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At Trusted Union we help you find the right health insurance. 

We have devised the Three Pillars of medical Insurance so you can keep your health protected and help you manage your personal tail risk by transferring the burden of medical costs to the insurance company you choose. 

To quote an ancient Indian proverb.

‘A person in good health has 1000 wishes; but a person in bad health only has one’ 

Trusted Union’s Three Pillars of Health Insurance to keep your wishes... 

Pillar I

Hospital and Surgery or Inpatient coverage

This is the most important level of insurance coverage and pays benefits to you or your family if they are admitted to hospital as an Inpatient or day patient. It covers the financial costs for treatment received (including drugs taken) in a hospital setting.

This coverage will also pay for;

Pre-operative and advanced diagnostics testing like MRI, CAT or PEP scans

Pre and post hospitalization benefits

Coverage for the treatment of cancer as an Inpatient, day patient or outpatient

Medically necessary reconstructive surgery

Medically necessary organ transplant

Medically necessary bone marrow or tissue transplant

Pillar II

Outpatient & Alternative Therapy coverage

Doctor or specialist visits

Prescription drugs

Diagnostic test

Necessary vaccinations

Preventative health check-ups

Traditional ChMedicine Treatment

Acupuncture Treatment

Osteopathy Treatment

Chiropractic Treatment

Homeopathy Treatment

Pillar III

Dental & Maternity coverage

Pre-natal and post-natal exams and treatments such as ultrasounds

Pregnancy complications such as a miscarriage

Planned delivery costs at home with a midwife or at a hospital of your choice

Medically necessary procedures such as caesarean sections

Maternity complications (i.e. emergency C-section)

Routine maternity treatment & check-ups

Cover may be automatically extended to newborns.

Routine & Major Treatment Dental

Routine preventative services like annual check-ups

Cleaning and polishing

Fillings

Root canals

Periodontitis

Gingivitis

Bridgework

Crowns and inlays

Gold jackets or caps

Orthodontist

Private Health Insurance for Individual And Families in Hong Kong

Hong Kong is a bustling

Hong Kong is a bustling metropolis with a large selection of insurers offering a variety of health plans with very competitive pricing better and quicker diagnosis and provide access to specialist or name brand drugs not available through a national plan. With an international plan, you can feel secure knowing that you and your family have quick access to the best treatment when you need it.

Which Private Health Insurance Plan Right Me?

While the public healthcare insurance in Hong Kong is well developed and affordable, there are benefits....

How Much Does Private Health Insurance Cost?

Most international health insurance companies offer different tiers of plans so you can easily pick the...

What Coverage Can I Get?

Inpatient Health Insurance CoverageThis is the most basic level of cover and pays benefits to the insured if they are admitted to hospital. Basically, it pays for treatment received (including drugs taken) in a hospital setting.

This coverage will also pay for pre-operative and advanced diagnostics testing like MRI or CAT scans as well as post-hospital follow-up visits. Most importantly, this health insurance coverage will pay for the full treatment of cancer, medically necessary reconstructive surgery, and organ, bone marrow or tissue transplants. 

Maternity Private Health Insurance Coverage

Maternity insurance includes all of the inpatient & outpatient benefits mentioned above plus some additional coverage specific to maternity plans:

  • Maternity complications (i.e. emergency C-section)
  • Routine maternity treatment & check-ups
  • Cover is automatically extended to newborns

This plan basically covers costs associated with pregnancy and childbirth but it must be purchased prior to conception. There is also a waiting period that applies before benefits can be claimed. See our Maternity Private Health Insurance article for more information. Know more...

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Alternative Therapy

Health Insurance

Some examples of insured alternative therapies include

Homeopathy

homeopathy (1)
Homeopathic medicine is a form of complementary and alternative medicine (CAM). The fundamental principle of homeopathy is "like cures like," which means that a substance that causes symptoms in a healthy person can be used in diluted form to treat similar symptoms in a sick person.

Acupuncture

Acupuncture

Acupuncture Is Part Of The Ancient Practice Of Traditional Chinese Medicine. Acupuncture is the practice of penetrating the skin with thin, solid, metallic needles which are then activated through gentle and specific movements of the practitioner's hands or with electrical stimulation.

Chiropractic Treatment

Chiropractic Treatment (1)

Chiropractic adjustment is a procedure in which trained specialists (chiropractors) use their hands. Chiropractic adjustment is a procedure in which trained specialists (chiropractors) use their hands or a small instrument to apply a controlled, sudden force to a spinal joint.

Osteopathy

Osteopathy

Osteopathy is a form of complementary medicine that focuses on the physical.Osteopathy (from Ancient Greek ὀστέον (ostéon) 'bone', and πάθος (páthos) 'pain, suffering') is a pseudoscientific system of alternative medicine that emphasizes physical manipulation of the body's muscle tissue and bones.

How much does private health insurance Cost?

A Couple age 25 living in Hong Kong

Basic Plan

US$1,336.65/Quarter
  • Essential Hospital and Surgery
  • Essential Outpatient
  • Special Inpatient Provider
  • Annual Hospital Deductible of $US1,500
  • Worldwide Excluding USA geographic coverage
  • Hospital and Surgery up to $US 1.5M or 11.7M HKD
  • Restricted Hospital Network *
  • Annual Hospital and surgery deductible
  • Outpatient up to $US 7,000 or $HK 54,600
  • Traditional Chinese Medicine
  • Acupuncture
  • Osteopathy
  • Chiropractic Treatment

Basic Plan

$99/Month

Essential Hospital and Surgery

Essential Outpatient

Special Inpatient Provider

Annual Hospital Deductible of $US1,500

Worldwide Excluding USA geographic coverage

Hospital and Surgery up to 11.7M HKD

Restricted Hospital Network *

Annual Hospital and surgery deductible

Outpatient up to $US 7,000 or $HK 54,600

Standard Plan

$129/Month

Maternity complications

Routine maternity treatment & check-ups

Cover is automatically extended to newborns

Traditional Chinese Medicine

Acupuncture

Osteopathy

Chiropractic Treatment

Annual Hospital and surgery deductible

Outpatient up to $US 7,000 or $HK 54,600

Premium Plan

$150/Month

Maternity complications

Routine maternity treatment & check-ups

Cover is automatically extended to newborns

Traditional Chinese Medicine

Acupuncture

Osteopathy

Chiropractic Treatment

Annual Hospital and surgery deductible

Outpatient up to $US 7,000 or $HK 54,600

US$2,546 per year per couple or US$5,092.00 plus I.A levy or 0.1% 

Or a payment quarterly of US$1,336.65** plus I.A levy or 0.1% 

*Restricted network excludes hospital treated in the Adventist, Matilda and Sanatorium.  

Premiums are correct as 1st Jan 2024 and valid until 31 Dec 2024 

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Which Private Health Insurance Plan Is Right For Me?

With health insurance, there are no one-size-fits-all solutions. The needs of you and your family, the level of care you require, what optional covers are available, age, finances and medical history all play a part in selecting the right insurer and the right plan.

There are a lot of nuances to consider and you shouldn’t commit to anything without knowing all the information. For complete product details and pricing, speak to your Trusted Union adviser. We can help you analyze your risks and give you all of the information you need to make an informed decision.

INDIVIDUAL AND FAMILY HEALTH INSURANCE FAQ

What Is Health Insurance And How Does It Work?

The first choice is an individual private health insurance plan - which only covers the applicant. The second option is a family health insurance plan which covers everyone in the household including dependents and children.

The most basic level of cover pays for benefits if the insured is admitted to hospital. Basically, it pays for treatment received (including drugs taken) in a hospital admission as an Inpatient or day-patient.

This higher coverage option provides all the cover that’s included in the inpatient plan but adds benefits for doctor or specialist visits, prescription drugs taken OTC, diagnostics, and rehabilitation or physiotherapy.

Who Is Eligible For Private Health Insurance?

Nearly anyone is eligible to purchase health insurance but some insurance companies will impose certain restrictions. Most commonly, some insurance companies do not want to accept applicants over a certain age.

Many insurance companies will also require an application form where you disclose detailed medical information to help them evaluate your risk potential, insurability, and how much premium to charge you.

Another important caveat is that many insurance companies will have exclusions for uncontrolled pre-existing conditions. If you have a pre-existing condition that requires ongoing treatment and is worsening in the time leading up to the application, they will still insure you but may add an exclusion for that pre-existing condition.

That said, we specialize in hard-to-place applicants so if you don’t want to submit a detailed medical questionnaire, have “negative” lifestyle factors like smoking or a dangerous occupation, or have pre-existing conditions, we can help. Just contact a licensed Trusted Union health insurance insurance broker for help.

What Is The Benefit Of Health Insurance?

The main benefit of buying health insurance in Hong Kong is to help pay for the high cost of private hospitals and private medical treatment.

While the public healthcare system in Hong Kong is very well developed and meets and sometimes exceeds global standards in many areas, there are downsides. The hospitals and rooms are often overcrowded, uncomfortable, has long wait times, and has possible language barriers for expats.

The private healthcare system is a great alternative that alleviates many of these issues but it is expensive. Purchasing health insurance means that the insurance company will help pay for many of these costs. That said, the exact level of coverage you get depends on the tier of plan you choose to purchase.

How Much Does Private Health Insurance Cost?

The short answer is: it’s hard to say as it depends on each individual applicant. But there are some factors that we know will influence your health insurance premiums.

The first and most important factor is your age. Insurance companies frequently use age brackets to set prices. The older you are, the more expensive your health insurance will be.

The second most important factor is the results of your medical questionnaire and medical history. If you have “negative” lifestyle factors like a smoking habit, excessive alcohol consumption, or a dangerous occupation, that would negatively affect your health insurance premiums.

Why Should I Take Health Insurance?

Hong Kong has a very well-established and well-regarded public medical system. This system is based on the UK’s NHS and offers free or highly subsidized healthcare courtesy of the Hong Kong government. That said, there are downsides. The public healthcare system is often overcrowded, not as comfortable, has long wait times, and could have language barriers that some ex-pat patients may not be able to overcome.

The private healthcare system on the other hand, is preferred by most ex-pats and the people who can afford it. They offer shorter wait times for potentially life-saving medical treatment, private rooms and luxury accommodations and a more multilingual medical team of doctors and nurses who are assigned to you throughout your treatment. The downside is that it can be very expensive.

You should consider purchasing either an individual health insurance policy or a family health insurance policy to help cover some of the expenses involved in using private hospitals in Hong Kong.

What Age Should I Get Private Health Insurance In Hong Kong?

There is no set age when you should get health insurance - it all depends on your unique situation. If you’re young and still considered a dependant, you might not need your own individual private health insurance policy if your parents have a family policy. And it’s never too late, even if you’re a senior citizen, we have access to seniors health insurance that accepts applicants as old as 85 years old.

That said, we do recommend people buy health insurance as early as they can. And this is for 2 reasons: lower premiums and less chance of pre-existing or chronic conditions being excluded.

The primary factor insurance companies use to assess your risk and the amount of premium you pay is your age. The younger you are when you first purchase insurance, the cheaper it will be.

Another reason to buy insurance as early as possible is the fear of developing a chronic condition appearing and being excluded by your policy. For example, if you develop a heart condition that requires ongoing treatment or medication prior to purchasing insurance, the insurer might consider that a pre-existing condition and won’t cover medical expenses related to that heart condition.

Which private medical or health insurance plan is right for me?

With health insurance, there are no one-size-fits-all solutions. The needs of you and your family, the level of care you require, what optional covers are available, age, finances and medical history all play a part in selecting the right insurer and the right plan.

There are a lot of nuances to consider and you shouldn’t commit to anything without knowing all the information. For complete product details and pricing, speak to your Trusted Union adviser. We can help you analyze your risks and give you all of the information you need to make an informed decision.

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