In response to the potentially higher risks in the country to which the insured person moves, we may charge additional premiums, add new policy exclusions, refuse renewal, or terminate the policy on the next policy anniversary for the region moved to.

• If the insured person plans or intends to reside outside of Hong Kong for more than 183 days, the policyholder must proactively notify us at least 30 days before leaving Hong Kong (Both the policyholder and the insured must be residing in Hong Kong at the time of application); or
• If the insured person has already left Hong Kong and resides outside of Hong Kong for longer than expected, approaching 183 days, the policyholder must proactively notify us at least 30 days before reaching 183 days (calculated from the date of departure);

Contact Customer Service via email at cs@bowtie.com.hk for assistance. Please also provide the following information:

• Overseas residential address
• Overseas phone number
• Date of departure
• Reason for departure

Please note: If we are not notified of a change in residence on time, or if the insured has moved overseas at the time of death, claims may not be processed in some circumstances.