You can personally adjust your sum insured through our online platform.

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Steps to adjusting your sum insured (with image assistance)

1. Click hereto log into our online platform
2. Click ‘My Protection’, then choose ‘Policies and Plans’
3. Select the relevant policy and click on ‘Policy Modification’
   
4. Under "Amend Policy," click on "Increase Your Coverage Amount" or "Decrease Your Coverage Amount"

Important Notes
Please note the following before adjusting your coverage amount:

1. Increasing Your Critical Illness Coverage
   Bowtie will treat your application for additional coverage as a new policy, and an underwriting process will be required. Your existing policy will remain in effect.
   Example : Assuming the current coverage is HK$2,000,000 and you want to increase it to HK$4,000,000, the customer needs to submit a separate application for HK$2,000,000.*
2. Decreasing Your Critical Illness Coverage
   The application for reduction must be submitted at least 15 days prior to the next renewal date. The policy with the reduced coverage amount will take effect on the renewal date, and the original policy will be invalidated. The additional terms and conditions of the original policy (such as additional premiums and individual exclusions) will be attached to the new policy. If you want to increase the critical illness coverage amount in the future, you will need to re-apply for a new policy and undergo underwriting.

*For the new application, the insured person must disclose their latest health status. We will treat the application as a new policy and it will need to go through the underwriting process again. We will assess whether the latest health status is insurable, and the underwriting result may be different from the existing plan. Once the new application is approved, you will hold two valid policies to reach a total coverage of HK$4,000,000.