A Guideline to Medical Insurance in Hong Kong


Hong Kong’s medical services are renowned worldwide as one of the best health care providers in any developed nation, but finding your way through their health care system can be challenging even for locals. Although the public sector is good, it has many disadvantages, so having medical cover which allows you to access private facilities is highly beneficial.

What is health insurance?

People always insure their homes and vehicles, but never give the same thought to medical insurance. Hong Kong’s public medical system offers free service to all eligible citizens, it is subsidised by the government, so it provides a cheap option for Hong Kong residents. This system is designed to support all members of society, regardless of their ability to pay, the problem with this system is that it doesn’t guarantee the same type of service as private institutes. Medical insurance for Hong Kong people promises individuals access to some the best facilities in the city. It offers 3 key advantages over public services, these are:

  1. Shorter waiting times, in comparison to public hospitals.
  2. Faster diagnosis and treatment.
  3. Higher standard of facilities, such as private recovery rooms.

Having health insurance allows you to use private medical facilities, you gain access to treatments which may not be available to public hospitals. The main aim of health insurance is to guarantee that if you suffer any illness or injury you’ll be omitted to a high-class centre where skilled doctors will take care of you from consultation right through to aftercare.

How does medical insurance work?

Medical insurance comes in a wide variety of options, you can customise a policy to suit your particular needs. There are some common features which are included in all insurance plans, so it is important to read through your policy before agreeing to any strategies.

Where can I sign up for health insurance?

One of the most convenient ways of gathering information on health insurance is to search reputable companies online. You can fill in some personal details and they’ll provide you with a quote, you can also research their coverage options and select the most affordable plan. There are numerous options available to interested parties, all you must do is select a standard policy and add additional features tailored to suit your specific needs. The most important thing is to select medical insurance which is affordable for you.

Here are some of the options on offer:

  • Cancer diagnosis
  • Outpatient expenses
  • Mental health cover
  • Recovery Expenses

If you decide to purchase a policy regarding cancer, you can choose an option which covers you for treatments such as radiotherapy and chemotherapy. It may also include access to drugs that are used in certain types of cancer treatments.

Acquiring medical insurance provides you and your family with peace of mind, purchasing the right type of insurance can be a bit of a headache, but you’ll find many online services which make it a lot easier to choose a policy which is perfectly suited for you. Take your time and do as much research as possible.

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