Mr. Fred Ngan

Fred is the Co-Founder & Co-CEO of Bowtie (, the Hong Kong’s first virtual insurance company.

Bowtie’s mission is to enable a new generation of consumers to access health insurance directly, making insurance simpler and affordable. Bowtie has raised more than USD $50m from Sun Life, Mitsui & Co and other reputable investors.

Fred is a serial entrepreneur who previously co-founded two VC-funded insurtech startups with over 150 members in 7 markets. His goal is to bring like-minded people together to create innovations while making a social impact.

Fred serves on several committees including Insurance Authority’s Future Task Force, Financial Services Development Council, Hong Kong Management Association, the Hong Kong Federation of Insurers, and Cyberport Academy Group for Fintech.

In recognition for his contribution to innovation, he received several awards including “Fintech Development Leader Award” by Institute of Financial Technologist Asia and “Social Impact Award” by Credit Suisse and Tatler.

Prior to co-founding his first start-up in 2015, Fred was a consulting actuary in EY where he advised insurance clients on risk, capital, investment and financial reporting in Chicago, London, Toronto and Hong Kong.

Fred is a Fellow of the Society of Actuaries (FSA) and an Honorary Fellow of the Financial Technologist (FFT). He holds a Bachelor Degree in Mathematics (Double Major in Actuarial Science & Statistics) from the University of Waterloo.

April 2022

BGS HKU Chapter Honoree 2022 - Mr. Fred Ngan