Compare our plans | Bowtie Group Medical Insurance

A solution for every company's needs and budget

Inpatient and day case procedure benefits

Basic benefit

Amount of benefits payable will be adjusted based on the type of room in which the Insured Person is confined:
- 100% benefits payable for Standard Ward Room;
- 50% benefits payable for Standard Semi-Private Room;
- 25% benefits payable for above Standard Semi-Private Room.

Total benefit limit

$25,000/year

$50,000/year

Day case endoscopy procedure

On aggregate of total benefit limit

$10,000/year

Day case viral warts and skin lesions procedure

On aggregate of total benefit limit

$6,000/year

Room and board

Maximum 180 days per Policy Year

80% of eligible expenses

Confinement miscellaneous charges

80% of eligible expenses

Attending doctor’s visit fee

Maximum 180 days per Policy Year

80% of eligible expenses

Intensive care

80% of eligible expenses

Surgeon's fee

80% of eligible expenses

Anaesthetist's fee

80% of eligible expenses

Operating theatre charges

80% of eligible expenses

Pre- and post-confinement/Day case procedure outpatient care

1 prior visit and 3 follow-up visits within 90 days after discharge from Hospital or completion of a Day Case Procedure



80% of eligible expenses

Psychiatric treatments

80% of eligible expenses

Other benefits

Hospital cash for confinement in Hong Kong public hospital

Maximum 180 days per Policy Year

$200/day

$500/day

Day case procedure cash benefit

$200/day case procedure

$500/day case procedure

Special Bonus

applicable when the Insured Person first obtains partial or full reimbursements under insurance plans
offered by other insurance company



$200/day

$500/day

BowtieGo outpatient benefits

Unlimited number of visits at member-exclusive price (limited to BowtieGo medical network)

General consultation

Chinese medicine practitioner consultation

Including herbal, acupuncture and bone setting

Specialist consultation

Included: General Surgery, Otorhinolaryngology, Orthopaedics & Traumatology, Ophthalmology, Paediatric Surgery, Neurosurgery, Gastroenterology & Hepatology, Cardiology, Paediatrics, Obstetrics & Gynaecology, Psychiatry, Geriatric Medicine, Urology, Respiratory Medicine, Family Medicine, Dermatology & Venereology, Cardio-thoracic Surgery, Clinical Oncology, Endocrinology, Diabetes & Metabolism, Medical Oncology, Plastic Surgery, Neurology , Rheumatology and Nephrology



Chiropractic treatment

Physiotherapy

Sports therapy

BowtieGo dental benefits

Unlimited number of visits at member-exclusive price (limited to BowtieGo medical network)

Dental consultation

Including oral examination, scaling and polishing

Wellness benefits

(Applicable to the designated body check plan under BowtieGo Medical Network)

Health check-up

Fully Covered

Once per Policy Year

Flu vaccination

Fully Covered

Once per Policy Year

Life insurance benefits

Death benefits

$25,000

$50,000

Other product details

Eligibility

Age refers to the attained age of the Insured Person

Employee / spouse – Age 75 or below (age 65-75: 200% overage premium loading, and individual underwriting is required for age 70-75, insurability subject to underwriting result)
‍
Child – 15 days to Age 18, a child between the age of 18 and 25 must be a full-time student

Benefit period

1 year, yearly non-guaranteed renewal

Number of employees

Minimum 3 employees

Plan levels

All employees under the same company shall be enrolled into the same plan level. If the eligibility requirements are not met, they can be enrolled into Basic Bronze Level.

Number of years incorporated

Minimum 1 year

Denominated currency

Hong Kong Dollar

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).

Get a quote →

Outpatient Benefits (Network only)

Max. 15 visits per Policy Year, Max. 1 visit per item per day

SERVICE

DETAILS

General Practitioner

10 per year ( $50 co-pay )

Traditional Chinese Medicine

10 per year ( $50 co-pay )

Specialist

5 per year ( $100 co-pay )

Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.

Wellness Benefits

SERVICE

DETAILS

Health check-up

Once per year

Flu vaccination

Once per year

BowtieGo Member Discount

Unlimited doctor visits with up to 50% discount*

*BowtieGo plan is a health and wellness membership program managed by Bowtie Life Insurance Company Limited ("Bowtie") and the outpatient benefits under the membership program is not an insurance plan.

Life Insurance Benefits

SERVICE

DETAILS

Death Benefit

$3,000

Other product details

SERVICE

DETAILS

Eligibility requirements

All Associate / Spouse: Age 75 or below; Child: 15 days to Age 25
Coverage may be extended to Insured Persons up to Age 75 if such Insured Persons had been insured under this Plan before attaining Age 65. For Insured Persons Aged 65 to 75, a Premium Loading and/or Case-based Exclusion(s) may be imposed.
A child between the Age of 18 and 25 must be a full-time student with valid proof accepted by us.

*The attaining age is based on the age of employees and their dependents at the policy effective date or at the policy anniversary date.

Benefit Period

1 year – yearly non-guaranteed renewal
Individual underwriting is required for age 70-75, insurability subject to underwriting result.

Number of employees

Minimum 5 employees

Plan Levels

All Employees under the same company shall be enrolled into the same plan level. If the eligibility requirements are not met, you can purchase a supplementary level insurance plan with no age limit for the unqualified members.

Tailor the best protection for your team, within budget.

Build your own coverage — inpatient, outpatient, or both. See premiums per person instantly. No bundles, no waste, just benefits that fit.

8 options to freely combine inpatient and outpatient benefits

Annual health checkups and flu vaccines

A perfect fit for budgets of all sizes

Per-employee price estimate. Final premium depends on your team's headcount and age profile.
Get an exact quote with your team details.

1. Choose Inpatient plan

Covers hospitalisation, day-case surgery and day-case procedures.

2. Choose Outpatient plan

Covers day-to-day clinic visits.

3. Your Selection and Benefits

Pick your cover above to see your estimated price

HK$358/Employee Monthly Premium

Inpatient Outpatient

Monthly Premium - HK$115

MM OP 1

Monthly Premium - HK$243

🏅 SME's top pick

Inpatient and day case procedure benefits

Basic benefit

Total benefit limit

$25,000/year

$50,000/year

$80,000/year

$120,000/year

Day case endoscopy procedure

On aggregate of total benefit limit

$15,000/year

Day case viral warts and skin lesions procedure

On aggregate of total benefit limit

$15,000/year

Room and board

Maximum 180 days per Policy Year

80% of eligible expenses

Confinement miscellaneous charges

80% of eligible expenses

Attending doctor’s visit fee

Maximum 180 days per Policy Year

80% of eligible expenses

Intensive care

80% of eligible expenses

Surgeon's fee

80% of eligible expenses

Anaesthetist's fee

80% of eligible expenses

Operating theatre charges

80% of eligible expenses

Pre- and post-confinement/day case procedure outpatient care

1 prior visit and 3 follow-up visits within 90 days after discharge from Hospital or completion of a Day Case Procedure



80% of eligible expenses

Psychiatric treatments

80% of eligible expenses

Other benefit

Accidental Confinement cash benefit

Maximum 120 days per Policy Year

$500/day

Cancer Confinement cash benefit

Maximum 120 days per Policy Year

$1,000/day

Hospital cash for confinement in Hong Kong public hospital

Maximum 180 days per Policy Year

$200/day

$500/day

$800/day

$1,200/day

Day case procedure cash benefit

$200/day case procedure

$500/day case procedure

$800/day case procedure

$1,200/day case procedure

Second claim subsidy

applicable when the Insured Person first obtains partial or full reimbursements underinsurance plans offered by other insurance company



Maximum 180 days per Policy Year

$200/day

$500/day

$800/day

$1,200/day

Outpatient benefits

- 100% reimbursement with $0 co-payment for network clinics, excluding Diagnostic imaging and laboratory tests and Psychiatric-related treatments; for non-network usage, the Insured Person shall bear a minimum cost of $30 per visit.
- Network clinics cover basic prescription medication only: GP (2 days), Specialist (5 days), and TCM (2 packs). Additional or special medications may incur extra charges.
- The maximum number of visits in aggregate per Policy Year is 30.
- Maximum number of visits per item per day is 1.

General practitioner

$420/visit

15 visits per policy year

$420/visit

20 visits per policy year

Chinese medicine practitioner

Included: herbal, acupuncture and bone setting treatments

$270/visit

15 visits per policy year

$270/visit

20 visits per policy year

Specialist

$690/visit

10 visits per policy year

$690/visit

15 visits per policy year

Chiropractor

As referred in writing by a Registered Medical Practitioner

$600/visit

(10 visits per policy year in aggregate with Physiotherapist)

Physiotherapist

As referred in writing by a Registered Medical Practitioner

$600/visit

(10 visits per policy year in aggregate with Chiropractor)

Diagnostic imaging and laboratory tests

As referred in writing by a Registered Medical Practitioner

$500/year

$1,500/year

$2,500/year

Psychiatric-related treatments

$500/visit

$800/visit

Dental benefits

The maximum number of visits in aggregate per Policy Year is 30 and the maximum number of visit per item per day is 1；For non-network usage, the Insured Person shall bear a minimum cost of HK30 per visit.

Oral examination, scaling and polishing

$500/visit

Once per policy year

$500/visit

Twice per policy year

Other dental consultation

Accidental denture treatment, extraction and filling and dental X-ray



$500/visit

Wellness benefits

Applicable to the designated body check plans under our medical network

Health check-up

Fully covered

Once per policy year

Flu vaccination

Fully covered

Once per policy year

BowtieGo membership

Unlimited number of outpatient visits at member-exclusive price (limited to BowtieGo medical network)

Life insurance benefits

Death benefits

$25,000

$50,000

$80,000

$120,000

Other product details

Eligibility requirements

Age refers to the attained age of the Insured Person

Employee / spouse – Age 75 or below (age 65-75: 200% overage premium loading, and individual underwriting is required for age 70-75, insurability subject to underwriting result)
Child– 15 days to Age 18, a child between the age of 18 and 25 must be a full-time student

Benefit period

1 year, yearly non-guaranteed renewal

Number of employees

Minimum 5 employees
(For groups with 3-4 employees, Declaration of Insurability is required for the application for Plan 4-7)

Plan levels

Number of years incorporated

Minimum 1 year

Denominated currency

Hong Kong Dollar

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.

Exclusions

Pre-existing condition(s), except for companies covered under another group medical insurance plan of another insurance company immediately before the policy issuance;
Solely diagnostic procedures ;
Infection with any Human Immunodeficiency Virus (HIV) and/or any HIV-related illness including AIDS and/or any mutations, derivations or variations thereof ;
Vaccinations, immunization, injections, preventive medication or preventive care;
Birth control or reversal of birth control; sterilization and sexual dysfunction, diagnostic of pregnancy or resulting childbirth, abortion, miscarriage or any complications from the above;
Congenital conditions that gave rise to signs or symptoms or was diagnosed, before the Insured Person attains seventeen (17) years of age;
Treatment for which expenses have been reimbursed under any law, or medical program, or insurance policy provided by any government, company or other third party;
Drugs, suicide and illegal activities.
‍

Items listed are for reference only. Please refer to the below attached document for details of all exclusions.
‍

Key Product Risks

Renewal or cancellation right — We reserve the right not to Renew this Plan and to revise the premium payable under this Plan on the date of any Renewal. We have the absolute right to cancel or terminate this Plan at any time by giving you notice by electronic means to the latest contact you have notified to us not less than thirty (30) days in advance. The effective date and hour of cancellation or termination stated in the notice shall be considered the end of the Plan period. Premium adjustment (if any) and the unearned portion of the premium at the time of cancellation or termination shall be paid by (or refunded to) you.
‍
Product features revision — We reserve the right to revise the terms and benefits upon policy renewal by giving 30 days’ advance notice.
‍
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.
‍
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.
‍
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
‍
Termination — This policy will be terminated on the earliest of the followings :
‍
a. non-payment of premiums after 31 days from the premium due date;
b. the number of Employees or full-time Employees enrolled (as applicable) (excluding the Basic Bronze Level) becomes less than three (3).

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 without interest.

Items listed are for reference only. Please refer to the below attached document for details of all exclusions.
‍

Product documents

Policy Terms and Exclusion

Terms and Conditions

Key Risks and Policy Exclusions (bilingual)

Benefit Schedules (bilingual)

Valid until Dec 31, 2025

Benefit Schedules (bilingual)

Effective from Jan 1, 2026

Basic Silver

Basic Gold

Bowtie Corp Outpatient

Benefit Schedules (bilingual)

Important product information (Basic Silver, Basic Gold, Pro Bronze, Pro Silver, Pro Gold, Pro Platinum,
Flexi Care Series)

Product category

Group Insurance Plan – Outpatient and inpatient (subject to plan level) medical plan for groups

Issue age

Basic Silver, Basic Gold, Pro Bronze, Pro Silver, Pro Gold, Pro Platinum, Flexi Care Series —
Employee / Spouse: Age 75 or below (age 65-75: 200% overage premium loading, and individual underwriting is required for age 70-75, insurability subject to underwriting result);
Child: 15 days to Age 18, a child between the age of 18 and 25 must be a full-time student

Coverage

Subject to the applicable Plan Level

Death — Sum Insured payable to the Beneficiary in the event of the Insured Person'sdeath.
Inpatient and Day Case Procedure — cover Eligible Expenses for MedicallyNecessary treatments of a Disability, including Inpatient treatments and Day CaseProcedures.
Outpatient — cover Eligible Expenses for treatments of a Disability provided by a Registered Medical Practitioner, Registered Chinese Medicine Practitioner, RegisteredPhysiotherapist, Registered Chiropractor, and Registered Specialist. We also provide each Insured Person with a BowtieGo membership under which he can access ourNetwork clinics with member exclusive price.
Dental — cover actual expenses for Dental Services, including oral examination, scaling and polishing.
Wellness — cover actual expenses for the designated health check-up plan.

Area of coverage

Worldwide

Claim method

Lumpsum (applicable to death benefit) —
We will pay in lumpsum to the Beneficiary in the event of the Insured Person's death.
Reimbursement (applicable to Inpatient, Day Case Procedure, Outpatient and Dental benefits) —
1. We will reimburse the Eligible Expenses or actual expenses (as applicable)incurred beyond the amount of Co-Payment (as applicable) and up to the benefit limit(s) set out in the table below.
2. One expense item will only be reimbursable under one benefit item.
3. If the Insured Person is entitled to reimbursement of all or part of such expenses from other sources and has been so reimbursed, we will only be liable for an amount in excess of the amount recovered from such other sources.
Direct settlement by us (applicable to Wellness benefit) —
We will directly pay the expenses of the designated health check-up plan to the relevant Network clinic according to the table below. The Insured Person will not need to pay to the relevant Network clinic and will not need to carry out any claim procedure.

Period of cover

1 year – Annual renewal (non- guaranteed)

Waiting period

N/A

Renewal

This Plan may be renewed, without issuance of a new policy contract, on each plan anniversary by payment of the relevant premium in advance based on the premium rate in force at the time of renewal.
Upon renewal, we reserve the right to revise the prevailing standard premium schedule.

Cooling-off period

N/A

Policy cancellation

You may request cancellation of the Plan by giving at least 30 days prior notice.

Tax deduction

N/A

The information on the page is for reference only, please refer to the full and detailed Policy Terms and Conditions.

Important product information (Bowtie Corp Outpatient)

Product Category

Group Medical Insurance (Only applicable to the eligible network outpatient benefit)

Eligibility requirements

All Associate / Spouse: Age 75 or below; Child: 15 days to Age 25
Coverage may be extended to Insured Persons up to Age 75 if such Insured Persons had been insured under this Plan before attaining Age 65. For Insured Persons Aged 65 to 75, a Premium Loading and/or Case-based Exclusion(s) may be imposed.
A child between the Age of 18 and 25 must be a full-time student with valid proof accepted by us.

*The attaining age is based on the age of employees and their dependents at the policy effective date or at the policy anniversary date.

Benefit Period

1 year – yearly non-guaranteed renewal
Individual underwriting is required for age 70-75, insurability subject to underwriting result.

Number of employees

Minimum 5 employees

Plan Levels

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.

Want to know more about our Group Medical?

Back to Bowtie Corp Medical Insurance Plan

Flexible combination of health benefits at your own choice

Choose medical benefits that fit your budget and needs

Enjoy all-round medical coverage including outpatient benefits, hospitalisation, and add-on wellness services

Save time with our hassle-free online portal accessible anytime and anywhere

Reach out to our dedicated Group Medical Specialist for any questions

Interested to learn more? Visit our Help Centre or contact CS for help.

Questions？We’re happy to help!

We’ll follow up via email or phone within 2 working days. We’ll answer your questions, help you choose a plan that fits and assist you in the online application.

By proceeding to the next page, you acknowledge and confirm that you have read and understood the Personal Information Collection Statement of Bowtie and agree to the use and transfer of your personal data by Bowtie in accordance with the PICS.

If you do not agree to the use and transfer of your personal data by Bowtie in accordance with the PICS, including the use and provision of your personal data for direct marketing of corporate solution, Please uncheck below checkbox.

I agree to receive direct marketing materials from Bowtie.

我們將電郵你有關優惠詳情及產品發布事項，
如欲了解更多請緊貼我們的網站資訊及Bowtie網誌！

Oops! 此表格發生錯誤，請聯絡我們的客戶服務中心。

A solution for every company's needs and budget

Basic Silver

Basic Gold

Outpatient Care

Outpatient Benefits (Network only)

Wellness Benefits

Life Insurance Benefits

Other product details

Tailor the best protection for your team, within budget.

ProBronze

ProSilver

ProGold

ProPlatinum

Product documents

Important product information (Basic Silver, Basic Gold, Pro Bronze, Pro Silver, Pro Gold, Pro Platinum,Flexi Care Series)

Important product information (Bowtie Corp Outpatient)

Want to know more about our Group Medical?

Flexible combination of health benefits at your own choice

Interested to learn more? Visit our Help Centre or contact CS for help.

Pro
Bronze

Pro
Silver

Pro
Gold

Pro
Platinum

Important product information (Basic Silver, Basic Gold, Pro Bronze, Pro Silver, Pro Gold, Pro Platinum,
Flexi Care Series)