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Bowtie 親友推薦計劃之條款及細則


當你推薦朋友或家人購買保泰人壽保險有限公司(「Bowtie」)的指定保險產品時,Bowtie 親友推薦計劃(「推薦計劃」)將贈送獎賞予你。以下為推薦計劃之條款及細則:

1. 推薦計劃適用於以下第 7 段中列明、由 Bowtie 承保之保險產品(「合資格產品」)。

2. 推薦計劃於 2021 年 10 月 11 日至 2021 年 12 月 31 日生效(首尾兩天包括在內)(「推廣期」)。

3. 倘若於推廣期內,你持有至少一份有效之 保泰自願醫保計劃保單、保泰意外醫保計劃保單、保泰癌症醫保計劃保單、Bowtie 人壽保單或 Bowtie 危疾保單(「推薦人保單」),即合資格以推薦人身份(「推薦人」)參與推薦計劃。

4. 推薦人需登入 Bowtie 帳戶取得專屬推薦碼。

5. 每名推薦人就此推薦計劃獲取最多高達港幣 $12,000 保費豁免。

6. 如推薦符合以下全部條件,即視作成功(「成功推薦」):

  • 獲推薦人士(「受薦人」)從未申請投購或持有過任何 Bowtie 合資格產品之保單或成為任何 Bowtie 合資格產品保單下的受保人;
  • 受薦人於推廣期內透過推薦人專屬推薦碼成功申請投保首個合資格產品(「受薦人保單」)及其保單於 2021 年 12 月 31 日或之前獲繕發並需維持有效至冷靜期完結;及
  • 推薦人及受薦人不是同一人。

7. 每次成功推薦後,相關推薦人及受薦人將可獲下列所載之獎賞(「推薦獎賞」)。‍

受薦人成功投保之保險產品:任何保泰自願醫保計劃

推薦人獎賞:豁免 3 個月保費 (每月最多港幣 $200 保費豁免)

受薦人獎賞:$4,000 BowtieCash + 豁免 2 個月保費(第4及第7個月之保費)


受薦人成功投保之保險產品:保泰意外醫保計劃

推薦人獎賞:豁免 2 個月保費(每月最多港幣 $200 保費豁免)

受薦人獎賞:豁免 4 個月保費(第2、第4、第6及第8個月之保費)


受薦人成功投保之保險產品:任何保泰癌症醫保計劃

推薦人獎賞:豁免 2 個月保費(每月最多港幣 $200 保費豁免)

受薦人獎賞:豁免 4 個月保費(第2、第4、第6及第8個月之保費)


受薦人成功投保之保險產品:Bowtie 人壽保

推薦人獎賞:豁免 2 個月保費(每月最多港幣 $200 保費豁免)

受薦人獎賞:豁免 4 個月保費(第2、第4、第6及第8個月之保費)


受薦人成功投保之保險產品:Bowtie 危疾保

推薦人獎賞:豁免 2 個月保費(每月最多港幣 $200 保費豁免)

受薦人獎賞:豁免 4 個月保費(第2、第4、第6及第8個月之保費)


8. BowtieCash 可於索償時支付超過保泰自願醫保計劃所載的賠償限額的合資格醫療費用,受 BowtieCash 推廣活動細則約束。

9. 就每個成功推薦,推薦獎賞中的 BowtieCash 部份(如有)將於受薦人保單獲繕發及生效至少 28 個曆日後存入相關推受薦人的保單。

10. 推薦人獎賞中的保費豁免將於受薦人保單獲繕發及生效至少 28 個曆日後顯示於推薦人的 Bowtie 帳戶,推薦人可登入 Bowtie 帳戶查看該保費豁免詳情。如推薦人的 Bowtie 帳戶中有多於一張有效之 Bowtie 保單,保費最高之保單將獲保費豁免。保費豁免將於下一個需要繳交保費之月份開始生效。而受薦人獎賞中的保費豁免將於受薦人保單獲繕發後生效。

11. 惟獎賞發放時,受薦人保單及推薦人保單均必須仍然生效。如推薦人保單不再生效, 任何未生效的保費回贈將會被取消。

12. 推薦人獎賞中的保費豁免每月上限為港幣 $200,如推薦人保單之每月月費少於 $200,差額不能兌換現金或其他形式之補償。

13. 除非另有列明,受薦人獎賞不能與 Bowtie 任何其他推廣計劃同時使用,亦不能更改、退回、用作交換其他獎賞或兌換現金。

14. 推薦人及受薦人有責任提供真實及準確的資料予 Bowtie。倘若提供的資料失實或錯誤,Bowtie 保留權利扣留或撤銷推薦獎賞。於此情況下,Bowtie 將不作賠償或提供替代,Bowtie 有最終決定權。

15. 推薦人並非 Bowtie 就任何目的之代理人。推薦人在推薦計劃下單純作出推薦,並非: 鼓勵 、游說或勸服任何受薦人訂立保險合約;洽談或安排保險合約;邀請或誘使任何人訂立保險合約,或企圖邀請或誘使任何人訂立保險合約;提供受規管意見;或進行任何《保險業條例》(香港法例第41章) 中定義的受規管活動。推薦人不可參與保單之安排。受薦人必須直接與 Bowtie 處理一切與保單申請及保單相關之事宜。

16. 就是否繕發任何保單, Bowtie 有絕對決定權。

17. 如果受薦人保單生效期少於一年,Bowtie 保留權利撤銷部份或全部就該受薦人保單而發放的推薦獎賞。

18. 保泰反對濫發郵件。參與推薦計劃時,推薦人必須遵守所有相關法規,包括《個人資料(私隱)條例》。

19. 在任何情況下,包括任何推薦人的任何過失或作為或因保泰的疏忽行事或遺漏或因其管理層、僱員、董事、代理、顧問、承包商、合作夥伴或其他可能依法承擔責任的人的疏忽行事或遺漏,保泰均不對任何推薦人﹑受薦人或任何第三方因推薦人參與推薦計劃而承受的任何性質的賠償、損失、損害、成本、費用的索賠承擔責任。推薦人同意彌償保泰及上述所有人士,並使他們所有人免於因推薦人參與推薦計劃或與之相關的任何性質的賠償、損失、損害、成本、費用的索賠或因違反本條款及細則而產生的責任。

20. Bowtie 保留權利隨時修訂本條款及細則及終止本推薦計劃,並不作出任何通知。

21. 參與推薦計劃即被視作接納本條款及細則。

22. 若本條款及細則的中文及英文版本存有歧義,將以英文版本作準。


Bowtie Friends and Family Referral Program
Terms and Conditions


Bowtie Friends and Family Referral Program (“Referral Program”) rewards you when you invite your friends and family members to purchase specified insurance products from Bowtie Life Insurance Company Limited (“Bowtie”). The terms and conditions of the Referral Program are set out below:

1. The Referral Program is applicable to the insurance products underwritten by Bowtie as specified in paragraph 7 below ("Eligible Products").

2. The Referral Program is valid from 11 October 2021 to 31 December 2021 (both days inclusive) (“Promotion Period”) .

3. You are eligible to participate in the Referral Program as a Referrer (“Referrer”) if you hold at least one (1) in-force policy of any Bowtie VHIS plans, Bowtie Accidental Medical plan, any Bowtie Cancer Medical plans, Bowtie Term Life plan or Bowtie Term CI plan during the Promotion Period ("Referrer's Policy").

4. Referrers need to login to Bowtie account to get the personalized referral code.

5. Each Referrer can earn a maximum of HK$12,000 premium waiver from the Referral Program.

6. A referral is considered successful (“Successful Referral”) if all of the following conditions are satisfied:

  • the referred person (“Referee”) has never applied to purchase nor held any Bowtie insurance policy of the Eligible Products nor been an insured person under any Bowtie insurance policy of the Eligible Products;
  • the Referee successfully applies and submits the first application of any Eligible Products using the Referrer's personalized referral code within the Promotion Period ("Referee's Policy") and the policy is issued on or before 31 December 2021 and remains effective until the end of cooling off period;
  • and the Referrer and the Referee are not the same person.

7. Following a Successful Referral, the relevant Referrer and Referee will receive the reward as stated below (“Referral Reward”).‍

Insurance product successfully purchased by Referee: Any Bowtie VHIS Plan

Referrer’s Reward: 3-month premium waived (Maximum HK$200 premium waiver per month)

Referee's Reward: $4,000 BowtieCash + 2-month premium waived (The 4th and 7th month's premium)


Insurance product successfully purchased by Referee: Bowtie Accidental Medical Plan

Referrer’s Reward: 2-month premium waived (Maximum HK$200 premium waiver per month)

Referee's Reward: 4-month premium waived (The 2nd, 4th, 6th, 8th month's premium)


Insurance product successfully purchased by Referee: Any Bowtie Cancer Medical Plan

Referrer’s Reward: 2-month premium waived (Maximum HK$200 premium waiver per month)

Referee's Reward: 4-month premium waived (The 2nd, 4th, 6th, 8th month's premium)


Insurance product successfully purchased by Referee: Bowtie Term Life

Referrer’s Reward: 2-month premium waived (Maximum HK$200 premium waiver per month)

Referee's Reward: 4-month premium waived (The 2nd, 4th, 6th, 8th month's premium)


Insurance product successfully purchased by Referee: Bowtie Term CI

Referrer’s Reward: 2-month premium waived (Maximum HK$200 premium waiver per month)

Referee's Reward: 4-month premium waived (The 2nd, 4th, 6th, 8th month's premium)


8. BowtieCash can be applied to cover your eligible medical costs that exceed the benefit limit stated in the insurance policy, subject to the campaign rules of the BowtieCash Program.

9. For each Successful Referral, the BowtieCash part of the Referral Reward (if any) will be allocated to the respective policy of the Referee after twenty-eight (28) calendar days from the date of issuance of the Referee's Policy.

10.  The details of premium waiver of the Referrer's Reward will be shown in the Referrer’s Bowtie account after twenty-eight (28) calendar days from the date of issuance of the Referee's Policy. The Referrer can login to Bowtie account to view the details of premium waiver. If there are more than one in-force policies in the Bowtie account of the Referrer at the time when the reward is distributed, the policy with the highest premium amount will enjoy the premium waiver. The premium waiver will be effective starting from the next payable month. The premium waiver part of the Referee's Reward will be effective upon the issuance of the Referee's Policy.

11. Both the Referrer's Policy and the Referee's Policy must be in-force at the time of reward allocation. Any unutilised premium waiver will be forfeited if the Referrer's Policy is no longer in force. 

12. The Referrer can enjoy a maximum of HK$200 premium waiver per month. If the monthly premium of the Referrer's Policy is less than HK$200, the unused value cannot be exchanged for cash or any other gifts, goods or services of equal value.

13. Unless otherwise specified, the Referee's Reward CANNOT be used in conjunction with any other promotional campaigns operated by Bowtie, nor can it be changed, returned, exchanged for other gifts or redeemed for cash.

14. Referrers and Referees are responsible for the truthfulness and accuracy of the information provided to Bowtie. Bowtie reserves the right to withhold or withdraw the Referral Reward if the information provided is false or incorrect. In such cases, no compensation or replacement will be provided and Bowtie’s decision is final.

15. Referrers are not agents of Bowtie for any purposes. By merely making referrals under the Referral Program, Referrers are not: encouraging, persuading or convincing any Referees to enter into a contract of insurance; negotiating or arranging contract of insurance; inviting or inducing, or attempting to invite or induce, a person to enter into a contract of insurance; giving regulated advice; or engaging in any Regulated Activities as defined under the Insurance Ordinance (Cap. 41, Laws of Hong Kong). Referrers shall not be involved in the arrangement of the policy in any way. Referees must directly deal with Bowtie for all matters in relation to their policy applications and policies.

16. Bowtie has the absolute discretion to decide whether or not to issue any insurance policy.

17. If the Referee's Policy is in force for less than one (1) year, Bowtie reserves the right to withdraw part or all of the Referral Reward allocated in respect of the Referee's Policy.

18. Bowtie discourages spamming.  Referrers must comply with all relevant laws and regulations including the Personal Data (Privacy) Ordinance in participating in this Referral Program.

19. Under no circumstances, including as a result of any acts or omissions of any of the Referrers or Bowtie's negligent acts or omissions or those of its officers, employees, directors, agents, advisers, contractors, partners or other persons for whom in law it may be liable, shall Bowtie be liable for any claim, loss, damage, costs, expenses of any nature which any Referrers, Referees, or any third parties may sustain as a result of participating in this Referral Program.  Referrers undertake to indemnify Bowtie, and all of the above persons harmless from any claim, loss, damage, costs, expenses of any nature or other liability arising from or related to the Referrer's participating in this Referral Program or breach of these terms and conditions.

20. Bowtie reserves the right to amend these terms and conditions and the right to terminate this Referral Program at any time without notice.

21. Participation in the Referral Program is deemed acceptance of these terms and conditions.

22. If there is any inconsistency between the English and Chinese versions of these terms and conditions, the English version shall prevail.