How does the underwriting process work?

  • Updated

Bowtie leverages Hong Kong’s first-of-its-kind fully online medical underwriting system to evaluate applicants’ health conditions instantly. No medical examinations or paper forms are required, and as a result, the application process is shortened from at least three days to as quick as 10 minutes.

 

Based on the health information you provided, we analyze the severity of your previous illnesses and instantly provide the fairest and most accurate premium rates. Typically, if the applicant is in good health, premiums would be low. 95% of the questions in our underwriting system are multiple choice.