No Medical Examination Required, Apply in 10 Minutes

A Complete Online Experience

Bowtie's pioneering online underwriting system allows you to know instantly, anytime, anywhere, whether you are insured and what your premium is.

Declare Health Status

The underwriting process for traditional insurance companies takes about 3 weeks; with Bowtie, the process can be completed in as quickly as 5 working days!

Health Declaration Made Simple

95% Multiple Choice!

Declaring your health status is easy - most questions are made up of multiple-choice questions!

Real-Time Support Through Live Chat

Our customer service specialists are available to assist online and resolve your issues in real-time via live chat.

Confirm Your Insurance Premium

Real-Time Quotation

By declaring your health status, you will know your monthly premium and whether there are any additional premiums or exclusions.

Understand your premium for the next 5 years

  • Premiums will only be adjusted based on your age and medical inflation.
  • Premiums will not be increased based on the number of claims you make.

Fill Out Personal Information

Getting Yourself Covered

Simply fill out your personal information.

Getting Your Family Covered

If you are getting a family member insured, you are then the policyholder and will need to fill out the personal information about yourself and your family.


Upload Identification Documents

  • You can upload your HKID card as a file or take a photo of it.
  • If you are insuring a family member, you will also need to upload his/her ID card.
  • If you are not a Hong Kong permanent resident, you will need to upload your passport.
  • If you cannot upload the identity document right away, you can do so later.

Provide Credit Card Information

No Fee Charged for Unsuccessful Policy Approval

  • Valid credit card details will be required, but you won’t be charged upfront.
  • Your credit card will be billed for the premium only after your policy is approved.

Credit Card Is Auto-Billed Every Month

  • We will charge your credit card monthly for the premium.
  • We accept Visa, Mastercard or AMEX credit cards.
  • The policyholder must pay with their own credit card.
  • If you do not have a valid credit card, please contact our customer service representative.

Policy Approval takes 5 working days

  • We may ask you to submit additional information or make changes as we review your policy application.
  • You will be notified by email if changes are necessary. Then, you can log in to our online platform to submit the necessary changes.
  • We will notify you by email and SMS after the application is approved.

Once approved, the policy will be effective immediately

There is no "waiting period"*

*Except for unknown pre-existing conditions stated under the Voluntary Health Insurance Scheme (VHIS)’s T&C.

Manage Your Policy Through Online Platform

  • To purchase Bowtie’s insurance products, you will also need to register for an online account.
  • You can view your policy by logging in to our online platform.
  • In addition, you can use the account for:

Filing a Claim

Visit the "Filing a Claim" page to learn more.

Updating Credit Card Information

1. Login to our online platform
2. Go to Policy "Payment Methods" "Change Credit Card"
3. Enter valid credit card information
4. Enter the verification code issued by the bank
5. Done!

Policy Cancellation

1. Login to our online platform
2. Navigate to the policy you want to cancel "Payment Method" "Cancel Policy"
3. Agree to the terms and conditions and click "Confirm Surrender"
4. Done!