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  1. 2020年7月9日 · A significant share of our customers heard of us on the news (19%), and found us via Google search (20%). Our first product launch was around the time the Hong Kong SAR government officially unveiled the Volunteer Health Insurance Scheme (VHIS).

    • How Did You Hear About Bowtie Insurance?
    • Have You Bought Medical Insurance before?
    • Why Do You Need Medical Insurance?
    • Did You Shop Around Different Providers?
    • Why Did You Choose A Virtual Insurer?
    • Why Do You Trust Us?
    • How Was Your Purchase Experience?
    • Did You Reach Out to Customer Support?
    • How Can Bowtie Do A Better Job?
    • Have You Referred Your Friends to Bowtie?

    A significant share of our customers heard of us on the news (19%), and found us from Google search (20%). Our first product launch was around the time the Hong Kong SAR government officially unveiled the Volunteer Health Insurance Scheme (VHIS). This garnered significant coverage from local and international media. Collaborating with one of our mo...

    More than half of the interviewed customers were first-time buyers of medical insurance. This speaks to Bowtie’s ease-of-use. With little to no experience buying medical insurance, customers were still able to complete the online underwriting process. Of the customers who had purchased insurance before, one-third are buying Bowtie products for thei...

    More than 40% of the interviewed customers have existing group medical insurance from their employer. They purchase additional products from us to “top-up” their protection. “Topping-up” your protection is important, because often our customers find their employers’ provided medical benefits inadequate. Among our customers, teachers, civil servants...

    Our customers are diligent. 90% of the interviewed customers did their homework by comparing us with other well-known insurance brands. Most of them rely on the many free online comparison tools like MoneyHero, MoneySmart and the government issued VHIS Plan Search Engine. A few read about us in the Consumer Council’s Choice Magazine. Unlike most in...

    The interviewed customers are a price sensitive crowd. I spoke with customers who even remembered how many dollars our monthly premiums were cheaper than other comparable products. Half of them mention price as the motivation to pick a virtual insurer. Bowtie has the lowest VHIS premiums for both men and women aged 0 – 75 years old. These cost savi...

    Many of our interviewed customers took the time to dig into our company’s history. They were curious about how my co-founder and I started a company in an industry with so many entrenched players. It does read a little bit like David versus Goliath. When they realized that John Tsang shares and supports our mission, our customers were positively su...

    Our biggest breakthrough has been dramatically reducing the time it takes to submit an application for underwriting. Nearly half of our customers completed applications in one take, doing so in between 10 – 15 minutes. That’s an amazing accomplishment compared to conventional channels. We invested significant effort in building an experience that’s...

    Although we have a dedicated team of healthcare and customer service professionals ready to help, we haven’t done enough to alert users to their existence. We are proud of the fact that 60% of customers completed their applications without any human support. However, it’s equally important to us to be there to help when our customers need us. 40% o...

    Many of the interviewed customers want more products. They are interested in products like critical illness coverage, cancer protection, and life insurance coverage. We’ve taken this feedback close to heart, and recently launched our cancer product and an outpatient service that improves the experience of going to the doctor. Life insurance and cri...

    36% of the interviewed customers have already referred us to family, friends or colleagues. 33% of them plan to recommend Bowtie if asked. We’re excited by stories of young parents trusting us with their whole family’s insurance. In one case, one of them bought 10 policies for the whole family. Other customers want to wait and see how we handle the...

  2. This includes, but is not limited to, nuclear fission, nuclear fusion, ionising radiation or contamination by radioactivity from any nuclear fuel, nuclear waste resulting from combustion of nuclear fuels or nuclear weapons, or any act of nuclear, chemical or biological

  3. Nuclear, biological, and chemical activities War and terrorism Suicide It should be noted that in order to reduce the moral risk of people with suicidal tendencies using suicide to obtain compensation, insurance companies usually have additional clauses For ...

  4. 2023年6月29日 · Buying insurance is certainly to purchase protection for unforeseen circumstances. If you don't want your claims to be rejected, you need to understand the compensation clauses before purchasing insurance, especially the scope of general exclusions. If you belong to a higher risk group, you may be subject to additional exclusions or premiums. Let's learn more with Bowtie now!

  5. 2023年5月31日 · Critical illness insurance is an insurance product designed to cover severe illnesses. The covered critical illnesses include but are not limited to cancer, heart disease, severe coronary artery disease, stroke, benign brain tumors, and kidney failure.

  6. 4 染;或任何核、化學或生物恐怖主義行為,包括但不限於使用核、生物或化學武器 及制劑;或 (h) 戰爭及恐怖主義:革命及戰爭(不論宣戰與否)、恐怖主義行為。 上述段落只供參考,有關全部及詳細不保事項,請參閱計劃條款及細則的「第3 部份:不保事 項」部分。

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