Follow these simple steps to complete your claim and get compensated from the comfort of your home.
We’ll review your claim based on the Claim Application Form filled out by your doctor before discharge. Download the Hospital Claim Application Form。
Your medical receipts are used to calculate your reimbursement amount.
Medical reports help us better understand and assess your claim. These may include:
If there are any additional documents related to your hospitalization or treatment, please provide them to help us better assess your case. For example:
Service Guidelines
If you've been diagnosed with another serious illness not listed , or are applying for a claim under the Children's Growth Term CI, please contact our claims specialist at 3001 5670 or claim@bowtie.com.hk to obtain the claim forms.
These help us better assess your claim. They may include:
Documents Required – Death in Hong Kong:
Additional Documents – Death outside Hong Kong:
Yes. A family member or the policyholder can download the Pre-Approval Form, ask the doctor to complete it, and email it to claim@bowtie.com.hk to apply.
If the insured is underage or unable to sign due to an accident, a family member or legal guardian may sign and submit the application on their behalf.
Bowtie has the right to reject your application if any of the following applies (including but not limited to):
Before admission, make sure your pre-approval has been confirmed. You can check the status on the Bowtie online platform using the steps above.
At check-in, present your ID for verification and inform the hospital that you have received pre-approval.
It depends on the services you receive during your stay. If your medical expenses exceed the approved amount, the hospital may charge you the difference. You can submit another claim to Bowtie for this eligible extra amount. However, if the final bill includes costs not covered by your plan, or if it exceeds coverage limits, you will need to pay those yourself. Bowtie will not cover any non-eligible expenses.
If you'd like a preliminary estimate of your claim amount, ask your doctor to fill out the Medical Cost Estimate Form when they recommend a check-up or surgery.
Before discharge, simply ask the hospital nurse to help collect all the necessary medical reports.
No. Voluntary Health Insurance (VHIS) only covers:
General outpatient visits for things like a cold or flu are not covered.
Usually, you must submit original receipts for your claim.If lost, you can request a certified true copy from the hospital or doctor. Upload this copy along with an explanation for the lost receipt via the Bowtie online platform for special approval.
Yes. To simplify the process, you only need to follow a few easy steps and provide basic information. If additional documents or original receipts are needed, we’ll notify you by email.
You can always check your claim status on the Bowtie online platform.
After completing your group insurance claim, upload the returned original receipt (or certified copy), medical report, and the payout summary from the other insurer to the Bowtie platform. We’ll handle the rest.
You may choose to claim from either insurer first. If claiming from both, submit the claim form and original receipts (or certified copies) along with the first insurer’s payout summary to the second insurer for processing.
If you have multiple Bowtie policies, just apply once online. Make sure to upload all required documents. Our Claims Team will handle payouts under each policy accordingly.
Yes. You can claim up to 3 post-discharge or post-day-surgery outpatient visits, including:
Medication prescribed for use within 4 weeks after discharge or day surgery is considered Miscellaneous Expenses and is covered under that category.
Yes. You must visit the hospital outpatient department or emergency room within 24 hours after the accident to qualify under the Accident Emergency Outpatient benefit.
Yes. You may claim eligible rehab center expenses under the Rehabilitation benefit, but:
The center must be in Hong Kong / The reason for rehab must be directly related to the original hospitalization (including complications)
The processing time depends on the individual case.
Steps for cases requiring medical documents:
No, Bowtie does not set a time limit for submitting life insurance claims.
Extra documents are needed when Bowtie’s claims team needs more information to fully assess the case.
Example case:
Mr. Chan buys a Bowtie life policy. One week later, he passes away due to cancer. During the underwriting process, he had declared no symptoms and no serious illness. In this case, the claims team would investigate further and request past medical records. If it turns out he did not disclose existing health conditions, the policy may be cancelled, and the claim could be rejected.
The claim process is mostly the same, but additional documents may be required:
The insured should keep a record of their policy details and inform the beneficiary. This includes: Policy terms / Coverage amount, Policy number/account
The insured should also share Bowtie’s contact details with the beneficiary (phone/email) so the claim can be followed up smoothly.
No, Bowtie only pays in Hong Kong Dollars (HKD).
Yes. The beneficiary or an authorized family member can file the claim.
Yes. As long as all required documents are prepared, the claim can be submitted by calling +852 3001 5670 or emailing claim@bowtie.com.hk.
If both pass away together, the claim will be processed assuming the older person passed away first. The death benefit becomes part of the estate of the insured or beneficiary, and Bowtie will pay the amount to the estate administrator or executor. They must first obtain Letters of Administration or Probate before making a claim.
The death benefit becomes part of the insured’s estate.
If no will is in place, the claimant must apply for Letters of Administration
If a will exists, the executor must apply for Probate to submit the claim
Yes. An authorized family member can handle the claim application on behalf of the insured.
Yes. As long as you have all the required documents, you can submit a claim by calling +852 3001 5670 or emailing claim@bowtie.com.hk.
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