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Health Insurance Claims Made Easy!

Simple claims process that you can easily navigate by yourself
Online system, customer service, nurse to assist with your claims
Check your claim status anytime, anywhere
No login required, friends and family can also help you claim easily!
File a Claim

File a Claim Anytime, Anywhere

No matter where you are, you can easily claim insurance

Login to Bowtie Online Platform

Answer a few simple questions

Upload the required documents

After the claim is approved, the claim amount will be transferred to your designated bank account within 3 business days.

The whole process will be followed up by the claims specialist, you can contact the specialist or customer service officer at any time.

Customer Sharing

Bowtie's service is better and faster than I ever imagined!

Mr. Lai
Education Sector - Secondary School Teacher
Bowtie Customer | VHIS - Flexi (Basic)

Bowtie is a Hong Kong based online insurance company that caters to the needs of Hong Kong people. The online process is simple and easy to use. There is no fear of irresponsible agents! Claiming money is quick and easy, I used my credit card to pay for my doctor's visit, and I claimed my money before the doctor received it. I would definitely recommend it to my friends and relatives!

Miss Kao
Education Sector - Office Assistant
Bowtie Customer | VHIS - Standard

I often heard that a gastroscopy has to be done in the hospital in order for it to be covered by insurance, but now I discovered that it can also be covered when done in a clinic. I didn't know that the outpatient service before and after the gastroscopy can also be covered when filing a claim. Thank you to the Claims Department for all the above reminders, so I didn’t have to pay a single dollar on my own for the medical expenses.

Ms. Chen
Housewife
Bowtie Customer | VHIS - Standard

Bowtie's accident insurance application is very easy. I used my cell phone to fill out the information for the application, and the application was completed in 10 minutes. The claim process was also very quick and easy. After seeing the doctor, the claim application was successfully approved within a week or so. The company's customer service staff was very nice when they called me, and then came to my home to collect the documents! Very satisfied!

Ms. Chen
Education Sector - Tutor
Bowtie Customer | Touchwood Protector

Bowtie is a Hong Kong based online insurance company that caters to the needs of Hong Kong people. The online process is simple and easy to use. There is no fear of irresponsible agents! Claiming money is quick and easy, I used my credit card to pay for my doctor's visit, and I claimed my money before the doctor received it. I would definitely recommend it to my friends and relatives!

Miss Kao
Education Sector - Office Assistant
Bowtie Customer | VHIS - Standard

Bowtie's service is better and faster than I ever imagined!

Mr. Lai
Education Sector - Secondary School Teacher
Bowtie Customer | VHIS - Flexi (Basic)

I often heard that a gastroscopy has to be done in the hospital in order for it to be covered by insurance, but now I discovered that it can also be covered when done in a clinic. I didn't know that the outpatient service before and after the gastroscopy can also be covered when filing a claim. Thank you to the Claims Department for all the above reminders, so I didn’t have to pay a single dollar on my own for the medical expenses.

Ms. Chen
Housewife
Bowtie Customer | VHIS - Standard

Bowtie's accident insurance application is very easy. I used my cell phone to fill out the information for the application, and the application was completed in 10 minutes. The claim process was also very quick and easy. After seeing the doctor, the claim application was successfully approved within a week or so. The company's customer service staff was very nice when they called me, and then came to my home to collect the documents! Very satisfied!

Ms. Chen
Education Sector - Tutor
Bowtie Customer | Touchwood Protector

Q: What is the claims process for Bowtie's Voluntary Health Insurance Scheme (VHIS)?

Bowtie's case specialists will follow up with you, assist with claim estimation, and provide you with information on the status of your claim.

Q: How to have your claims evaluated before you are admitted to the hospital?

1. Login to Bowtie's Online Platform
2. Select the Insured Persons and Policies for which you need to file a claim
3. Click on "Claims Home" > "Claims Assistance" > "Start Estimating"
4. Upload the "Medical Expense Estimation Form" (click here to download) from your doctor, hospital, or Bowtie
5. We will upload the claim estimate to your Bowtie Online Platform account within 3 business days.

Q:How do I check the status of the claim?

1. Login to your account on Bowtie’s Online Platform
2. Select the insurance policy you wish to apply for and click on "Claims"
3. Select "Claims History"
4. Select the item you wish to inquire about and you will be able to view the claim status.

Check the status of my claims

Claims Application Example

Jun 5 - Seeking Treatment

While traveling in Singapore, Mr. Pao suddenly experienced abdominal pain and immediately went to the local hospital outpatient department for treatment. The doctor diagnosed him with acute appendicitis and recommended that he be admitted to the hospital for surgery.

Jun 7 - Surgery

The appendectomy went very well and Mr. Pao had to stay in the hospital for several days to monitor his condition after the surgery. Fortunately, Mr. Pao has Bowtie's Voluntary Medical Insurance Scheme (VHIS) - Standard Plan, so he can easily download the Hospital Claim Form from the Bowtie website and submit it to the doctor for completion.

Jun 10 - Filing a Claim

Mr. Pao’s recovery was progressing well and he was discharged after 3 days of hospitalization. After discharge, Mr. Pao prepared the relevant claim documents and immediately filed a claim through Bowtie's online platform. In the meantime, Bowtie's claims specialist has contacted Mr. Pao and started to follow up.

Jun 13 - Claim Approved

When Mr. Pao got off the plane in Hong Kong, he received an email and an SMS from Bowtie informing him that his claim has been approved. Mr. Pao can rest assured that he does not have to worry about the complicated procedures of filing a claim.

Jun 18 - Claim Completed

Mr. Pao logs on to his online banking platform and confirms that the claim amount has been credited to his bank account.

* This example of claim application is only applicable to customers who have submitted the required eligibility documents. The actual time may vary depending on the circumstances.

Frequently Asked Questions (FAQ)

How does the underwriting process work?

Bowtie leverages Hong Kong’s first-of-its-kind fully online medical underwriting system to evaluate applicants’ health conditions instantly. No medical examinations or paper forms are required, and as a result, the application process is shortened from at least three days to as quick as 10 minutes.

Based on the health information you provided, we analyze the severity of your previous illnesses and instantly provide the fairest and most accurate premium rates. Typically, if the applicant is in good health, premiums would be low. 95% of the questions in our underwriting system are multiple choice.

What should I do if I don’t understand an underwriting question and I am not sure how to answer it?

You can contact us through the following channels if you have questions about our underwriting or unsure how to answer.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

Please note inaccurate information may impact future claims results.

How come I did not get an instant quote?

If you are unable to get an instant quote, it doesn’t mean your application is declined. It may be due to one of the following:

1. We are unable to accept your application due to your current health condition.

2. You expressed that you have reservations about the answers you provided to our underwriting and need further assistance.

3. We are currently enhancing our underwriting system allowing us to re-process your application.

4. You selected “Other illnesses” and we need more information from you.

If you provided us with your email address in your application, Bowtie customer service will be in touch to assist with your application.

What should I do if I mistakenly gave an inaccurate answer for an underwriting question?

If you mistakenly gave an inaccurate answer for an underwriting question in your application, please contact us as soon as possible through the following channels to make the correction.

-   Call Bowtie customer service hotline 3008 8123

-   Email us at cs@bowtie.com.hk

-   Talk to us through live chat on our website

-   Visit Bowtie Customer Service Center

Please note inaccurate information may impact claims results in the future.

I have medical insurance policies from two different insurance companies, which one should I submit a claim to first?

It’s up to you which insurer you wish to submit a claim to first. If you need to submit a claim to more than one insurer, you will need to include the claims details provided by the first insurance company along with the required documents in your claims submission to the second insurer, as well as the true copy or certified copy of the medical bills.

If I have questions about Bowtie services, what can I do?

Just like traditional insurance companies, you can contact us through our customer service Centre, hotline, email and live chat for assistance with application, claims estimates or claims submission.

You can call our customer service hotline 3008 8123 anytime or email us at cs@bowtie.com.hk. We value your feedback and will follow up as soon as possible. If necessary, you can book an appointment to visit your Customer Service Centre where our dedicated service team will serve you.

How do I make a claim?

You can request a claim estimate or submit a claim directly on our website. After you have submitted a claim, Bowtie will assign a claims specialist to assist you throughout the claims process and follow up with you. If you have any questions about your claims, you can also call our customer service hotline at 3008 8123 or email us at cs@bowtie.com.hk.

Does VHIS Standard Plan only cover hospitalization and hospital-related expenses such as surgery and doctor’s fee?

VHIS Standard Plan coverage includes not only hospitalisation and hospital-related fees, but also day case surgery, pre- and post-hospitalization day case procedure, outpatient care, and prescribed diagnostic imaging tests (ex. CT, MRI, PET, PET-CT, OET-MRI).

Will my renewal premiums increase because I made claims? Will my renewal be denied due to the claims?

Annual renewal premiums are adjusted according to age. We do not increase premiums for individual policyholders because of the number of claims made, claim amounts or their health conditions.

In addition, VHIS Standard Plan guarantees renewal up to age 100 and VHIS Flexi Plan guarantees lifetime renewal. We will not reject your renewal request due to your claim history or health condition.

Change of ownership of the Policy

Bowtie shall not reject any application by the Policy Holder for the transfer of ownership to 

(a) the Insured Person if he has reached the Age of eighteen (18) years; 

(b) the parent or the Guardian of the Insured Person if he is a Minor; or 

(c) any person whose familial relationship with the Insured Person is accepted by Bowtie according to its prevailing underwriting practices.

Inquiries and Complaint Channels

VHIS Office – set up under the Food and Health Bureau, handles VHIS-related matters, including product offerings, approved product features and the code of practice for insurance companies under the ambit of the VHIS; 

Insurance Authority – regulates the conduct of insurance companies and insurance intermediaries;

Inland Revenue Department – manages matters related to tax deductions; and

Bowtie – policyholders can submit their complaints by mail or call the customer service hotline 3008 8123.

What should I do if during the claims process, I discover that the insured person forgot to declare pre-existing illnesses?

In this case, you need to redo the underwriting process. If the declared health condition impacts the risk assessment outcome, new exclusions may be added to your policy, your premiums may be adjusted or your policy may be cancelled.

What is the difference between VHIS and other medical insurance plans?

VHIS products are designed and regulated by the government, including coverage, benefit limit and terms and conditions. There are three key differences between VHIS and other medical insurance plans: 

1. Medical insurance plans typically have a lifetime benefit limit. VHIS Standard Plan has an annual benefit limit of HK$420,000 and no lifetime benefit limit.

2. Most medical insurance plans on the market do not cover pre-existing conditions, but VHIS covers pre-existing conditions starting from the second policy year.

3. VHIS covers 70% of outpatient expenses for prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT, PET-MRI while typical medical insurance plans do not.

Are the VHIS Plan premiums tax deductible?

Yes. According to the Food and Health Bureau, not only can the policyholders claim a tax deduction on qualifying premiums up to HK$8,000 per year, they can also make deduction claims for more than one insured person without any limitation on the numbers of insured people or policies.

All Hong Kong ID holders age 18 or above are eligible for this tax benefit. For specific tax advice, please contact your tax consultant.

What is VHIS Standard Plan?

According to the Food and Health Bureau, all VHIS Standard Plans must meet 10 minimum requirements including guaranteed renewal up to age 100 without lifetime benefit limit, coverage for hospitalization and day case procedure, pre-existing conditions and prescribed diagnostic imaging tests and more.

Why are Bowtie VHIS Standard Plan premiums so much lower than most other insurers?

Bowtie is the first-ever virtual insurance company. By harnessing the latest technology, we offer commission-free products without intermediaries and reduce operating costs through efficiencies. As a result, we can keep premiums at their lowest while offering the same level of protection.

Will the premiums go up significantly in the future?

We do not foresee the premiums increase significantly in the future. In fact, early on in the product development stages, we had already factored in future expenses and reviewed industry data from reinsurers when we set the premiums.

Do I still need individual medical insurance if my employer provides group medical insurance?

Group medical insurance typically offers basic protection only and does not cover you after you leave the company. We recommend customers review their group medical insurance policies to determine if the level of protection is adequate. If you find that the coverage from your group medical insurance is insufficient, you can consider purchasing an individual medical insurance plan to increase protection.

What sets Bowtie VHIS products apart from other traditional insurance companies?

From day one, we reinvented the very structure of an insurance company and harness the latest technology. Everything is done online from initial application to underwriting to making a claim. By offering commission-free products and reducing operating costs through efficiencies, we can keep premiums at their lowest while still offering the same level of protection.

From a service standpoint, we are no different from traditional insurance companies. We also provide comprehensive and convenient customer care including claims assistance and after-sales support from our professional medical team. BowtieCash, our unique loyalty program helps relieve customers’ medical expense burden at critical moments in their lives.

Is outpatient treatment covered by VHIS?

VHIS Standard Plan covers a limited number outpatient care visits related to pre and post-hospitalisation and day case procedure. Prescribed diagnostic imaging tests such as CT, MRI, PET, PET-CT and PET-MRI are also covered up to 70%.

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