Just like traditional insurance companies, our professional customer service team is always ready to assist you. If you have any questions about your insurance policy, you can contact us anytime.
Dear customer, our Live Chat has resume service again. If you have any enquires, you may now click "Chat" to contact to our customer service during office hours from Monday to Friday (excluding public holidays) from 9:30 am to 6:30 pm.
Self-service policy enquiry and change
Online quote, insurance & approval, anytime, anywhere
Apply for a claim online in a few simple steps
Explain product features and choose the best plan for you
Assistance with online application submission
Provide application status inquiries
Assign case specialists to follow up and assist with online claims submission
Assist with claim estimation
Bowtie has an easy-to-use online platform, you can check the status of your policy anytime, anywhere, and even file a claim online.
Tiny
Claims specialist
Our customer service ambassadors are experienced colleagues who are also licensed insurance professionals and can help you with all your policy issues, including questions about policy application or claims.
Veronica
Customer service manager
Bowtie values your opinion and every comment is the driving force behind our efforts to improve our services. If you have any comments, you are welcome to let us know so that we can continue to improve and provide a better service!
Viviana
Operations assistant manager
Discover a transparent and personalized insurance experience with Bowtie!
We provide zero-commission, intermediary-free 1-on-1 expert consultations with no hidden fees. Our concierge team engages directly with you for your convenience and satisfaction. Enjoy the premier online insurance experience with us!
Personalized Product Consultations
Claim Assistance
Personalized Product Consultations
Health Checkup Referrals
Claim Assistance
VHIS only reimburses for expenses of Pre- and post-confinement / Day case procedure outpatient care.
Additionally, the Flexi Plan and Bowtie Pink offer "Accident Emergency Outpatient" coverage, which reimburse medical expenses such as wound cleansing and dressing or stitching within 24 hours of an accident at a hospital's ER or outpatient department.
General outpatient services such as general practice, Chinese medicine, and dental treatments are not covered under Bowtie VHIS.
Bowtie will not increase your VHIS premiums or terminate your policy due to your past claims in Bowtie.
In fact, VHIS guarantees renewal. Once the policy is in effect, Bowtie VHIS Standard guarantees renewal till age of 100, while the VHIS Flexi Regular/ Plus and Bowtie Pink guarantee lifetime renewal. The annual renewal premiums will only be adjusted based on age and will never be increased due to individual’s claims history or health conditions after the policy is in effect.
Generally, there is no waiting period for illnesses that arise after you enroll in Bowtie VHIS Plan.
Bowtie VHIS only has a waiting period for "pre-existing conditions unknown to you at the time of enrolment." These are conditions that you already had before enrolling, but were unaware of because there were no obvious symptoms, and you did not seek medical advice or treatment.
In simple terms, if you were unaware that you had a certain condition when you enrolled, but are later diagnosed and need treatment for it after enrolling, the eligible expenses will be subject to the following waiting periods and reimbursement ratios.
Voluntary Health Insurance Scheme (VHIS), regulated by the Health Bureau, is a personal medical insurance that reimburses eligible medical expenses related to hospitalization and day surgeries. All VHIS must meet several standardized product features including policy terms, minimum coverage, and premium transparency. Although insurers can have different coverages and designs for their Flexi Plans, all terms and coverages cannot be set below the standards of the VHIS Standard.
You can consider Bowtie Pink VHIS with a deductible to supplement your existing health insurance (commonly known as "Top-Up" insurance), which can enhance protection while also helps saving on premiums.
Based on the coverage level of your company's group medical insurance, you can decide on an appropriate deductible. When you need to file a claim, you can first claim it from your company's group medical insurance, and the remaining eligible medical expenses, after deducting the deductible, can be covered by Bowtie Pink.
For example, if you opt for the Bowtie Pink VHIS plan with a HK$20,000 deductible, of which the deductible is calculated per policy year, meaning you need to bear the first HK$20,000 of eligible medical expenses each policy year (including expenses claimed from company health insurance), after which Bowtie will cover for the remaining eligible medical expenses.
If needed, you can also seek product advice via WhatsApp at 6016 5980!
Note: Bowtie offers various products with different levels of coverage. You can consider and choose the most appropriate insurance product based on your personal needs and financial capacity.
Not required. Except for individuals over age 65 purchasing BowtiePink, you simply need to visit the Bowtie VHIS website, click "Apply Now", and complete the health declaration (underwriting questions).
We will base on your response in the health declaration in understanding any of your previously diagnosed conditions and their severity. Generally, we are able to calculate the most fair and accurate premium instantly. Most of the questions in the health declaration (95%) are multiple-choice.
The insured person whose age is between 66 and 80 must go to designated clinics to complete the following health assessments for underwriting, after applying for Bowtie Pink.
How to cancel your policy:
You may only obtain full refund of the premium and levy paid if the policy is cancelled within the 21-day cooling-off period (period start once policy is effective) and without benefits payment previously and in process. 30-day notice period is needed for any policies cancelled after cooling-off period and during renewal.
In general, you will need to have the original receipt for your claim. If you have lost your receipt, you can request a certified true copy of the receipt from the hospital or the doctor and upload it to Bowtie's online platform for special approval, together with the reason for the loss.