Bowtie 保險申請索償程序

Make a Claim

Help Someone Claim 

Get Expert Help 

Claim Process

Learn More

Download Forms 

Over 90% Customer Satisfaction

Claims Handled:

70,000+

Overall Claim Approval Rate¹

99.53%

Average Approval Time²

4.4 Working Days

醫療費用賠償率*

工作天

完成批核 (80% 個案)^

工作天

完成轉帳

¹ As of February 24, 2024. Includes all Bowtie insurance products, including group medical plans.
2 As of March 2024. The average approval time for Bowtie claims is 4.4 working days. Actual time may vary depending on case complexity, medical report waiting time, or other required documents.

Making a Claim Is Easier Than You Think

Follow these simple steps to complete your claim and get compensated from the comfort of your home.

VHIS

Before Treatment

After Treatment

Cashless Settlement Service 

Have questions? Call 3001 5670.
Our Bowtie Claims Team is here to help.



自願醫保

索償程序 

治療前

初步評估

自選



Initial assessment

Optional

Want to know how much you can claim before treatment or check-up?

Follow these easy steps to get an estimated claim amount, so you can plan your medical expenses better:

Download the Medical Cost Estimate Form and ask your doctor to fill it out

Our Claims Team will follow up. You’ll usually get results within 4–6 working days

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Download Form:

Medical Cost Estimate Form 

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Note: The estimate depends on the info provided by the doctor and is not the final claim amount.

治療後

集齊文件



Prepare Documents

What documents do you need?

After treatment, ask your medical provider to fill out and provide the original versions of the following:

1 Claim Application Form (filled in by the doctor before discharge)

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We’ll review your claim based on the Claim Application Form filled out by your doctor before discharge. Download the Hospital Claim Application Form。
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2 Medical Receipts

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Your medical receipts are used to calculate your reimbursement amount.
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3 Medical Reports (if any)

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Medical reports help us better understand and assess your claim. These may include:

Surgical Reports (e.g. colonoscopy, gastroscopy)
Lab Test Reports (e.g. blood tests, urine samples, pathology)
Scans (e.g. MRI, PET-CT)
Imaging Reports (e.g. angiography, ultrasound, ECG, X-rays)

4 Other Documents

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If there are any additional documents related to your hospitalization or treatment, please provide them to help us better assess your case. For example:

Reimbursement estimate or claim breakdown from other insurance companies (if you’re also claiming elsewhere)
Referral letter from your attending doctor

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Download Form:

Hospital Claim Form

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Even if your check-up shows nothing serious, you can still claim the cost.

If your doctor recommends a diagnostic imaging test* and the results show no issues, you can still claim by submitting the required documents online.

*Includes: CT scan, MRI scan, PET scan, PET-CT, PET-MRI

網上申請

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Apply Online

How to apply online?

You can submit your claim anytime, anywhere.

Answer a few questions about your illness or injury.
‍

Provide your bank account details.
‍

Upload the required documents.

等批核



Wait for Approval

How long does it take?

Processing time varies based on case complexity, but we’ll handle it as quickly as possible. As of March 2024 (for reference):

working day

94% of cases processed

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You’ll be notified of the result by email.

You can also log in to check your claim status anytime.

獲得賠償



Get Reimbursed

How long until you receive the payment?

After approval, the payment will be transferred to your bank account within:

3 working days

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No need to mail receipts or go to the bank — everything is handled online.

免找數服務 

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Cashless Service Available at All Private Hospitals

No deposit at admission, no payment at discharge

If you're admitted to a private hospital, you can apply for Cashless Service to ease your financial burden. Just focus on getting better.

Download Form
Log in to the Bowtie platform and download the Pre-Approval Form. Ask your attending doctor to fill it in.

Apply for Pre-Approval
Upload the completed form on the Bowtie platform. Results take at least 5 working days. We may request extra documents if needed.

Admit to Hospital
At check-in, tell the hospital you have pre-approval. Show your ID, Bowtie’s approval letter, and the hospital’s admission note.

Discharge Without Payment
Bowtie will pay the approved medical fees directly to the hospital.

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Download Form:

Pre-Approval Form

Service Guidelines

Important Notes:

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Cashless service applies to all Bowtie products (except Cancer Fighter) and all private hospitals and affiliated day surgery centers — not clinics.
It’s only available for non-emergency treatments, surgeries, or hospital stays.
Not applicable for emergency admissions.
Room upgrades are not covered.
Personal expenses like companion fees, newspapers, TV, phone, meals, etc., must be paid by you unless pre-approved.
If the final medical expenses exceed the pre-approved compensation amount, you will need to pay the excess amount yourself upon discharge and keep the relevant receipts. After discharge, you can apply for a reimbursement of the out-of-pocket medical expenses through the Bowtie online platform, following the standard claims procedure.

Changing treatment plans

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Call 3001 5670 or email claim@bowtie.com.hk if you need to change surgery dates or room types.

Terms & Conditions:

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Cashless service is an administrative arrangement, not part of your policy coverage. Bowtie may cancel it at any time without notice.
It does not apply to non-covered treatments or stays.
The actual pre-approval notice date depends on how quickly all documents are submitted.
Approval does not guarantee payment. Final decision depends on bills, policy terms, and exclusions. If any costs are not covered or exceed limits, you must pay them.
Cashless service is provided by a third-party provider. Bowtie does not guarantee or take responsibility for the quality of the service or any legal liabilities from it.

有疑問？請致電 3008 8123，Bowtie 索償團隊幫會全力協助。

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Life Insurance

Have questions? Call 3001 5670.
Our Bowtie Claims Team is here to help.



人壽保

索償程序 

集齊文件

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Prepare Documents

What documents are needed?

A family member or beneficiary can collect the following documents:

1 If the death occurred in Hong Kong

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Original Death Certificate
Copy of the Cancelled HKID of the insured (the Immigration Department cancels it when issuing the death certificate)
Copy of the Beneficiary’s HKID
Proof of relationship between the beneficiary and the insured (e.g. birth certificate or marriage certificate)
Relevant medical documents issued by the hospital/doctor (if any)
Authorization letter signed by the beneficiary to request medical reports from the hospital/doctor (if applicable)
Authorization letter from the beneficiary if a third party is handling the claim (if applicable)

2 If the death occurred outside Hong Kong – In addition to the documents above, you will also need:

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"Proof of HKID Cancellation" issued by the Hong Kong Immigration Department
Proof of household deregistration (if the insured was a Mainland China resident)
Original Death Notarization Certificate (if the death occurred in China) / Official death registration certificate from the respective country

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Download Forms:

Death Claim Form 

Last Wish Rider:

Death Claim Form 
(Submit this together with the Life Insurance claim — only one form is needed)

Medical Claim Form
(Use this form for terminal illness claims)

網上申請



Apply Online

How to apply online?

You can apply through the No Login Claim page or call 3001 5670。

獲得賠償



Get Reimbursed

How long until payment is received?

Once the claim is approved, the payout will be transferred to your designated bank account within:

working days

(We’ll notify you by email / SMS / phone once the payment is made.)

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We understand that difficult times call for timely help.Our Claims Team will process the payment quickly to support your financial needs.

有疑問？請致電 3008 8123，Bowtie 索償團隊幫會全力協助。

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Critical Illness Insurance

Have questions? Call 3001 5670.
Our Bowtie Claims Team is ready to help.



危疾保

索償程序 

集齊文件



Prepare Documents

What documents do you need?

Before discharge, ask your medical provider to fill in and give you the original copies of the following:

1 Claim Application Form (filled in by the doctor before discharge)

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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.

2 Medical Reports (if any)

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These help us better assess your claim. They may include:

Surgical Reports (e.g. colonoscopy, gastroscopy)
Lab Test Reports (e.g. blood tests, urine samples, pathology reports)
Scans (e.g. MRI, PET-CT)
Imaging Reports (e.g. angiogram, ultrasound, ECG, X-ray)

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Download Forms:

Claim Form – Benign Brain Tumor

Claim Form – Cancer 

Claim Form – Heart Disease 

Claim Form – Stroke 

Claim Form – Coronary Artery Bypass / Other Severe Coronary Diseases 

網上申請



Apply Online

How to apply online?

You can apply anytime, anywhere:

Answer a few medical-related questions

Provide your bank details
‍

Upload the required documents

獲得賠償



Get Reimbursed

When will you receive the money?

Once approved, the payout will be transferred to your bank account within:

3 working days



No need to mail receipts or go to the bank — the money will be transferred directly to your account.

有疑問？請致電 3008 8123，Bowtie 索償團隊幫會全力協助。

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Required Documents & Form Downloads

Initial Assessment



Medical Cost Estimate Form 

Cashless Settlement Service



Pre-Approval Form 

Voluntary Health Insurance / Touchwood Plan / Cancer Fighter / Group Medical Insurance



Medical Claim Form 
Original hospital/clinic receipts
Surgical/pathology reports (if any)
Claim breakdown from other insurers (if any)
Referral letter from the attending doctor (if any)

Life Insurance



Death Claim Form 

Last Wish Rider：

Documents Required – Death in Hong Kong:

Original Death Certificate
Copy of the cancelled HKID of the insured (Immigration Department cancels it when processing the death certificate)
Copy of the beneficiary's HKID
Proof of relationship between beneficiary and insured (e.g. birth or marriage certificate)
Medical documents issued by the hospital/doctor (if any)
Authorization form signed by the beneficiary to request the insured's medical records (if applicable)
Authorization form if a third party is handling the claim (if applicable)

Additional Documents – Death outside Hong Kong:

HKID cancellation certificate issued by Hong Kong Immigration
Proof of household deregistration (if the insured was a Mainland China citizen)
Original death notarization (if death occurred in China) / Official death registration from the relevant country

Critical Illness Insurance

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Claim Form – Benign Brain Tumor 
Claim Form – Cancer 
Claim Form – Heart Disease 
Claim Form – Stroke 
Claim Form – Coronary Artery Bypass / Other Severe Coronary Conditions 
Surgical/pathology reports (if any)
For claim forms for other critical illnesses, please call 3001 5670