Specialized for Hong Kong SME

Onboard your new staff in 5 minutes

All-in-one Employee Medical Benefits, digitalised and accessible.

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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.

Trusted by employers

Over
500
Companies
Over
10K
Members Insured
Average
2.7days
Outpatient Claim Turnaround
Average
8.5days
Inpatient Claim Turnaround
* Data extracted from first quarter of 2024; the claims process will be quicker and smoother if all required documents submitted on time.
* eClaims accept e-copy without limit on amount

Compare our group medical plans

3 series, 7 plans Choose 1 that fits your needs
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.

Special offers

*The promotion is subject to terms and conditions and is only applicable to policies of Pro Bronze, Pro Silver, or Pro Gold medical insurance plans successfully insured with Bowtie Insurance Company from July 1, 2023 to September 30, 2023.

Redefining Group Medical Insurance

Good value for money for startups and SMEs
Redefining Group Medical Insurance
Good value for money for startups and SMEs
Bowtie
Traditional insurers
Pricing
Transparent pricing of from $98/month per member1
Premium includes intermediary commissions and may be unclear
Min. number of employees
3
2 - 10
Application
Digital experience with 1-on-1 customer support 
Massive paperwork and heavy reliance on the intermediary
Policy activation
Activate coverage for new members online in just 5 minutes2
Take 5 to 10 working days3 to process update requests
Claims process
Submit your claims online and approval only takes 5 working days on average4
Rely on physical documents and may take 3 weeks for claim approval3
Customer service
Our professional customer service team and claims specialists always stand by you
Mostly indirect communication with the insurer via the intermediary
1 Applicable to Basic Silver plan.
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 was obtained from the websites of various insurance companies and is for reference only. For details, please refer to official sources.
4 Claims data was extracted from Bowtie's internal records in the first quarter of 2024; the 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.

Go digital with our online portals

Everything simplified, all in one place
Paperless process
Check policy info with one click
We’re here when you need help
Claim online anytime, anywhere
1
Log into the Bowtie Online Platform
2
Answer a few simple questions
3
Upload the required documents to claim

How Bowtie helps Start-ups & SMEs?

Celine Wong
Founder
"We believe that providing Group Medical is the first step to retaining employees, apart from salaries. As a small-scale F&B, never imagine we can get affordable plans with basic coverages and body check, especially for part-timers. The digital portal is also impressive as we can manage easily through few clicks."
Nancy
Group Head of People & Culture
"Putting people first" has always been a core value of WeLab, and the wellness of our colleagues is a core part of our people strategy. Our colleagues enjoy a wide range of Group Medical benefits and wellness programs, allowing them to face the challenges of work and life at any time in their best condition."
Peter Chan
Founder and Managing Director
"As a psychologist-cum-bussiness executive, I believe that offering team members peace of mind is a prerequisite to great performance because it enables employees to focus on what's truly motivating for them. This is exactly what Bowtie's medical plan has offered. Our team and I have greatly enjoyed its ease of use, transparency and degree of protection, and from the business owner's perspective, it's an affordable solution for SMEs that want to offer the best for their employees."

FAQs

Are general practitioners and specialist consultations covered under Bowtie Corp Medical Insurance?

Outpatient consultation costs for specialists and general practitioners are covered under Pro Bronze, Pro Silver, Pro Gold, and Pro Platinum plans. Additionally, all plan levels include a BowtieGo membership, which entitles you to member-exclusive prices for general practitioners and specialists within the BowtieGo medical network.

What dental benefits are covered under Bowtie Corp Medical Insurance?

Under our Pro Bronze, Pro Silver, Pro Gold and Pro Platinum plans, you can enjoy dental benefits including oral examinations, scaling and polishing, accidental denture treatment, extraction and filling, and dental X-ray. Additionally, all plan levels include a BowtieGo membership, which entitles you to member-exclusive prices for dental services within the BowtieGo medical network.

Does Bowtie Corp Medical Insurance Plan provide pregnancy coverage?

Diagnostic of pregnancy or resulting childbirth, abortion, miscarriage, or any complications from the above are excluded from our policy coverage. However, any Insured Person can access obstetrics and gynaecology specialist consultation services at member-exclusive prices.

Are dependents eligible for benefits under Bowtie Corp Medical Insurance?

To provide even more attractive employee benefits, employers can enrol the spouses and children of their employees in the same Bowtie Corp Medical Insurance plan. 

Do inpatient benefits cover pre-existing conditions?

In our policies, ‘pre-existing conditions’ are defined as any injury, illness, condition, or symptom presented prior to the commencement of the policy whether or not it is congenital or acquired, and whether or not the condition has been diagnosed. If an employee has been insured under any Bowtie Corp Medical Insurance Plan for more than one year, their ‘pre-existing conditions’ will be covered.

How to make an insurance claim?

You can log in to Bowtie’s online portal to submit a claim application anytime and anywhere. Simply answer a few questions and upload the required documents, and you can complete the process in as little as 5 minutes.

Will the premium be adjusted at renewal?

Bowtie’s Corp Medical Insurance Plans are package plans by nature and are less prone to premium adjustments when compared to tailor-made plans on the market. In package group medical plans, risks are shared between many groups across a larger risk pool and the claims experience is more stable.

In contrast, the renewal premium of tailor-made plans could be highly volatile as it is determined by the company’s past loss ratio – the higher the claim ratio, the higher the renewal premium, making it more difficult for SMEs to control costs.

In case of any personnel changes in the company during the policy year, how will it be reflected in the premium?

If the number of insured members changes during the policy year, a premium adjustment will be paid by (or refunded to) you to reflect the change by the end of each policy year. As employers or HRs, you may log in to our employer portal to update the member list at any time.

What is the BowtieGo member-exclusive price?

BowtieGo is a health and wellness membership programme managed by Bowtie Life Insurance Company Limited. With a BowtieGo membership, you can enjoy outpatient and dental services at special prices within the BowtieGo medical network. You may refer to the customer portal for the latest information on service providers and pricing.

Is there a minimum requirement for the number of employees?

To apply for Bowtie Corp Medical Insurance, a minimum of 3 employees is required.

Is there any age limits for employees to be covered?

Coverage under Bowtie’s Corp Medical Insurance plans is available to all members (and their spouses, if applicable) of age 75 years or below. Children must be 15 days old to 25 years old to be covered. A child between the age of 18 and 25 must be a full-time student with valid proof accepted by us.

Is there any underwriting (i.e., health declaration) required?

No, this product does not require underwriting.

Remarks:
Customers should purchase a plan according to their company’s needs or actual conditions.
The above is for reference only, please refer to the policy provisions for the detailed terms and conditions. Bowtie Corp Medical Insurance Plan is underwritten by Bowtie and is intended only for sale in Hong Kong.