Health Insurance Individual and Families

Health Insurance

There are a large selection of insurers offering a very wide variety of health insurance plans for individuals and families. The people in Hong Kong benefit from many choices in cover and companies, and they benefit from competitive pricing.

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Why Private Health Insurance?

Hong Kong residents have many different reasons to consider an international health plan. In most cases, a private health insurance plan will provide better and quicker diagnosis than a local or national health care system. The individual plan will also reduce or eliminate usual waiting periods and provide access to specialist drugs not available through a national plan.

When you are diagnosed with a serious illness, the last thing you want to experience is waiting for treatment, or for a bed in a public facility. Private medical treatment in Asia, and particularly in Hong Kong, can be very expensive so having an international plan in place will offer the peace of mind knowing that you and your family will have quick access to the correct treatment when you need it.

The majority of the international health insurers offer a variety of levels of cover, which helps the consumer purchase their insurance according to their individual needs and budget.

Inpatient Health Insurance Coverage

Is the basic level of cover and provides benefits for the insured if they are admitted to hospital. It generally also pays for pre-operative and advanced diagnostic testing such as MRI and CAT scans. Most Inpatient plans also provide cover for post-hospital follow-up, full treatment for cancer, organ, bone marrow and tissue transplants and reconstructive surgery.

Outpatient Health Insurance Coverage

Is typically the most popular health insurance plan and is more comprehensive. It provides all the cover of a Inpatient plan along with benefits for doctor and specialist visits, prescription drugs, and diagnostic testing. Outpatient coverage can also pay for conditions that require long-term treatment as long as the condition was diagnosed after the policy was purchased. The cover pays for necessary vaccinations and preventative health checks, and physiotherapy sessions. Many insurance companies also offer an optional dental benefit to supplement the outpatient cover.

Maternity Health Insurance Coverage

Maternity includes all the benefits of Inpatient and Outpatient plus many other valuable benefits.

  • Cover for maternity complications such as emergency C-sections.
  • Routine maternity treatment
  • Cover for the treatment of newborns

(Conception must be after the policy is issued)

Alternative Therapy Health Insurance

Alternative therapy treatments form part of outpatient health insurance plans, and are popular in Hong Kong and Traditional Chinese Practitioner clinics are readily available for people seeking less invasive health care alternatives.

• Traditional Chinese Medicine
• Acupuncture
• Osteopathy
• Chiropractic Treatment
• Homeopathy

Dental Health Insurance

Dental expenses in Hong Kong can be very expensive and most insurance companies will offer a selection of two dental cover plans:

Routine Treatment: The routine level of cover is focused on preventative services such as annual checkups and cleanings. This plan typically offers basic dental treatment for simple fillings, root canal, and emergency treatment.

Major Treatment: The major treatment level offers cover for virtually any dental service including periodontitis and gingivitis treatment, bridgework, crowns, and gold jackets.

Hong Kong Chronic Condition Health Insurance Coverage

It’s important that individuals and families consider the high costs associated with chronic illnesses, especially over the long term. It’s important to establish this type coverage before a diagnosis in order for benefits to be available. Preexisting chronic illnesses are typically excluded from cover. Different health plans will likely offer different levels of cover for chronic illness, so it’s important to consult with your Trusted Union advisor about your cover before deciding on which policy is right for you.

Which health Insurance Plan is Right for You?

To determine which plan level best meets the needs of you and your family, applicants should take into consideration the level of care they would require, whether optional covers are available, their age or ages, and health history.

Choosing an international health plan is a very important decision that shouldn’t be made without having all the information needed to make an informed decision. For complete product details and pricing, speak to your Trusted Union insurance adviser about your health insurance risks to get the information you need to make a smart and informed decision

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