AFFORDABLE TO ALL SMEs

Bowtie Group Insurance

Limited Time Offer: Upon successful application, free HK$100 Deliveroo e-voucher+ 
Learn More

Affordable to all SMEs in HK

Body Check Included4. As low as $98/month1 per employee.

All-in-one plan with both inpatient protection and outpatient benefits2, plus annual body check4.
Everyone is happy. At a price you can afford.

Enjoy member’s special rate2 directly with no claim process.

Access to our network of dentists and doctor specialists, show QR code to enjoy instantly.
No referral letter (except Physiotherapist). A simplified process to provide health benefits to your team.

Your Employees. Their parents3 and family too

Protect your company’s biggest assets so you and your staffs can focus on your company.

Includes General consultation, Chinese medicine practitioner consultation, specialist consultation and dental services. Unlimited visits to all outpatient services at Member Exclusive Price. No medical referral letter required, except for physiotherapy.

Over 1300 Doctors

Hong Kong Island 270+ | Kowloon 600+ |
New Territories 440+
Limited Time Offer One:
  • Eligible policy holders can enjoy $100 Deliveroo e-voucher for FREE+
Limited Time Offer Two:
  • Bowtie partners with a SME payment platform Reap, offering owners to use credit cards for free to pay any company expenses such as procurement, rent, payroll with up to 58 days cash flow period and up to HK$20,000 total transaction#.

Choosing Cover That is Right For You

Start up LEvel

$10
Per Person, Per Month
Bowtie’s Recommendation
Best coverage to Startup Company
(Company size: 3 people and above)
yes

Outpatient Benefits

Unlimited Visits

Reference Co-payment amount starting from: 5

General consultation:
from $200 (inclusive 3 days of Western medicine)

Chinese Medicine Practitioner consultation:
from $165 (inclusive 2 days of Chinese medicine)

Physiotherapy:
from $220

Otorhinolaryngology:
from $420

Obstetrics & Gynecology:
from $500

Sports therapy:
from $540

(Limited to BowtieGo Medical Network)

no

Inpatient and Day Case
Procedure Benefits

yes

Dental Benefits

Reference Co-payment amount starting from: 5

$195/visit
(Limited to BowtieGo Medical Network)

yes

Death Benefits

$3,000

no

Health Check-up / Year

Online policy application

management and claim through
our powerful digital platform

Eligibility

All Employee / spouse / child / parents

Growth LEvel

$98
Per Person, Per Month
Bowtie’s Recommendation
Comprehensive group medical &
life insurance protection
Annual Health check-up per
Policy Year
(Company size: 3-20 people)
yes

Outpatient Benefits

Unlimited Visits

Reference Co-payment amount starting from: 5

General consultation:
from $200 (inclusive 3 days of Western medicine)

Chinese Medicine Practitioner consultation:
from $165 (inclusive 2 days of Chinese medicine)

Physiotherapy:
from $220

Otorhinolaryngology:
from $420

Obstetrics & Gynecology:
from $500

Sports therapy:
from $540

(Limited to BowtieGoMedical Network)

yes

Inpatient and Day Case
Procedure Benefits

80% of Eligible Expenses

Total $20,000/Policy Year

yes

Dental Benefits

Reference Co-payment amount starting from: 5

$195/visit
(Limited to BowtieGo Medical Network)

yes

Death Benefits

$20,000

yes

Health Check-up / Year

(Recommended Retail Price $1,690)

Online policy application

management and claim through
our powerful digital platform

Eligibility

Employee / spouse / child

ENTERPRISE LEVEL

$198
Per Person, Per Month
Bowtie’s Recommendation
Upgraded group medical coverage Preferred plan for employees (Company size: 3-200 people)
yes

Outpatient Benefits

Unlimited Visits

Reference Co-payment amount starting from: 5

General consultation:
from $200 (inclusive 3 days of Western medicine)

Chinese Medicine Practitioner consultation:
from $165 (inclusive 2 days of Chinese medicine)

Physiotherapy:
from $220

Otorhinolaryngology:
from $420

Obstetrics & Gynecology:
from $500

Sports therapy:
from $540

(Limited to BowtieGoMedical Network)

yes

Inpatient and Day Case
Procedure Benefits

80% of Eligible Expenses

Total $50,000/Policy Year

yes

Dental Benefits

Reference Co-payment amount starting from: 5

$195/visit
(Limited to BowtieGo Medical Network)

yes

Death Benefits

$50,000

yes

Health Check-up / Yea

(Recommended Retail Price $1,690)

Online policy application

management and claim through
our powerful digital platform

Eligibility

Employee / spouse / child

Including Coverages , Exclusions and Key Product Risks

Testimonials

Our employees were thrilled knowing we have partnered with Bowtie to provide group medical insurance for them. Since it is so affordable, we are able to provide the same coverage for their family as well. It really aligns with our company value - compassion and care - not only for our patients but for our employees and their families.

Creature Comforts Veterinary Group

Getting insurance from Bowtie was quick and easy. Policy information was readily available and I was able to subscribe to a policy with a few clicks. Very pleased with my experience with Bowtie.



Starlity Limited

Sunlife Logo

Backed by Sun Life Financial

Bowtie raised US$30M in Series A funding and was approved by the Insurance Authority to become
Hong Kong's first virtual insurer.

Frequently Asked Questions

1. What are “Core Plan Level” and “Supplementary Plan Level”?

You will have to choose one plan level as your Policy’s main coverage (Core Plan Level), while you could flexibly purchase the Startup Level as your Policy’s Supplementary Plan Level for those employees and/or their dependent where the Core Plan Level’s eligibility requirement are not met.

2. How do I update the member list?

You can easily add or terminate coverage on employees through Bowtie’s online platform. It is important that you keep the information you have with us up-to-date, especially if there are changes to member list. A premium adjustment will be paid by (or refunded to) you to reflect such change by the end of each Policy Year.

3. Is there any underwriting required to purchase this Policy?

You do not need to go through any underwriting process when purchasing this Bowtie product.

4. What is “Member Exclusive Price”?

The Insured Person can enjoy special price when accessing Outpatient and Dental services under the Bowtie Medical Network.

Member exclusive price varies by practitioners and is subject to change from time to time. Please refer to the customer portal for latest information.

5. Does Bowtie Group Insurance Plan include specialist consultation?

The Insured Person from all Plan Levels can access to specialist consultation with member exclusive price, including Cardiology, Cardio-thoracic Surgery, Clinical Oncology, Endocrinology, Diabetes & Metabolism, Gastroenterology & Hepatology, Geriatric Medicine, Medical Oncology, Neurosurgery, Obstetrics & Gynecology, Ophthalmology, Orthopedics & Traumatology, Otorhinolaryngology, Plastic Surgery, General Surgery and Urology.

6. Does Bowtie Group Insurance Plan cover Dental Services?

The Insured Person from all Plan Levels have access to Dental Services, including oral examination, scaling and polishing at member exclusive price.

7. Does Bowtie Group Insurance Plan provide pregnancy coverage to employees?

Diagnostic of pregnancy or resulting childbirth, abortion, miscarriage or any complications from the above are excluded in the policy coverage. However, the insured person can access to Obstetrics & Gynaecology specialist consultation services at Bowtie’s member exclusive price.

8. Can the employee dependents join the above Group Insurance Plan as well?

To provide a more holistic medical protection to the employees, employer can enroll Bowtie Group Medical Insurance Plan for any spouse, kids or parents (Supplementary Plan level only) of their employees.

Remarks –
1. Applicable to Growth Level only, the price listed above is per person per month. Bowtie Group Insurance has three plan levels in total, employer can choose the suitable plan upon their company needs. 
2. Applicable to Outpatient and Dental services provided by BowtieGo Medical Network only. The actual amount paid depends on the doctor and actual medical needs.
3. Applicable to Startup Level only.
4. Applicable to Growth Level and Enterprise Level only.
5. Price listed above is reference from the BowtieGo panel doctors (last update on May 31,2020). Member exclusive price varies by practitioners and is subject to change from time to time.
Please refer to the customer portal for latest information.
^Bowtie Service Hotline number 3008 8123. Monday – Friday 9am to 7pm; Saturday 10am to 2pm.
* The above product information is for reference only. For detailed benefit limits, please refer to Policy Terms & Conditions.
Bowtie Life Insurance Company Limited is incorporated in Hong Kong with limited liability.
Bowtie Group Insurance Plan is underwritten by Bowtie and is intended only for sale in Hong Kong. The above is for reference only, please refer to the policy provisions for the detailed terms and conditions.
#Upon successful application of designated plans, the eligible policyholders could pay any company expenses at Reap with credit cards by waiving service fee (applicable up to HK$20,000 on office rental,supplier invoices,employee payroll etc, ), and achieve more flexible use of resource. Terms and Conditions applied.
+ Each e-coupon is valued at HK$100. Total number of the voucher will be subject to the number of Insured Person (insured employee & its family members) of Core Plan Level in the Eligible Policy stated on the enrolment date. Deliveroo Hong Kong Limited (Deliveroo) is the supplier of the e-voucher. Terms and Conditions applied. The Offer is not applicable to the Supplementary Plan Level.The Offer is not applicable to the Supplementary Plan Level.