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anytime, anywhere

Bowtie VHIS

Monthly premiums from $123¹ 
Sum insured ranging from $420K/Annual to $50M/Lifetime
Meets a wide array of needs

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Bowtie Term CI 

For $1M sum insured, from $118/month¹ 
Covers over 98% of claims² 
Multiple payouts at 100% each time⁵

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Bowtie Term Life 

For $1M sum insured, from $38/month¹ 
No savings component
The most affordable online option in the city#

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Bowtie Touchwood Protector

For $420K sum insured, from $62/month¹ 
Covers everything, from outpatient physical therapy to inpatient surgeries

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Bowtie Cancer Fighter

For $3M sum insure, from $57/month¹ 
Extensive coverage of cancer treatment expenses³ 
Carcinoma in situ⁴ and targeted drugs are also covered

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Breaking the insurance status quo

Everything is clear, simple and easy to understand. No badgering from agents. I can make my own choices. Good!

Sick CAT

Google Reviews
The insurance process can be easily handled by yourself. Quick approval and pretty affordable too.

Natalie Leung

Google Reviews
My family used to help me buy insurance. I always thought insurance was too complicated and that I would be pestered by agents…

Vanessa Chan

Google Reviews
No intermediary; here to help, no hard sell

Apply for insurance online yourself to save time.
Reach out to Customer Service for assistance if necessary! 

No savings component, lower prices for more comprehensive protection

We offer pure protection insurance that allows you to enjoy real protection at an affordable price.

No strings attached, maximum flexibility and autonomy

The monthly premium payment mode afford you greater flexibility. You may choose a different plan and adjust coverage at any time according to the needs of different life stages!

More on why you should choose Bowtie

Get everything done online 

Apply online

Product information, benefit schedules and other information are all available on the website. After selecting the desired product, you can immediately obtain an exclusive quotation and then complete the insurance application right away.

Claim online 

Claim applications and estimates can both be completed online. You can even view the progress of your claims online at any time. Got some questions for us? Contact a Claims Specialist anytime at 3008 8123!

Manage policy online 

Log in to Bowtie's online platform to view policy, remaining claimable amount , payment history and more. 

A track record of trust

Fully supported by Sun Life Financial and Mitsui & Co.
Trusted by industry leaders, the first round and B1 round of financing exceeded HK$400 million.
No. 1 in Hong Kong Online Insurance
3 years since establishment. Over 40 billion in sum insured. Over 60,000 customers with pure protection^

Mr. John Tsang
Serves as Senior Advisor
I believe that Bowtie’s insurance technology and pure protection products can help Hong Kong people get enough protection to fill the 6.9 trillion mortality gap in Hong Kong.
¹ Calculated based on the standard premium of  30-year-old non-smoking male insured with Bowte VHIS - Standard Plan, , Bowtie Term Life HK$1,000,000 sum assured, Bowtie Cancer Fighter 300, Bowtie Touchwood Protector and Bowtie Term CI - Multiple Cover HK$1,000,000 sum assured.
² According to a critical illness survey conducted by a reinsurance company in Asia from 2008 to 2012 and the result of Bowtie market research.
³ Expenses for inpatient treatment covered by Bowtie Cancer Fighter will be limited to the restricted ward class. The benefit payable will be subject to an adjustment factor.
# According to Bowtie’s market research, conducted on June 24, 2022, of annually renewable term life insurance products offered by online insurers with monthly payment mode , Bowtie Life Insurance’s standard premiums for non-smokers aged 24 to 65 are among the most competitive in the market.
⁴ Bowtie Cancer Fighter covers all levels of malignant cancer and carcinoma in situ but does not cover precancerous lesions, CIN I or CIN II cervical abnormalities, or all HIV-Associated Cancers.
⁵ Multiple claims benefit is subject to additional requirements, please refer to the policy terms and conditions for details and exclusions.* From now until 30 June 2022, new customer can enjoy 3-month premium waived (the 2nd, 4th and 6th month) and a free body check for successful enrolment in any Bowtie VHIS Plan with the code【BOWTIE】. The body check is only applicable to people aged 14 or above. Terms and conditions apply. Bowtie will send out an email about redemption after 30 days from the effective date of the eligible policy, and customers can follow the instructions to enjoy the offer.
“New customer” refer to the policyholder who has never held the policy of the same Bowtie insurance product nor been an insured person under the same Bowtie insurance product when purchasing the new policy.
⁺Terms and Conditions apply
^ According to the provisional statistics of the Hong Kong insurance industry for 2021 - published by the Insurance Authority, Bowtie Life Insurance recorded the highest number of new Individual Life policies with premiums sold through direct sales (such as digital channels).