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A revolutionised insurance experience

We reimagined the entire insurance experience, so you can enjoy stress-free and truly customer-centric protection.
Insurance reinvented
High flexibility
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
Insurance Reinvented
01
Zero commission. Zero stress
As Hong Kong’s first virtual insurer, Bowtie does not employ insurance intermediaries and offers commission-free products directly online. While customers choose their desired protection at their own pace, they also save on commission fees.
02
Instant quote. No personal data required
Bowtie products and policy information are 100% transparent. Customers can get a basic quote instantly by selecting their age, gender and indicate whether they are a smoker or non-smoker. There is no need to provide personal details such as name, ID and phone number before application is submitted.
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
High Flexibility
01
Monthly payment
Bowtie customers pay on a monthly basis, similar to a subscription service such as music or streaming platforms. Customers just need to provide a valid credit card for the monthly payments and they are not locked in for long-term commitments.
02
No strings attached
Typical critical insurance or life insurance products charge large cancellation fees to lock in customers for a long period and give back less money than what the customers paid if they cancel the policy before maturity. Bowtie products do not have savings element, which offers much higher flexibility, and customers are free to cancel their policies anytime without penalty fees.

Other features

01
No hidden fees
All fees are clearly listed on our website and application platform for transparency.
02
World-class risk management
Bowtie is backed by Sun Life Financial and supported by leading international reinsurers. Our actuarial and risk management teams uphold the regulatory capital requirement, ensuring sufficient funding is available to pay out claims.
03
Powered by Top-rated cloud
Bowtie’s core systems including policy services, underwriting and claims, all operate on the cloud to ensure the highest level of data security and stability.
04
Audited for maximum security
Bowtie's platform has been rigorously reviewed by PwC, and passed with the highest scores under standardised testing, so you can be rest assured your data is properly stored and protected.