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Why Bowtie
We keep improving the insurance experience.
Personal Insurance
Find an insurance that fits you best.
Health Programs
Your health is what we care.
Group Insurance
Affordable to all SMEs.
Help Center
Our team is always ready to assist you.
Partners from startups, SMEs, and well-known brands use our commercial solutions.
Small-scale startups can hardly get insured with traditional insurance policies.
As a startup in Hong Kong, PressPlay's employees work round the clock for the company. That’s why PressPlay insists on providing basic medical coverage for its employees with limited resources. However, when considering corporate medical insurance plans from traditional and virtual insurance companies, we realized most traditional insurers refuse to provide protection to a small company with only a few employees. Therefore, we chose Bowtie at last. Not only did Bowtie have a professional team which shared with us a suitable corporate plan, but they also explained each insurance item in detail.
What we like most about Bowtie is that it offers a cost-effective plan for companies with as few as 3 employees and with comprehensive coverage at a low cost.
Bowtie makes the price and benefit items transparent, and the platform design and tips make the product easy to understand. Of course, what we like most about Bowtie is that it offers a cost-effective plan for companies with as few as 3 employees and provides comprehensive coverage (inpatient claims, outpatient discounts and annual medical check-up) at a low cost to SMEs.
Even without an intermediary, there is a dedicated specialist to follow up on the policy, and you can also check the progress of your claims or get advice on medical services in real-time. With the patience and professionalism of the customer service team, we can see that Bowtie is reinventing the experience for group medical insurance plans.
Cynthia Huang
Business Director, Hong Kong
The above is customer experience for sharing and reference only. Information contained herein should not be regarded or interpreted as an offer, solicitation, or a recommendation to sell, purchase or subscribe to any Bowtie products. Please refer to the policy provisions for the detailed terms and conditions.
Basic medical coverage does not satisfy employees' needs for medical benefits.
Inpatient and outpatient benefits are the standard benefits offered by fintech companies. Often, employees think that no sign of illness means good health, yet diseases can come instead obscurely.
WeLab has teamed up with Bowtie for a 12-week health challenge called the “Healthier, Happier Wellness Program” for their young team of over 400 people.
While traditional group medical insurance plans only offer discounts on health services or online shopping apps, Bowtie’s group medical insurance has taken the coverages for corporate customers to the next level. In addition to basic medical coverage, Bowtie focuses on providing pre-health services so that chronic diseases can be diagnosed early and treated promptly.
Recognising that prevention is better than cure, WeLab joined hands with Bowtie to run a 12-week health challenge called the “Healthier, Happier Wellness Program” for our young team of over 400 people. Through interactive and gamified pre-health sessions, the WeLab team was made more aware of their health. Meanwhile, the programme also revealed some of the health risks that are often overlooked by Hong Kong people.
Bowtie has sent experts in various fields, such as optometrists, dietitians, Chinese medicine practitioners and sleep coaches, to the WeLab office to provide consultation services. Together with a 24/7 online dietitian consultation system, participants were able to receive feedback and suggestions. This 12-week health challenge is unlike any traditional health seminar or health mobile app alone. With the combination of interactive preventive health sessions and on-site consultation booths, the WeLab team was able to acknowledge the importance of preventive healthcare.
Bowtie has strived to provide preventive healthcare to the WeLab team and build a community of wellness through improving their eating habits, sleep quality and exercise habits. By inviting medical experts, representatives of well-known brands and professional athletes to share their experiences and encouraging participants to improve their health, Bowtie has also redefined the way insurers cover their corporate customers, making their services more attractive.
Not only have WeLab employees become more health-conscious and proactive in addressing potential health risks, but the health service has also strengthened the bond between employees and created a sense of belonging to the company.
"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.
The "Healthier, Happier" programme, in collaboration with Bowtie, is a fun way to engage colleagues to pay attention to their health and wellness, as well as providing them with personalised suggestions so that they can be in their best shape to tackle the challenges of work and life.
Nancy
Group Head of People & Culture
The above is customer experience for sharing and reference only. Information contained herein should not be regarded or interpreted as an offer, solicitation, or a recommendation to sell, purchase or subscribe to any Bowtie products. Please refer to the policy provisions for the detailed terms and conditions.
Traditional group medical insurance plans lack flexibility.
Group medical insurance plans in the market have limited medical network options, where employees can only visit designated clinics or doctors and have to carry a physical medical card with them. On the other hand, the industry does not pay much attention to part-time employees, making it difficult for employers to choose the right plans for them.
There are no medical network restrictions for employees. They can visit any registered doctor for HK$305 per visit and part-time tutors can also enjoy the same benefits.
Bowtie Online Portal is easy to use, allowing employees to enquire, apply and claim in one go. We have all experienced the convenience of going digital. From product design to one-stop platform operation, everything matches the needs of young talents and helps Snapask improve the efficiency of managing staff benefits. Snapask appreciates the flexibility of Bowtie’s plan as both full-time and part-time tutors can visit any registered doctors for HK$305 per visit, without network restrictions.
5 The minimum payment per visit (co-payment) is HK$30. Full reimbursement (except the co-payment HK$30) is available for eligible expenses under the benefit limit. For detailed benefit limits, please refer to Policy Terms & Conditions.
The above is customer experience for sharing and reference only. Information contained herein should not be regarded or interpreted as an offer, solicitation, or a recommendation to sell, purchase or subscribe to any Bowtie products. Please refer to the policy provisions for the detailed terms and conditions.
The premium of our plans is subject to less fluctuation across years. It’s because package plans have a bigger pooling effect—shared by more company groups—and the overall claims experience is more stable. Bowtie Corp Medical Insurance Plan is a package plan, and the adjustment on the premium is smaller when compared to tailor-made plans.
In contrast, the renewal premium of tailor-made plans could be highly volatile as it’s determined by the claim ratio of SMEs. The higher the claim ratio, the higher the renewal premium. This hinders the cost control of SMEs.
In short, package plans are better for SMEs that are cost-conscious.
If there’s any change in the member list, a premium adjustment will be paid by (or refunded to) you to reflect such a change by the end of each policy year.
Member Exclusive Price is a special price that the Insured Person can enjoy for outpatient and dental services under the BowtieGo medical network.
Member Exclusive Price varies by practitioners and is subject to change from time to time. Please refer to the customer portal for the latest information.
The consultation costs of specialists and general practitioners are covered by Pro Bronze, Pro Silver, and Pro Gold only. Moreover, the Insured Person from all plans can seek specialists and general practitioners consultation with Member Exclusive Price under the BowtieGo medical network.
Dental benefits are applicable to Pro Bronze, Pro Silver, and Pro Gold only. Dental benefits include oral examinations, scaling and polishing, accidental denture treatment, extraction and filling, and dental X-ray.
Besides, the Insured Person from all plans can enjoy oral examinations, scaling, and polishing services with Member Exclusive Price under the BowtieGo medical network.
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 obstetrics and gynecology specialist consultation services at Bowtie’s Member Exclusive Price.
To provide more holistic medical protection to the employees, employers can enroll in the Bowtie Corp Medical Insurance Plan for the spouse and kids of their employees. Even for parents (applicable to Basic Bronze only).
Our policies define ‘pre-existing conditions’ 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. Bowtie Corp Medical Insurance Plan does not cover ‘pre-existing conditions’.
Apart from Basic Bronze, there must be at least 3 employees for the eligible application of Bowtie Corp Medical Insurance Plan.
You do not need to go through an underwriting process when purchasing this Bowtie product.
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