Combating the harmful health risks of air pollution in Hong Kong

Combating the harmful health risks of air pollution in Hong Kong

Those of you who ventured outdoors over the weekend, particularly in urban areas, may have noticed the deterioration in air quality as smog from the mainland started blanketing the city on Sunday, January 8. The latest Air Quality Health Index (AQHI) recorded in Hong Kong have shown air quality figures reach the “Very High” health risk category in Tung Chung, Tuen Mun, Yuen Long, Tsuen Wan and Causeway Bay, areas in which high levels of Particulate Matter (PM) 2.5 were present.

According to the Hong Kong Observatory, it is expected that pollution levels will remain high within the next few days. In light of the recent high pollution levels recorded within the city, this article sheds light on the health risks posed by air pollution and the things you can do combat its harmful health effects.

What are the health risks posed by air pollution?

Numerous scientific studies have linked the size of air particles to the potential of causing various health-related problems. High levels of toxic PM2.5 – particles that are 2.5 microns or less in width – are small enough to travel deep into the lungs, and it’s these fine particulate matter that has been linked to a whole host of short and long term health effects.

Certain groups of people, such as the elderly, are more susceptible to the health risks posed by air pollutants than others. For example, a joint study by the University of Hong Kong and the University of Birmingham has revealed that every 10 micrograms per cubic metre of increased exposure to PM2.5 increased the risk of elderly Hong Kongers dying from cancer of the upper digestive tract by 42%, and increased the risk of dying from liver, bile duct, gallbladder, and pancreatic cancer by 35%. Young children, pregnant women, and people with lung disease are also considered more vulnerable to the health risks of air pollution.

Short term health effects

The short term, temporary effects of exposure to high levels of air pollution include the following:

  • Itchy eyes, skin, nose, and throat
  • Headaches and dizziness
  • Illnesses such as pneumonia or bronchitis
  • Shortness of breath
  • Wheezing
  • Coughing and sneezing

Long-term health effects

Long-term effects of air pollution can last for several years up to an entire lifetime, and can even lead to death. According to the WHO, non-communicable diseases (diseases that progress slowly and tend to last a long time) caused by environmental risks, mostly attributable to air pollution, amount to 8.2 million deaths each year. Some of these harmful health effects include:

  • Respiratory conditions such as asthma
  • Heart disease
  • Several types of cancer, e.g. lung cancer
  • Some scientists believe air pollutants causes birth defects

With such a wide range of harmful health effects caused by air pollution, it’s therefore important that you are aware of the things you can do to prevent these health risks.

What can you do to combat these harmful health risks?

Below are the top 3 things you can do to combat the harmful health risks of air pollution in Hong Kong:

Reduce your time outdoors

Checking your area’s real-time AQI will help keep you informed on current and forecasted air quality levels, so that you are aware of areas to avoid (if possible) or reduce your time outdoors. Avoiding high pollution areas such as heavily trafficked roads can significantly lower your exposure to air pollutants, and this tip is especially important for people who are particularly susceptible to health risks posed by air pollution. If you’re working in areas with high pollution levels, you may want to travel to work a little earlier to avoid rush hour traffic pollution. When exercising outdoors, try finding a quiet park or somewhere further away from the main roadways.

Wear an air pollution mask

Sometimes, it’s hard to avoid walking near heavily trafficked roads and highly polluted areas. Wearing a mask can help reduce your exposure to harmful air pollutants by filtering out harmful PM2.5, but choosing the right type of mask is very important here. For example, wearing a simple cotton mask does not offer much protection at all, especially when it doesn’t fit on the face properly – this could lead to a false sense of security and exposure to higher levels of pollutants from even more time spent outdoors.

If you’re on the lookout for a mask that actually works, try finding one with a high anti-haze index. Most masks follow standards set by the U.S. National Institute for Occupational Safety and Health to indicate the amount of particulate matter filtered out – the higher the number, the better. For example, an N95 mask will filter out 95% of particulate matter.

Set your car fan on re-circulate mode

If you’re driving in car traffic, set your car fan on re-circulate so that you don’t draw in the outside air pollution to you and your passengers. Activating this setting alone can cut pollution concentrations inside your car by 20%. Also try closing your car windows on busy roads, as this can significantly reduce air infiltration rates from outside your car.

Seeking healthcare in Hong Kong

While there are indeed a number of health risks posed by high levels of air pollution, Hong Kong has one of the most advanced healthcare systems in the world and there are a myriad of health care options available here should you require treatment

One important thing to note is that medical care is not cheap in Hong Kong, with in-patient care at a private hospital costing an average of HKD $5,640 per day. This is why it’s essential to secure health insurance to offset these high costs. To learn more about your health insurance options, contact our insurance advisors at Pacific Prime today.

New report focusing on medical insurance inflation released

Cover of the IPMI report

2017 is finally here, and to help usher in the new year in style, Pacific Prime is pleased to announce that we have released our latest report. Titled: International Private Medical Insurance Inflation – 2017 and available to download for FREE from our website, this report focuses on, as the title suggests, inflation of private medical insurance premiums.  

Continue Reading…

Choosing a gym membership for the New Year

gym membership hong kong

New Year’s is always a time for resolutions, and one of the resolutions that always seems to be popular is a commitment to getting physically fit. In Hong Kong, space for a home gym is more than a little difficult to come by, the air outside isn’t always accommodating to outdoor exercise, and sometimes sports just aren’t for everyone. So where’s the one place we all think of when it comes to getting fit?

Hong Kong has a number of gyms available for those looking to sign up. You’ve got your choice of government or commercial gyms, specialized-fitness centers and training groups all around the SAR, it’s just a matter of figuring out which one is right for you. Before you make a choice this year, take a read of our tips to choosing a gym in Hong Kong and be confident before you take up a gym membership.

Before you start: know what you want to achieve

Are you a bit overweight and looking to lose a bit of the excess around your body, or are you moderately active and wanting to train for a specific purpose or event later in the year? Being clear with what you expect to achieve can really help you shape your expectations of what your gym visits should be for. If you’re aiming to run a marathon, a weightlifting focused gym isn’t going to be as efficient to you as it would be a bodybuilder.

As well your goals, you should also keep in mind things like cost, frequency and access. You don’t want to be paying through the roof for a stylish gym if all you’re doing is running on a treadmill, and you don’t want to sign up to a gym only to find that it’s operating hours don’t work at all with your work and personal commitments. If it helps, write a list of what you need and what you want before you go visiting gyms.

LCSD government gym membership

For those of you holding Hong Kong ID cards, you’ll have the ability to access the LCSD government provided fitness rooms. These are by far the cheapest options available for those wanting to join a gym, the normal rate costing $14 per session or $180 for a monthly access to the fitness rooms. There’s unlikely to be a better deal available in Hong Kong, but the process for signing up can be a bit involved.

Enrollment requires that you book into a 3-hour Briefing on Proper Ways to Use Fitness Equipment course that is generally in high demand. You can sign up online and it pays to be quick as spots fill fast. Anecdotally, some gym goers have claimed that you can turn up to a course unregistered and fill any spots left unattended by people that don’t show. There are more than 70 gyms around Hong Kong, so finding one shouldn’t be a problem.

The equipment and state of the facilities can vary, so it may pay to check out the fitness rooms in the areas you intend to use them before you sign up to a course.

Commercial gym membership

Hong Kong is also host to a number of big chain commercial fitness centers. What is available in your area is simply a Google search away, but what you can generally expect from larger commercial gyms are:

  • Dedicated cardio and weight training areas
  • Locker rooms and shower areas

Some gyms will offer you extra benefits as part of your membership, or at an extra cost to use each time, such as:

  • Fitness classes (including yoga, aerobics, and dance classes)
  • Access to personal trainers and training sessions
  • Nutritionists or dietitians

The best way to assess whether or not a gym is right for you is to ask for a tour! Most chain gyms will assign a trainer to you and may even take you through a body analysis session (measuring height, weight and body composition),  as well as showing you the facilities available. Be sure to ask questions about access to equipment as some may restrict access to gear to personal trainer-led sessions only.

Remember that a tour is not a commitment to purchasing a membership, so don’t feel obligated to sign up once they’ve shown you around. If you leave your details with the sales staff, they’ll sure as day be in touch with you to ensure you’re still interested in their facility, and you can always go back to them if you’ve decided they’re the one for you.

Local, independent gyms

In some of the more remote suburbs of Hong Kong you will find small, independent gyms that generally offer a more no frills experience that may or may not have the facilities and equipment you need. Most will have weights equipment available, some will have cardio machines but generally you can expect these gyms to cater to people who either know what they’re doing, or are happy to train without assistance from a personal trainer.

These places can be much more affordable than your larger, commercial places but may often limit you to certain types of workouts or require that you do exercise such as cardio elsewhere. For those who are familiar with working out at a gym, these places can be a great option.

Specialist Fitness Centers

As an alternative to workout focused gyms, there are plenty of fitness centers that specialize in specific physical activities that can also give you the exercise you need to keep fit. In Hong Kong, martial arts clubs are popular with both expats and locals alike with a wide variety of disciplines for you to choose from:

  • Chinese kung fu
  • Tai chi
  • Muay thai boxing
  • Boxing
  • Taekwondo
  • Jiu Jitsu and Brazilian Jiu Jitsu
  • Karate

If martial arts is not your thing, then you might want to try alternative group fitness classes around Hong Kong. You’ll be familiar with things like Crossfit and bootcamp classes, but if you’re looking for something different why not try:

  • Aerial arts and pole dancing fitness
  • Lagree fitness
  • Underwater spin cycling classes
  • Les Mills Bodypump classes

There really is something for everyone in Hong Kong and all it takes is a little searching to find the right activity to meet your exercise goals!

Things to look out for during your visit

As you visit a gym or centre, take note of what you can see. There’ll obviously be some things that stick out to you, like the age and quality of the equipment, but also take note of things like the hygiene of the gym (both in the workout areas, and in the locker/shower rooms), the friendliness of the staff, and the attitudes of the people there. Most gyms are full of people wanting to get fit like you do, but always keep an eye out for some bad eggs.

More specifically, women may want to workout in facilities where they don’t feel intimidated or threatened by stronger male populations – that’s completely normal. Some gyms may offer a women’s section for female members or there are female only gyms that don’t admit male members. It’s important for all people to feel safe while working out, so there are a number of places available for women.

Tips when signing up

When it comes time to join a gym, there are a few things to consider before you sign on the dotted line. Every place will likely have a deal they can offer, but think about whether or not you’re being offered these benefits with your membership:

  • Free trial period: Some gyms will offer you a free trial period to try out their facilities before you become a paid member.
  • Free months: If you sign up for 12 months, you may be offered 3 free months. Sign up for 24 and you may get more. Don’t be confused if they try to spread your 12 month fee over 15 months to make it seem cheaper.
  • Free towel service: For gyms that have showering facilities, some may offer you the use of a towel for free where some may charge extra either on top of your monthly or annual fee, or each time you use it.
  • Class Fees: Gyms that offer fitness classes within their facilities may do so at an extra charge. Find out how much they are, and whether or not you get a number of free classes a month.
  • Personal Trainer Sessions: You may get the offer of a free personal training session with your membership. It can be great for getting you started, however you may need to pay for future sessions to ensure you’re making progress.
  • Payment Fees: Some gyms may charge you an extra fee to pay by credit card, to set up a monthly instalment arrangement (separate to any bank charges you may incur), and some may offer you a discount if you pay the whole contract fee in one go.

As with anything, it pays to shop around and see what deals and offers are out there for you. Never feel obligated to join a gym once you’ve had a tour, and always ask questions if you’re unsure. Gym contracts can be tricky to terminate if you find you’ve made a bad choice, and paying for a service you then don’t use can be a huge waste of money.

Exercise safely, get your health covered

It’s a new year and you’re maybe looking at the beginning of a new you; but with any form of exercise comes a risk of injury. This time of year can also be a good time for checking your health insurance coverage to make sure that it still meets your needs. If you’re going to be taking up a new fitness regime, check your policy to ensure that any injury you might have can be covered by your healthcare plan.

If you’re looking for new insurance, or you’re not sure about how well your current coverage will help you in the new year, why not give our Pacific Prime Hong Kong experts a call? Our insurance advisors have years of experience and access to the best plans to help you kick 2017 off with a fresh start!

Preparing for any medical emergency in Hong Kong

Medical emergency bracelet

The holiday season is upon us, this also means that influenza season is also here. You likely have noticed the number of people sniffing, sneezing, coughing, and generally looking unwell has increased in recent weeks, you may have even come down with the cold or flu yourself. While many of us start to feel better after a few days there is always the chance that you may need to see a doctor or worse, be sick enough to warrant a trip to the Emergency department. As health emergencies can happen at any time, it is important to be prepared with not only a health insurance plan that can cover the cost of emergency care but also an idea of what to do and how to prepare for a medical emergency.

 

Preparing for a medical emergency

In Hong Kong there are a number of steps you can take to prepare you or your family for a medical emergency in the city. Here are seven of the most important steps.

 

1. Secure health insurance

The price of medical care in the city can be extremely expensive, especially if you visit the private hospitals where some procedures can cost about the same as those in the US. In a medical emergency, the last thing you want to be worrying about is how you are going to cover the costs, having the best health insurance plan in place before any emergency can and will help offset the costs of care.

2. Know what your plan does and doesn’t cover and whether you have a dedicated/preferred provider network

A wide variety of health insurance plans are available in Hong Kong. Some plans only cover care in the city, while others will cover care internationally. Beyond that, you will also have different levels of coverage with different plans. For example, some plans will only cover care where you are admitted to hospital by a doctor (inpatient care) while other plans will also cover care received at clinics or outpatient wards at the private hospitals.

Regardless of the type of plan or the location of coverage you are likely going to have coverage limits in place for different types of care. These limits are either dollar amounts set on a yearly or lifetime basis and are the maximum amount your insurer will cover; or a set number of treatments you can receive in a year/life of the plan for a specific ailment. You are going to have to pay out of pocket for any amount that goes over the limit.

This is particularly important if you have a plan with local coverage only and you go to a private hospital for care. Some plans have limits low enough where you might reach them within 1-2 visits to a private hospital which could result in you paying fairly costly medical bills out of pocket.

If you know the limits of your plan, and what is/isn’t covered you can better prepare for a medical emergency. For example, if you know you are close to your plan’s coverage limit, you may want to consider visiting the public sector (especially if you have an HKID card), or consider securing better health insurance coverage.

Beyond that, many insurers also have direct billing or preferred care networks. These are groups of doctors and hospitals who have agreed to bill insurers directly for care you receive meaning you likely won’t have to pay any money when you receive care (as long as the cost is within plan limits/covered by your plan). If you know where the nearest A&E department that is part of your network is located you could see yourself receiving care quicker.

3. Have important insurance and contact information close at hand

All insurers should issue you with a card when you secure coverage. This card will have important information such as your coverage limits, any restrictions, and important contact details including a hotline you can call to start a claim or if there is an emergency.

It would be a good idea to keep this card in your wallet as should there be a serious medical emergency where you are unresponsive/unable to respond, A&E staff are trained to look for these cards. When they find them, many hospitals will contact your insurer to start the billing process.  

Some people will also put important contact information e.g., their spouse’s phone number in the same location, which could help hospital staff know who to contact.

And of course, if you believe you need an ambulance you can dial 999. This should be done only in a true medical emergency, however. If you are still ambulatory or are able to move, it might be better to try to get into a taxi or get a friend to drive you to the hospital.

4. Know where the nearest emergency/A&E department is

It is important to know that not all hospitals in Hong Kong have emergency departments that operate 24 hours. In fact, most of the private hospitals will actually send critical patients and those in serious need of care to the public hospital A&E departments during off hours.

To be clear here, many of the private hospitals do operate 24-hour outpatient clinics meaning you can receive care at any time, however, if there is a medical emergency they may not be equipped to treat you and will send you to a public A&E department.

This means it would be a good idea to be aware of the where the nearest emergency department is to locations you frequent. Luckily, the Hospital Authority keeps a list of all emergency departments in Hong Kong, so try looking there when you are searching for the nearest hospitals.

We should point out here that if you do need to call 999 for an ambulance, you will not be able to pick which hospital you are taken to. Instead, they will take you to the nearest A&E department.

5. Plan where to go if your child is sick

It is important to note that not every hospital in Hong Kong is equipped to effectively treat children, especially if there is an emergency. For example, there might only be one or two pediatricians on staff at one time, or the hospital might not have equipment available to treat a specific medical emergency.

It is therefore recommended to discuss with your regular pediatrician before any emergency happens. They should be able to recommend the best place to take your child.  

6. Know what to do in a medical emergency

This is likely the most important step as a medical emergency can be incredibly stressful to deal with, especially if you are unsure what to do. Generally speaking, there are 4 important steps to take during an emergency:

 

  1. Know whether you should call an ambulance or get to the hospital in another manner – The ambulance can be a life saver, however health experts all agree that it should only be called in an emergency. If you have a hurt tooth, a cold, etc. it would probably not be a good idea to call an ambulance. Instead, try taking a taxi to the hospital.
  2. Contact your insurer or Pacific Prime – This is an optional step, of course. However, if you are able to, calling Pacific Prime or your insurer while you are on the way to the hospital would be a good idea. The reason for this is we can help start the billing process meaning you might be able to see a doctor quicker. Also, some insurers will be able to recommend a hospital that might be better suited to help/offers direct billing meaning you won’t have to pay for care if it’s covered.
  3. Receive treatment – If you can’t reach your insurer or Pacific Prime, don’t worry. Go ahead and receive treatment, you can deal with claims after you have seen a doctor. Just be sure to have your insurance card with you so the hospital staff know who to contact.
  4. Have the hospital contact your insurer – This is usually done automatically when you sign into the hospital, but it would be a good idea to check to make sure it is being done. This way the relevant paperwork and billing can be started without you having to chase it up later.

7. Make an emergency plan

While we hope you will never have to use one, having an emergency plan in writing or at least thought out can be a big help should there actually be a medical emergency. For example, knowing who to call, when to call an ambulance, where the nearest hospitals with A&E departments are, where your insurance information is kept, etc. can make actually receiving care a lot less stressful.

Interestingly, if you combine the information from the first six steps together, you should have the basis of a solid emergency plan in place.

 

One important thing to be aware of

Like all care in Hong Kong, there is a fee associated with visiting the emergency department. As of the writing of this article in late December 2016, the charge for a visit to an A&E department for people with an HKID card was HKD 100. That said, there has been recent news that the hospitals have all agreed to increase the fee to HKD 220. This is a fairly substantial jump, one that many believe to be warranted.

That said, the government still has to approve the jump in price, but it is a good thing to be aware of and follow should you think you will need to receive emergency medical care in the near future. Of course, all health insurance plans will cover this fee, but if you say forgot your insurance card or are unable to contact your insurer you may be required to pay this fee. This means it would be a good idea to ensure you have at least HKD 220 on you.

In the meantime, if you are looking for health insurance coverage, why not contact our Hong Kong-based insurance agents. They can help you identify a plan that will see all of your healthcare needs covered including emergency care. Talk to them today.  

Sleep deprivation: How not sleeping enough is running you down

Hong Kong Girl Sleep Deprivation

If you’re looking for a way to improve your health, getting enough sleep would be an obvious place to start. Actually getting enough sleep, however, is something many people struggle with around the world, and the non-stop city of Hong Kong can be just as bad! We all know that sleep deprivation can lead us to be groggy, slow, and leave us feeling poorly, but did you know that it can seriously affect both your productivity and life expectancy?

In this article, Pacific Prime Hong Kong explains what science has to say about getting a healthier sleep, what the challenges are for busy people in the S.A.R, and how to change a few things so that we’re getting a bit more shut-eye than we have been before.

The science of a good night’s sleep

When we think of sleep, we generally consider that our body and our mind are tired and need to be “shut down” in order to recover. However, science actually tells us that our body does the opposite. Instead of turning off as we sleep, our brains are said to use this time to process and store the memories and experiences we had during the day, moving them from our tentative, short term memory to the stronger, long term sections of our brain.

A quality sleep also helps the health of our bodies, as well as our minds. During what’s sometimes referred to as a “restorative stage” of sleep, our blood pressure drops, breathing slows down, blood flow moves to the muscles, and our body’s tissues start to repair themselves. Hormones, such as the human growth hormone, are also secreted – helping to regulate muscle and bone growth, sugar and fat metabolism, and potentially heart functions.

So while we actually think we’re “switching off” during our sleep, our body remains highly active in processing information, repairing itself and re-energizing for the next day. Scientists refer to a lack of sleep as “sleep deprivation”, and may sometimes discuss the amount of sleep lost as “sleep debt”. According to medical evidence, every adult should be getting between 7 to 9 hours of sleep a night, but we’re rarely getting that these days.

Hong Kong: The city that never sleeps

It’s a common saying that we’re often quite proud of: “Hong Kong is a city that never sleeps”. However, we’re doing so at the cost of our own health. What used to be a description of a bustling, humming city that pulses with life at all hours of the day, has now become a self-fulfilling prophecy, as an estimated 2.2 million people could be classed as having insomnia.

In 2003, a Hong Kong University study found that 92% of local working-age people in Hong Kong were sleep deprived, with nearly 50% of survey respondents indicating these bad sleeping habits were long term. A high percentage of people in Hong Kong (39%) were found to be going to bed between 11pm-12am, with a lot more (41%) waking up between 6-7am.

More than ten years later, the picture is no different. A recent study showed that Hong Kong had the worst rank in Asia for having a sleep deprived nation and one of the biggest factors keeping us awake: the internet. People were said to be spending on average 3.7 hours online outside of work purposes, something survey company Intuit Research explains is often at the cost of time for sleep and exercise.

The other costs of sleep deprivation

Failing to get enough sleep harms more than just our health, as it often affects our communities and our productivity at work and school. Sleep deprivation was identified by the US National Highway Traffic Safety Administration as being a factor in 100,000 vehicle crashes, and 1,550 crash-related deaths. In Hong Kong, a taxi driver was suspected of falling asleep at the wheel in an incident that killed two maintenance workers earlier this year.

Similarly, those suffering from sleep issues such as insomnia and sleep apnea are more likely to be a drag on productivity in the workplace. Not-for-profit researcher Rand Europe found that a lack of sleep in the US is costing the economy up to US $411 billion a year, which is 2.28% of its GDP. Hong Kong doesn’t quite register as a leader in economic loss due to lack of sleep, the top five include the US, Japan (US $138 billion), Germany (US $60 billion), the UK (US $50 billion), and Canada (US $21.4 billion).

Closer to home, the Caritas Youth and Community Service released a study on Children’s Day that found about one in three Hong Kong pupils lack adequate sleep. Developmental-behavioral pediatric doctor Fanny Lam Wai-fan said that children aged five to 12 need 10 to 11 hours sleep every day, yet 34.8% of young people slept for an average of six hours.

The concern to education and health experts alike is that poor sleeping habits leave youngsters with a much lower ability to be creative in school, something that many have commented needs more prominence in Hong Kong. Children who lack confidence in their own creative ability are also thought to be less happy and content with their school and home lives.

Getting better sleep

If you’ve been struggling to get healthier sleep, or you’re just feeling a bit sluggish or worn out, then following some or all of these tips can help:

  • Sticking to a schedule: Setting a time for when you’re supposed to go to sleep and sticking to it can help a lot. Your body becomes familiar with your consistent routine for sleep and should help you fall asleep easier.
  • Making a bedtime ritual: Creating a pattern of activities you do when you’re about to go to bed can also help. Having a nice hot bath or shower, reading a book or listening to some relaxing music can help your body and mind wind down from the day before you fall asleep.
  • Turn off the devices: Whether it’s your smartphone, tablet, or even a handheld game machine, make sure it’s off and put away out of reach before you go to bed. Don’t be tempted to check back in on the internet before you shut your eyes!
  • Be active early: Aside from being a great health option in itself, exercising can help your body spend its energy – but don’t exercise too late! Activity can stimulate the stress hormone cortisol, which activates the alert mechanism in the brain. Try to finish all exercise at least three hours before bed.
  • Have a healthy diet: Again, eating well is a no-brainer for its health benefits but eating lighter dinner meals, and healthier foods, helps your body sleep better. Try not to eat too close to bedtime and, if you do wake up hungry, try drinking water or eating foods that don’t cause indigestion (e.g. dairy products).

Those of you who might still be finding it difficult to sleep may be suffering from a sleeping disorder and should seek specialist assistance.

Will my insurance cover me for sleep-related disorders?

Most sleep-related studies and tests will be considered an outpatient procedure, meaning you’ll likely need outpatient coverage in order to make a claim for any such tests. Not all insurers will include sleep disorders in their outpatient care so if you’re unsure your best bet is to either check your policy, or contact your insurance provider to find out more.

Those of you who do not have health insurance and would like to discuss care options related to sleep disorders, don’t hesitate to contact a broker like Pacific Prime Hong Kong. Our experts have been assisting expats around Asia and the world with their health insurance needs for over 15 years. To find out more about insurance coverage for sleep disorders, or for a free quote, contact Pacific Prime Hong Kong today!