Economical choice
Economical choice
Same Coverage at a Lower-cost
98.3%
Claim success rate,
leading the industry^

Smooth Claims – No hidden tricks, no fine print excuses to deny your claim

98.3% Claim Success Rate, Above Industry Average^

Why Is Our Claim Experience So Seamless?
1-on-1 Claims Specialist  
End-to-end support, claims completed in 6 days on average2
Covered worldwide, even when traveling or relocating4
Applicable to all private hospitals in Hong Kong

Trusted by Real Customers: 4.6 ⭐ on Google

Why You Can Trust Bowtie
Total Customers
150,000+
FT High-Growth Companies Asia-Pacific 2026#
直銷保單數目 No.1
2025
第一季, 2024-2021
Gabriel Kung, Chief Commercial Officer
‍
Total Funding Raised
HK$1.2 Billion
直銷保單數目 No.1
2025
第一季, 2024-2021
Michael Chan, CEO & Co-Founder of Bowtie
Clement Lam, CEO of Sun Life Hong Kong Limited and Non-Executive Director of Bowtie
Fred Ngan, Co-Founder of Bowtie(from left to right)
5 Consecutive Years of Hong Kong Sales Leadership
No.1
No.1 in Number of Direct Business Policies 2021–2025*
直銷保單數目 No.1
2025
第一季, 2024-2021
John Tsang, Senior Advisor
#Based on the “FT High-Growth Companies Asia-Pacific” rankings jointly compiled by the Financial Times and Statista for 2 consecutive years (2025 and 2026), where Bowtie ranked No.1 among shortlisted Hong Kong companies in revenue growth.
*According to the provisional statistics on long term insurance business released by the Insurance Authority, Bowtie Life Insurance ranked the highest among all virtual insurers in Hong Kong in terms of number of new policies sold through direct marketing channels from 2021 to 2025 annually.

More Than Insurance. It’s Health Protection.

Earn BowtieCash with No Claims Redeem for Free Health Services
Or Settle Your Claim Balance8
Learn more →
Coverage Auto-Upgrades for 5 Consecutive Years
To keep your claims hassle-free
Learn more →
Unlimited Outpatient Services At Up to 50% Off
Learn more →

Limited Offer

Why You Can Trust Bowtie
Total Customers
150,000+
FT High-Growth Companies Asia-Pacific 2026#
直銷保單數目 No.1
2025
第一季, 2024-2021
Gabriel Kung, Chief Commercial Officer
‍
Total Funding Raised
HK$1.2 Billion
直銷保單數目 No.1
2025
第一季, 2024-2021
Michael Chan, CEO & Co-Founder of Bowtie
Clement Lam, CEO of Sun Life Hong Kong Limited and Non-Executive Director of Bowtie
Fred Ngan, Co-Founder of Bowtie(from left to right)
5 Consecutive Years of Hong Kong Sales Leadership
No.1
No.1 in Number of Direct Business Policies 2021–2025*
直銷保單數目 No.1
2025
第一季, 2024-2021
John Tsang, Senior Advisor
#Based on the “FT High-Growth Companies Asia-Pacific” rankings jointly compiled by the Financial Times and Statista for 2 consecutive years (2025 and 2026), where Bowtie ranked No.1 among shortlisted Hong Kong companies in revenue growth.
*According to the provisional statistics on long term insurance business released by the Insurance Authority, Bowtie Life Insurance ranked the highest among all virtual insurers in Hong Kong in terms of number of new policies sold through direct marketing channels from 2021 to 2025 annually.
Why You Can Trust Bowtie
Total Customers
150,000+
FT High-Growth Companies Asia-Pacific 2026#
直銷保單數目 No.1
2025
第一季, 2024-2021
Gabriel Kung, Chief Commercial Officer
‍
Total Funding Raised
HK$1.2 Billion
直銷保單數目 No.1
2025
第一季, 2024-2021
Michael Chan, CEO & Co-Founder of Bowtie
Clement Lam, CEO of Sun Life Hong Kong Limited and Non-Executive Director of Bowtie
Fred Ngan, Co-Founder of Bowtie(from left to right)
5 Consecutive Years of Hong Kong Sales Leadership
No.1
No.1 in Number of Direct Business Policies 2021–2025*
直銷保單數目 No.1
2025
第一季, 2024-2021
John Tsang, Senior Advisor
#Based on the “FT High-Growth Companies Asia-Pacific” rankings jointly compiled by the Financial Times and Statista for 2 consecutive years (2025 and 2026), where Bowtie ranked No.1 among shortlisted Hong Kong companies in revenue growth.
*According to the provisional statistics on long term insurance business released by the Insurance Authority, Bowtie Life Insurance ranked the highest among all virtual insurers in Hong Kong in terms of number of new policies sold through direct marketing channels from 2021 to 2025 annually.

Talk to a real person

Bowtie product specialist wearing a headsetBowtie customer service specialist wearing a headset
Sun, Warren
|
Product Specialist

Not sure which product is right for you?

We offer commission-free, 1 on 1 product consultations to genuinely help you choose the right coverage!

Consultation booking hours:

Mon–Fri: 9:30am–6:30pm
Closed on Sat, Sun & public holidays

Book now

Product & policy service enquiries

Coverage details, existing policies, application status, underwriting questions

Phone / WhatsApp service hours:

Mon–Fri: 9:30am–6:30pm
Sat & Sun: 2:00pm–6:00pm
(WhatsApp enquiries only)
Closed on public holidays

Live Chat: click "Chat" at the bottom-right of the page

or email cs@bowtie.com.hk

By booking a time, you confirm you have read Bowtie's Personal Information Collection Statement and consent to the use and transfer of your personal data in accordance with it for the purpose of this enquiry.

The above information is for reference only. For detailed terms and conditions of the product, key risks, and exclusions, please refer to the policy.

Bowtie Life Insurance Company Limited (Bowtie) is a limited liability company incorporated in Hong Kong. Bowtie VHIS Standard Plan is underwritten by Bowtie and intended for sale in Hong Kong only. If you see a "+" symbol, you can click on it to view more information.
Remark
^ According to publicly available information, as of April 2025, the average approved claims ratio for Bowtie VHIS "Standard", "Flexi-Basic", "Flexi-Upgrade", and Bowtie Pink was 98.3%, which is higher than the annual average claims success rate of the VHIS market from April 2019 to the end of 2023.
¹ According to the results of Bowtie’s market survey conducted on November 19, 2025 on similar VHIS standard plans, in which the plans must cover Ward room level and the "Room and Board" benefit limit is below $800. The above comparison is calculated based on the premium data for a non-smoking male aged 30 to 59, and compares the average 30-year cumulative current standard premiums of such similar plans. The premiums above are rounded off. The coverage and benefit amounts of different medical insurance plans can differ; please refer to the relevant policy and its terms and conditions for details. The premiums calculated above are for reference only. The actual premium you need to pay is affected by factors such as time, inflation, and underwriting, and is subject to the premium levy collected by the Insurance Authority.
² From December 2024 to November 2025, the median approval time for Bowtie VHIS claim cases was 6 working days. Actual claim results and processing time may vary depending on individual circumstances, health conditions, and the documents submitted.
³ The Global Emergency Assistance Service is provided by a third-party service provider and does not form part of the Bowtie Voluntary Health Insurance Scheme. Bowtie reserves the right to modify the content of global emergency support services and will not be responsible for the services provided by third-party service providers. There is no additional premium required for these services.
⁴ Psychiatric treatments under the Bowtie VHIS Standard Plan is only available in Hong Kong. If the Insured Person intends to emigrate, we will reassess the application and reply with the results as soon as possible; the premium may be adjusted based on the potential risks of the destination region in the future. For details, please contact Bowtie Customer Service at 3008 8123.
⁵ The Cashless Settlement Service is only available for inpatient treatment and must be pre-approved by Bowtie. For details of the terms and conditions of service, please refer to the relevant service application form.
⁶ BowtieGo is a healthy living membership program managed by Bowtie Life Insurance Company Limited. Its outpatient services do not constitute an insurance product. The actual amount payable for member exclusive price depends on the doctor and the actual medical needs.
⁷ BowtieCash Program applies to Bowtie VHIS plans only. BowtieCash can only be used to pay for eligible medical costs that exceed the VHIS plan coverage and health services redemption. It is not a cash reward program and does not form a part of the Bowtie VHIS plan.

* Terms and Conditions apply