Bowtie
“Can a fully online, commission-free virtual insurer become Hong Kong's default consumer health-insurance brand?”
Founded2018
HQHong Kong
IndustryFintech / Insurtech
The story
Bowtie is Hong Kong's first authorized virtual life insurer, founded under the HK Insurance Authority's Fast Track scheme. The company sells direct-to-consumer health, life, critical illness, cancer and accident insurance online with no commissioned agents, and has expanded into group/SME insurance and integrated health programs (outpatient, body check, eye care). It operates as a self-licensed insurer rather than a distribution platform.
Product timeline
2018
Bowtie Life Insurance Company Limited becomes Hong Kong's first virtual insurer authorized by the Insurance Authority under the Fast Track pilot scheme.· launch
2020
Launched Bowtie Group Insurance Basic plan for SMEs.· launch
2025
Named to APAC High-Growth Companies list for a second consecutive year; launched Bowtie 醫然保 (medical product).· launch
Regulated entities
1
regulatory licence held by Bowtie
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
0 layers disclosed in Bowtie’s embedded-finance stack
Accounting gap: none