Outpatient insurance: What is it, what does it cover, and why do we need it?

Outpatient insurance PPHK blog image

When looking for a new health insurance plan in Hong Kong, one of the first questions your broker or insurance provider will ask is whether you’d like an inpatient only plan or a more comprehensive plan with inpatient and outpatient insurance cover. But, what’s the difference between inpatient and outpatient insurance? Also, what are its coverage benefits, and why do we need it? Our article explains everything you need to know about the outpatient benefit.

What is outpatient insurance?

Private health insurance policies which include the outpatient benefit provide coverage for medical treatment that does not require hospitalization or an overnight stay at a medical facility of any sort. For example, general practitioner visits will fall under the outpatient benefit. Because of the way many health insurance plans in Hong Kong are set up, plans that cover outpatient treatment also include inpatient coverage.

On the other hand, the most basic level of health insurance sold in Hong Kong will usually be inpatient only plans. Generally speaking, inpatient only plans will cover the costs related to medical care that involve a stay at the hospital, usually you have to be admitted by a doctor. For example, an inpatient plan will typically cover surgery charges, ambulance costs, intensive care room, room and board fees, and anaesthesist charges.

As its name suggests, basic inpatient only plans won’t cover outpatient treatment, so it’s highly recommended that you include the outpatient option in your health insurance plan, especially if you and/or your family require frequent visits to the doctors. Although inpatient costs tend to be significantly higher, outpatient costs can add up over the course of the year. As such, including the outpatient insurance coverage benefit can further help offset the high cost of medical care in Hong Kong.

What does outpatient insurance cover?

Each insurance plan is different. For example, the extent of coverage under the outpatient coverage benefit can vary between the various plans and insurance providers. With this in mind, it’s definitely worth familiarizing yourself with a plan’s policy wording before purchasing it. If you’re confused with the policy wording, it can really help to talk to an experienced broker like Pacific Prime Hong Kong.

Outpatient insurance plans in Hong Kong will generally cover the following:

  • General practitioner costs
  • Specialist costs
  • Prescription medication
  • Vaccinations
  • Diagnostic tests e.g. X-rays
  • Scheduled health check-ups

What’s more, many health insurance plans with the outpatient benefit in Hong Kong also cover alternative therapies like Traditional Chinese Medicine (TCM). However, plans that do cover this may not cover all forms of TCM.

Why do we need outpatient insurance?

With outpatient insurance, you and/or your family members can visit doctors without having to worry about the high cost of medical care in Hong Kong. Securing a health insurance plan with the outpatient benefit is also especially beneficial if you often need to go to the doctors, or if you have a growing family with children who require frequent outpatient care.

Expats often prefer the private system for its attractive perks such as shorter waiting hours and superior service quality, but these do come at a steep price tag. Outpatient costs will vary depending on the treatment facility or clinic you visit, and the type of care you require.

For outpatient consultations at a private hospital, you can expect to pay around HKD 680 – 2,160 for an initial consultation, and HKD 555 – 1,420 for a follow up consultation. These costs do stack up if you visit the doctors regularly, so securing outpatient insurance can really help give you the medical care that you need without breaking the bank.

It’s important to note here that consultation fees do not include the cost of medication, prosthesis, and diagnostic services. These will be charged separately. Other outpatient costs, e.g. diagnostic tests can also be very costly. For example, a single MRI can cost up to HKD 20,000!

Looking for additional coverage?

On the look-out for further coverage benefits? If so, you may want to consider higher level, full coverage plans that offer add-on benefits such as maternity insurance, dental insurance, or vision insurance. Although more comprehensive plans will usually charge higher premiums, it can save you a great deal of money in the long run if you require an expensive procedure that is not covered by your current health insurance plan, e.g. an expensive orthodontic procedure.

It’s important to note here that add-on benefits such as the ones mentioned above often come with a waiting period, meaning that you’ll need to wait a certain duration of time from when you first purchased your insurance plan before you are eligible for receiving reimbursements on that benefit. For example, if you have maternity insurance, it will likely have a waiting period of around 10 – 12 months or more, so you’ll need to secure it before your child is conceived in order to access its benefits during the course of your pregnancy.

Do you have any more questions regarding outpatient insurance coverage or health insurance in general? Feel free to contact the advisors at Pacific Prime Hong Kong today. As insurance experts, we’re dedicated to giving you impartial advice that are specific to your healthcare needs. Alternatively, you can also get a quote with our free online quote comparison tool.

C-section deliveries in Hong Kong: information for expectant mothers

c-section pregnancy mother

Instances of c-section deliveries have been increasing around the world. The Dominican Republic ranks the highest in terms of c-section rates at 56.4%, while China tops the Asia region with 47% of its births being delivered by caesarean. While debate continues as to what an appropriate and healthy rate of c-section births is, the reason rates are rising are numerous.

Health experts point to an increasing maternal age, increased numbers of multiple births, and higher rates of obesity as the reason for the growing c-section figures. However, mother and doctor attitudes also factor into delivery decisions. Some mothers may fear birth and labour pains, doctors may err on the side of caution to avoid medical litigation, and some mothers might be encouraged to deliver on a specific date for cultural reasons.

The World Health Organization has suggested a 10-15% c-section rate as ideal for a country’s pregnancy health and wellbeing . As an expectant mother, the choice is generally up to you as to how and where you choose to deliver your baby. Pacific Prime has written this article to keep you informed about c-sections and caesarean deliveries in Hong Kong.

Why would a mother have a c-section?

While it’s generally common for a doctor to order a caesarean delivery when they deem it to be medically necessary, more and more low risk mothers are still electing to have the procedure over a vaginal birth. Medically necessary deliveries may be for where:

  • A mother’s pelvis is too small for the baby to pass through
  • The mother cannot physically go through the labor process (i.e. if there is a risk of heart attack)
  • A mother has previously had a delivery by c-section
  • There are multiple babies (twins, triplets, etc)
  • The newborn passing through the vaginal area may be put at risk (i.e. the mother has a disease that might be contracted)
  • A newborn is ill or in distress
  • Umbilical cord issues are present
  • Placenta previa is present (when the placenta covers the cervix)

Elective c-sections are a convenience decision. As previously mentioned, a caesarean birth can be an option for mothers whom the pain of a vaginal birth scares them, or where there is a need to have baby delivered before a specific date.

C-sections in Hong Kong and the customer-patient line

The rate of caesarean births in Hong Kong is 41%, the second highest in Asia. While all of the medically necessary and elective reasons hold true in the SAR as they do the rest of the world, Hong Kong also experiences a c-section boost during particular Lunar New Year periods. In 2015, the number of caesarean births surged as mothers chose to have their children born in the year of the Horse rather than the Goat.

The SCMP noted that private hospitals stood to gain from Chinese cultural beliefs based on the fact that c-sections are both more expensive and more convenient for doctors. Where a doctor overseeing a vaginal birth may have to wait on standby and spend hours ensuring a mother delivers a healthy baby, a caesarean procedure is performed at an appointed hour and charged at double or even triple the cost of a natural birth.

While it’s true that many of these mothers may be opting for an elective c-section, there is a concern that medical practitioners and their facilities may be playing too close to the “what the customer wants, the customer gets” line despite the fact that their customers are also medical patients. When money is a factor, there is sure to be an element of doctor self-interest being considered when it comes to the care of a mother and her child.

In a recently published British Medical Journal (BMJ) article, publishers examined whether private, for-profit providers were performing more caesarean sections than their non-profit counterparts. They found that the monetary incentive at for-profit facilities directly contributed to the higher rate of caesareans performed. Coupled with the implications of Chinese culture and global birthing attitudes, it’s not hard to see why c-sections are high in Hong Kong.

The cost of a c-section package in Hong Kong

Hong Kong has one of the most expensive healthcare systems in the entire world, but one that is also of a high quality. If you’re expecting, you’ll be in good hands whether you’re going through the public or private sectors of the health system. Vaginal deliveries are generally cheaper than c-sections, but if you’re having a caesarean birth then you can expect to pay the following:

Hospital Name C-section package cost (HKD)
Hong Kong Sanatorium & Hospital General ward – 24,800
Semi-private – 36,200
Private – 55,200
Canossa Hospital 6 bed ward – 33,330
Semi-private – 47,190
Private – 68,000
Deluxe – 122,540
Union Hospital Standard room – 24,500
Semi-private – 28,300
Private – 43,000
Hong Kong Baptist Hospital Standard room – 20,800
Semi-private – 34,500
Private – 49,800
Deluxe private – 55,000
Matilda International Hospital

* Charges for procedures booked between 7:30 and 19:30, Mon to Fri

Standard room – 34,100
Twin room – 46,900
Private room – 67,400

Please note that the above packages are for five day, four night stays following elective caesarean births. Other fees may or may not be included for things such as meals, anaesthetics during birth, certain newborn tests and other procedures such as circumcisions or collection of cord blood or placenta collection. It is also important to understand that doctor fees are also not inclusive in these costs and will vary from hospital to hospital

Will insurance cover an elective c-section?

As a general rule, insurance companies won’t usually cover elective surgery, meaning you will have to pay the cost of a c-section out of your own pocket. However, as the BMJ article points out, “health insurers can also encourage overprovision of c-sections as they tend to reimburse hospitals and physicians better” than they would for a vaginal delivery.

Maternity insurance is a great way to help cover the costs of a pregnancy. However, if you’re worried your plan won’t cover elective caesareans – read your policy document! If you’re planning to be pregnant sometime in the future, Pacific Prime Hong Kong would recommend looking for a plan right away – many maternity plans require a stand down period of 12 months before coverage becomes eligible.

If you have any questions about your maternity insurance plan, c-section coverage, or are looking for a brand new plan before you start your parenting journey, the expert advisers at Pacific Prime are always here to help. Their knowledgeable teams have almost 20 years’ experience with health insurance and maternity matters both in Hong Kong and globally. 

For a free quote or friendly advice, contact the team at Pacific Prime today.

Pregnancy tech: A game-changer for new parents and parents-to-be?

Pregnancy tech PPHK article

We’ve entered a golden era of pregnancy tech, where moms and moms-to-be are increasingly turning to a whole new range of consumer gadgets and tools to empower their maternity experience.

According to The Bumps Moms & Tech survey, most moms (76%) consider technology an important factor when shopping for baby products, with the majority saying that tech gives them added peace of mind.

From ovulation calculators to home ultrasound systems, this article looks at some of the most innovative and popular pregnancy tech that are making waves in the pre-pregnancy, pregnancy, and post-pregnancy market.

Pre-pregnancy tech: Helping couples conceive

With more and more people prioritizing career advancements in their 20s and early 30s, it’s not uncommon these days for people to delay parenthood until their late 30s. In fact, Hong Kong has experienced a 90% surge in the number of women giving birth at 40 years old or above.

While we all know it’s harder for women to conceive after 35 years of age, there’s now a growing number of fertility tracking apps, tools, and devices that are changing the game in the pre-pregnancy tech market by helping expectant parents, both old and young, to conceive.

Online Ovulation Calendar

Most moms will agree that one of the best ways to get pregnant faster is thorough pregnancy planning. Part of this involves figuring out the ‘fertile days’ in the expectant mom’s menstrual cycle, namely the time period when pregnancy is possible. This usually takes place mid-cycle.

Usually lasting about 5 days, the likelihood of getting pregnant increases if you have intercourse until the two days before and including the day of ovulation. At the end of the fertile period, the likelihood of getting pregnant declines rapidly, so knowing when you are fertile can really help give you the best chance of getting pregnant.

To help expectant mothers track their cycles and identify their fertile days, we’ve got a free, easy-to-use ovulation calendar now running on our maternity insurance page here.

As you can see in the image below, all you have to do is enter the date of your last period, the average length of your cycle, and indicate whether you’ve got a regular or irregular cycle. Then, with the click of a button, you will get an estimation of when your next fertile days are going to be, as well as the resulting due date. Now, all you have to do next is mark these dates down in your calendar.

Wearable fertility trackers

Another pregnancy tech gadget that is making waves in the pre-pregnancy market is wearable fertility trackers. These wearables gather and track relevant data on a woman’s ovulation cycle to give users a better idea of when they are likely to conceive. For example, the Ava bracelet is worn every night and gathers data on the user’s sleep, skin temperature, resting pulse rate, etc. to deliver effortless insight on their cycle, fertility, and health.

Pregnancy tech: From home ultrasounds to contraction trackers

From home ultrasounds to contraction trackers, parents-to-be are enjoying an increasingly vast choice of pregnancy tech that are giving them detailed information on the pregnancy and how their baby is growing. By delivering insightful data to moms-to-be, tech gadgets are empowering women to become more involved in their own care throughout the course of their pregnancy.

Home ultrasounds

Pregnancy ultrasound technology has developed at a rapid pace over the past decade, and hospitals are now able to capture 3D stills and even 4D moving images of babies in the womb. One notable trend in ultrasound technology over the last few years is the development of smaller, more powerful imaging platforms.

One such development is the Ultra Stan, a prenatal ultrasound scanner that lets parents see and hear their baby-to-be whenever and wherever they want, via its dedicated smartphone app.

Baby-bump sound systems

Some studies show that babies in the womb can hear and even react to sound from outside the womb. While there’s no definitive conclusion as to whether exposure to specific types of sound (e.g. music) has any profound effect on the baby’s development, there are a number of baby-bump sound systems out there. For example, Belly buds allows moms-to-be to play music and recorded voices to their baby in the womb.

Contraction trackers

Many women experience “false” labor pains. This is commonly referred to as Braxton Hicks contractions, and usually occurs during the third trimester. False contractions are usually weak and irregular, although sometimes it can be quite painful and some moms-to-be may not be able to tell if it’s an active labor.

This is where pregnancy wearables like Bloomlife can help. It works by tracking the frequency, duration and time between contractions so expectant parents know what’s going on and when it’s time to head to the hospital.

Post-pregnancy tech: Making life easier for parents

Caring for a newborn can be very daunting, especially for first time parents. Not only do new parents sense an overwhelming amount of responsibility, it’s also understandably difficult to care for someone whose primary mode of communication is crying and screaming. Thankfully, there are a number of pregnancy tech gadgets on the market that are making life decidedly easier for parents.

Wearable thermometers

To avoid waking up the baby or being met with flailing legs when attempting to take your newborn’s temperature the old-fashioned way, you may want to consider a wearable thermometer to scan your baby’s temperature.

Wearables like Fever Scout measures the baby’s temperature 24/7, and wirelessly sends that information to your smartphone or tablet. If it detects a fever, it will then send alerts to the parent’s phone even when it’s on sleep mode or located in another room.

Self rocking cradles

As what may be the answer to every sleep deprived parent’s dream, self rocking cradles like the SNOO Smart Sleeper helps reduce crying and boost sleep by slowly rocking to help the newborn sleep better, and responding to crying by swinging faster. The smart sleeper also plays soothing white noise, e.g. soft rain for lulling the newborn back to sleep.

Final remarks: The importance of maternity insurance

While there are indeed a growing number of pregnancy tech that are making life easier for parents and parents-to-be, to be truly prepared for welcoming a new addition to the family, maternity insurance is also highly recommended.

Private hospitals in Hong Kong are famed for their high cost of healthcare, and it’s not uncommon to see parents paying above HKD 100,000 to deliver a baby! As such, maternity insurance is essential to offset the high cost of giving birth in Hong Kong.

Please note that it is also important you secure a maternity insurance policy before you conceive, because in most cases maternity benefits come with a waiting period of around 10 months or more of paid maternity coverage before it covers pregnancy, birth and/or newborn coverage.

If you would like to know more about maternity and/or maternity insurance, be sure to contact our experts at Pacific Prime Hong Kong today! Our insurance advisors are happy to provide you with impartial advice, along with a free quote.

H7N9 bird flu: Is Hong Kong at risk of an avian influenza outbreak?

PPHK blog article on bird flu

Earlier this month, a 79 year old man from Hong Kong was admitted to hospital after being infected with H7N9 bird flu. The patient developed a high fever and cough on March 3, and later tested positive for the H7N9 strain of bird flu. This was the fifth confirmed case of imported bird flu this winter, two of which resulted in fatality.

Investigations conducted by the Hong Kong Government’s Centre for Health Protection found that the patient had travelled to Fuzhou in February, where he visited a wet market and likely came into close contact with infected poultry.

The reported number of human avian flu incidents in mainland China soared considerably this winter, where more than 480 infections have been confirmed since October, far surpassing the average number of cases of around 200 reported between 2013 to 2016. What’s equally alarming about this H7N9 strain of bird flu is that it has a high mortality rate of 41%.

Where did the H7N9 virus come from?

Bird flu has actually been around for quite a while now. The virus originated from wild birds, who then introduced it to domestic poultry (e.g. chicken) likely when they were mixed into herds after being caught. It can also spur sporadic human infections, especially among those who are often in close contact with poultry or their droppings, e.g. people who work in wet markets.

Most bird flu viruses do not cause mortality in poultry, as they are what scientists call a “low path virus”. Infected poultry with the low path version of the virus show few or minor symptoms, e.g. ruffled feathers or a drop in egg production, and in some cases have no symptoms whatsoever.

What’s worrying however is that the virus can evolve and become a high path virus, in which the virus becomes a lot more contagious and leads to high mortality. Wet markets with large, concentrated amounts of live poultry in cramped conditions (e.g. crowded into cages) make it the ideal environment for the bird flu virus to mutate and even transmit to humans.

The first outbreak of the H7N9 strain of bird flu occurred in 2013, claiming at least 492 lives to date. Most human H7N9 cases have been confined in the Pearl and Yangtze River delta areas, although infections imported from China have also been reported in Taiwan, Canada, Macau, Malaysia, and Hong Kong.

The avian flu outbreak has also been reported to have spread to Beijing and Sichuan. The aggressive nature of this flu season’s H7N9 outbreak has spurred authorities in central and southern China to shut down its live poultry markets.

What are the symptoms of H7N9 bird flu?

When the H7N9 virus infects humans, there will usually be an incubation period of about 7 to 10 days. During earlier stages of the infection, people will tend to exhibit flu-like symptoms, such as fever, cough, wheezing, sore throat, and muscle ache.

It’s highly advised that if you’re experiencing flu-like symptoms after having travelled in affected areas, you should see a doctor straight away, especially if the symptoms worsen to high fever or shortness of breath.

The most virulent forms of avian influenza can result in more serious, sometimes even life-threatening symptoms. These include: severe respiratory illness (e.g. pneumonia in both lungs), respiratory failure, multi-organ failure, blood infection, and muscle breakdown.

How do we protect ourselves from bird flu?

First and foremost, having a comprehensive private health insurance plan will help protect you from the cost of getting the medical treatment required in the event that you and/or your family get infected with bird flu. Private hospitals in Hong Kong indeed offer a very high standard of healthcare, but they are also famed for charging bank breakingly expensive medical fees. For example, an overnight stay in one of Hong Kong’s 11 private hospitals can set you back HKD 6,600!

Secondly, as people mainly catch bird flu from close contact with infected poultry, you should also avoid coming into contact with poultry and/or their droppings and stay away from high-risk places (e.g. wet markets) when travelling outside of Hong Kong. Further preventative measures include maintaining good hygiene standards, and making sure that your poultry and egg products are cooked thoroughly before you eat them. For further information, you can refer to the Centre for Health Protection’s fact sheet on the prevention of avian influenza below:

PPHK bird flu article

Source: Department of Health – Centre for Health Protection

Are certain groups of people at a higher risk of contracting bird flu?

Besides those that are often in close contact with poultry, those that are more susceptible to contracting avian flu include the elderly, young children, and people who suffer from chronic conditions that have a higher likelihood of developing complications such as pneumonia, bronchitis, and other forms of chest infection.

Are there any vaccines available to prevent H7N9 bird flu?

As of the time of writing this article, there are no vaccines available to prevent H7N9 bird flu in humans (as it’s still a relatively new virus), although a number of pharmaceutical companies and government initiatives around the world are working on developing vaccines.

Hong Kong has been placed at the forefront of avian flu research, especially after a team of researchers at the University of Hong Kong recently identified the gene mutation that allowed the H7N9 avian virus to infect humans while also being highly contagious among avian species. The findings from this study could help monitor the emergence and transmission of avian flu.

Is Hong Kong at risk of an avian influenza outbreak?

Especially after Hong Kong was hit hard by the H5N1 strain of bird flu back in 1997, the city is on high alert about the new H7N9 subtype of avian flu, and are enacting a series of precautionary measures to ensure that the city is not hit by an influenza outbreak. For example, the Centre of Health Protection has introduced a new rapid test on live poultry in wet markets.

10% of live poultry samples from Guangdong farms tested positive for the H7 virus in January, while 15.8% tested positive in Jiangsu province. Hong Kong’s geographic proximity to infected areas, as well as the high volume of traffic crossing the border, has meant that detecting infection in humans as early as possible is paramount to preventing an avian influenza outbreak.

As of now, there are no signs of sustained human-to-human transmission of the H7N9 virus this year, and most cases of avian flu have been confined to mainland China. Therefore, it is still too early to tell if Hong Kong is at risk of an avian influenza outbreak. The biggest worry here is whether the virus will mutate and gain the ability to spread easily between humans. As such, closely monitoring human infection and human-to-human transmission is crucial for public health.

Final advice

It cannot be stressed enough how important it is to obtain a comprehensive health insurance plan so that, should you require medical care, be it avian flu related or for another medical condition, you can seek protection from the high cost of private healthcare in Hong Kong or elsewhere. If you’ve got any questions about your current plan, or are on the lookout for a new policy, be sure to contact the experts at Pacific Prime Hong Kong today!

Hospital insurance: What is it, what does it cover, and why do we need it?

Hospital insurance PPHK blog

Hong Kong is famed for its world class healthcare system, which has of late gained further recognition from their number one ranking in Bloomberg’s 2016 health-care efficiency index.

When seeking healthcare you will find that both public and private hospitals in Hong Kong are modernly equipped and provide a high quality of service. That being said, the increasingly over-utilized public system has meant that more and more people are seeking the latter option for shorter waiting times, and other coveted perks such as upscale amenities that often make their healthcare experience significantly more comfortable. 

Those opting for the private hospital route in the city-state have a total of 11 private hospitals to choose from. While the perks offered in private facilities are indeed appealing to many, the bank breakingly expensive price tag attached to their services may not be so attractive. For this reason, many expats and locals alike in Hong Kong are securing hospital insurance to protect themselves from the high cost of private healthcare.

What exactly is hospital insurance, and what does it cover?

Hospital insurance, otherwise known as hospitalization insurance, is a type of medical policy that covers all or part of the policyholder’s hospital expenses.

Every insurance plan is different, and coverage benefits vary. Therefore it’s important that you study your policy to ensure that you know what you are covered for, what the coverage limits are, and that you are aware of all caveats and plan exclusions.

Generally speaking, hospital insurance plans will cover the following hospital expenses, up to the plan’s coverage limit:

  • Surgery charges
  • Ambulance
  • Room and board fees
  • Operating theatre fees
  • Surgical appliances
  • Anaesthesist charges
  • Medicines provided throughout the hospitalization period
  • Lab tests, X-rays, MRI, etc.
  • Intensive care room

Please note that hospital insurance plans typically do not cover the following:

  • Treatments that are not deemed “medically necessary”, such as elective cosmetic surgery
  • Dental services
  • Infertility treatment
  • Optical treatment

If you’re on the look-out for a more comprehensive level of coverage, you may also want to consider health insurance plans that further include cover for outpatient costs (e.g. visits to the GP), or full coverage plans that include add-on benefits such as dental, maternity, and/or optical cover.

Why do we need hospital insurance?

First and foremost, having hospital insurance will help you offset the high cost of private healthcare in Hong Kong. The cost of treatment can be about the same as what’s charged in the US, which is widely known to be the most expensive country for healthcare in the world. For example, an overnight stay at a private room can set you back by HKD 6,600, excluding other charges such as doctor’s and nurse’s fees, meals, etc.  

In most countries, hospitalization expenses also tend to be significantly costlier than other forms of medical treatment (e.g. clinic and preventative care services). This is further indicated in Aon’s Global Medical Trend Rates report, which revealed that on a global scale, the most important element of medical plan cost is hospitalization treatment.

Further, with the increased incidence of “silent”, asymptomatic diseases in Hong Kong (e.g. high blood pressure), more and more people are developing medical conditions that go on without showing any symptoms until later stages, at which point the patient will most likely require urgent and unexpected emergency medical care.

Of course, there’s also the probability of unforeseen accidents and injuries that could occur anywhere, even at home. For those without hospital insurance, these unforeseen costs can be financially devastating.

What will I need to consider when shopping around for hospital insurance?

When shopping around for hospital insurance, there are a few key factors that you will likely need to consider, some of which include the following.

Is your plan globally portable?

Do you require a local plan or an international plan? If you’re a globally mobile expat, you may find that an international health plan offers a lot more freedom than local plans, especially when considering that its coverage benefits can be enjoyed virtually in any hospital, anywhere in the world. However, if you’re spending most of your time in Hong Kong and rarely travel overseas, you may be better off with a local plan, and opt for securing travel insurance/ short-term insurance instead for protection from medical emergencies when going abroad.

Does the plan cover pre-existing conditions?

To avoid paying out on claims for medical conditions that have occurred before a policyholder secures their health insurance, many plans out there will exclude cover for pre-existing conditions. However, some insurance companies do offer options for people looking to cover their pre-existing condition. To learn more about whether a certain plan covers your pre-existing condition(s), contact one of our insurance expats at Pacific Prime today.

If you’re on the lookout for the ideal hospital insurance plan that addresses you and your family’s specific healthcare needs, be sure to contact our insurance experts, who are on hand to provide you with impartial advice, as well as free quote and plan comparisons from Hong Kong’s top insurance companies.