Medical Insurance

Hong Kong has a public healthcare system, but public hospital waiting times for non-emergency treatment can be very long — sometimes months or years. Private medical insurance gives you access to prompt, high-quality treatment at Hong Kong's leading private hospitals and specialists, without lengthy queues or significant out-of-pocket costs.

A local Hong Kong plan covers treatment within Hong Kong only (and sometimes mainland China). An international plan covers treatment in Hong Kong and worldwide — including emergency treatment abroad and, in some cases, planned treatment overseas. Expats and frequent international travellers generally need an international plan.

Yes - though pre-existing conditions are usually excluded from standard policies initially. Some insurers offer moratorium underwriting (which may cover pre-existing conditions after a claim-free period) or full medical underwriting (which assesses each condition individually). We advise clients on the best underwriting approach for their situation.

A corporate group plan provides medical benefits to a company's employees under a single group policy. Group plans typically offer broader coverage and lower per-person premiums than individual plans. Employers often contribute to or fully fund the premium as an employee benefit. We arrange group schemes from 2 employees upwards.

Annually - ideally before your policy renewal date. Medical insurance costs in Hong Kong increase with age and claims history, and insurer pricing changes each year. We proactively review all our medical insurance clients at renewal to ensure their plan still offers good value and adequate cover for their current needs.