately HK$30k to HK$60k per dose*. The effective period per dose is usually around three weeks, and the ideal treatment may take up to two years. On average, calculations based on HK$45k x 17 doses x 2 years, the cost of immunotherapy drugs alone could exceed HK$1.5 million. Even if you have medical insurance coverage, unless you have purchased a high-end plan that covers all expenses (such as Bowtie Pink), a large portion of the cost may still have to be paid out of pocket.

    More importantly, according to reports from etnet, the treatment period for critical illnesses can last up to 28 months, and assuming an additional 6 months of recovery is needed after completing treatments, critical illness patients may need up to 3 years to return to the workforce. During this period, you need to consider whether you have enough savings to cover all the essential living expenses. Critical illness insurance can provide a lump sum payment, which can not only supplement the cost of treatment but also support various living expenses during the treatment period.

    *Information obtained from Cancerinformation.com.hk
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    Should I go for a “Term” or “Savings” CI insurance?
    We recommend adhering to the principle “Protection first, savings later”. 
    • The decision to choose a savings plan over “sufficient protection” under a limited budget carries significant risks, as one may regret the decision if they actually experience a critical illness and realise their sum insured was insufficient to cover related expenses.
    • You can consider first purchasing a Term CI plan for basic protection, then adding a savings plan later on to suit other financial needs.
    Bowtie Term CI - Early Stage & Multiple Cover
    Typical savings critical illness plan
    Premiums*
    Premiums*
    $211
    Premiums*
    $2,700
    Savings component
    Savings component
    None
    Savings component
    Policies normally come with savings component and cash value
    Payment method
    Payment method
    Monthly payments, premiums increase with age
    Payment method
    Level premiums throughout a fixed payment period of up to 25 years
    Termination
    Termination
    Only requires 30 working days’ prior notice
    Termination
    Early termination typically comes with a loss in cash value of the policy
    *Calculations are based on the standard premium of a 35-year-old non-smoking male applying for "Bowtie Term CI - Early Stage & Multiple Cover" with a sum insured of HK$1 million. The premium value for critical illness savings insurance is obtained by averaging the standard premiums from 6 critical illness savings plans that provide multiple cover and have payment periods of 18-20 years, as of March 10, 2022.
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