Bowtie will not terminate the coverage of Bowtie Children’s Growth Critical Illness Insurance even if the insured person later studies abroad or relocates overseas for short or long periods. However, all illnesses must be diagnosed in Hong Kong to be eligible for compensation.

When the insured person turns 18, the policyholder can exercise the "conversion right" to convert Bowtie Children’s Growth Critical Illness Insurance to Bowtie Term CI, which offers worldwide coverage.

However, depending on the potential higher risks associated with the country the insured person moves to, we may charge additional premiums for specific regions. If the insured person temporarily relocates to another country or travels, works, or studies abroad, no additional premium will be required for the policy. In case of any address changes, the policyholder or insured person must notify Bowtie at the time of policy renewal. For any inquiries, please contact our customer service department at 3008-8123.

Note: if you are currently pregnancy, and planning to give birth in other cities/ countries outside Hong Kong, this product may not be suitable for you. If you apply now, the child must be born in Hong Kong for his/her coverage to be activated. On the other hand, there is no birth place limitation for child applying after birth