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The more you refer, the more you earn!
Share your experience with friends, and

Enjoy up to 5-year premium waiver!

Get a Referral Code Now

​​Referral Reward

Eligible Products

Enjoy one of the following rewards for each successful referral1

Any Bowtie VHIS Plan

3 month premium waived*

Any Bowtie Cancer Medical Plan

2 month premium waived*

Bowtie Accidental Medical Plan

2 month premium waived*

Bowtie Term Life

2 month premium waived*

Bowtie Term CI

2 month premium waived*
Each referrer can earn a maximum of HK$12,000 premium waiver from the Referral Program.
1Please refer to the 6th clause in Bowtie Friends and Family Referral Program Terms and Conditions for the definition of successful referral.
*Maximum HK$200 premium waiver per month.
Subject to terms and conditions.

Eligible Products

Enjoy one of the following rewards for your first successful enrolment in any of the eligible products with the personalized referral code of your friend

Any Bowtie VHIS Plan
Learn more→

2 month premium waived +$4000 BowtieCash
(The 4th and 7th month)

Any Bowtie Cancer Medical Plan
Learn more →

4 month premium waived
(The 2nd, 4th, 6th, 8th month)

Bowtie Accidental Medical Plan
Learn more →

4 month premium waived
(The 2nd, 4th, 6th, 8th month)

Bowtie Term Life
Learn more→

4 month premium waived
(The 2nd, 4th, 6th, 8th month)

Bowtie Term CI
Learn more →

4 month premium waived
(The 2nd, 4th, 6th, 8th month)

Refer to Your Friends Now

1
Get and share your personalized referral code^ with friends.
2
Your friends will be rewarded after successful enrolment in any of the eligible products with your personalized referral code. You will receive a SMS notification.
3
You may login to Bowtie account to view the referrer’s reward.
Get a Referral Code Now
Please make sure that your friends are interested to receive your referral message
^Only eligible to the policyholders of effective plans

How to refer a friend?

You are welcome to share your application or claim experience at Bowtie with your friends. If the questions are related to Bowtie insurance products or regulated activities, please do not answer them directly. Your friends are welcome to contact us or visit our website for detailed product information. 

A friendly reminder, regulated activities can be referred as: encouraging, persuading or convincing any Referees to enter into a contract of insurance; negotiating or arranging contract of insurance; inviting or inducing, or attempting to invite or induce, a person to enter into a contract of insurance. For details, please refer to the definition of “Regulated Activities” stated in the 15th clause of the terms and conditions.

Before joining this referral program,
please carefully read the Terms and Conditions and below information

1. How to get my personalized referral code?

As long as you are holding an in-force Bowtie VHIS policy, Bowtie Term Life policy, Bowtie Term CI policy, Bowtie Cancer Medical Plan policy or Bowtie Accidental Medical Plan policy you can get the personalized referral code after logging into Bowtie account.

2. If friends use my personalized referral code to successfully enroll in more than one policy of eligible products, will I enjoy the referrer reward more than once? Will my friends enjoy the referee reward for each of the applications?

You and your friends will only enjoy the referral reward once for the first application of any eligible products.

3. What is BowtieCash used for?

BowtieCash can be applied to cover your eligible medical costs that exceed the benefit limit stated in the Bowtie VHIS Plan , subject to the campaign rules of the BowtieCash Program.

4. If I hold more than one in-force polices, how would the premium waiver of the referrer’s reward be handled?

If there are more than one in-force policies in the Bowtie account of the Referrer at the time when the reward is distributed, the policy with the highest-premium amount will enjoy the premium waiver. The premium waiver will be effective starting from the next payable month.

Bowtie Life Insurance Company Limited (Bowtie) is registered as a limited company in Hong Kong.Bowtie VHIS Plan (Standard), Bowtie VHIS Plan(Flexi), Bowtie Cancer Medical Plan, Bowtie Accidental Medical Plan , Bowtie Term life and Bowtie Term CI are underwritten by Bowtie and are only distributed in Hong Kong.The above information is for reference only. Please refer to the policies for detailed terms and conditions of the products.