{"id":1170,"date":"2017-12-18T16:28:11","date_gmt":"2017-12-18T08:28:11","guid":{"rendered":"https:\/\/www.pacificprime.hk\/blog\/?p=1170"},"modified":"2018-02-21T12:12:13","modified_gmt":"2018-02-21T04:12:13","slug":"group-insurance-plans-cost-controls","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/","title":{"rendered":"Controlling costs a lingering issue for company group insurance plans"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">It\u2019s the time of year when companies begin making important decisions about the future of the business. Some will be faced with greater expectations, some with shrinking or static budgets. In almost 20 years of supporting employee benefits plans, we\u2019ve found that the biggest, continuing challenge for most companies\u2019 group insurance plans is controlling costs. In fact, this can often be a significant reason for why we might be talking to a business in the first place.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This week, we\u2019re discussing what drives the costs your business can pay for employee benefits, ways you can push back against increases, and what your best option for doing so is.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-4' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/insurance-plans\/business-insurance\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=company\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1280\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_4.-Business-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Company insurance banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Medical inflation an important influence on group insurance costs<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">When it comes to the biggest influence on the cost of insurance, there is no bigger driver than the costs of medical care itself. <\/span><a href=\"https:\/\/www.axapppinternational.com\/en\/personal\/expatriate-healthcare\/the-mystery-behind-medical-inflation\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Medical inflation<\/span><\/a><span style=\"font-weight: 400;\"> is impacted by a number of things, and these can include: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The cost of treatment\/medicines<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Claim trends, frequency, and history<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Demand for health services<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Health trends of service users<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Earlier this year, we released the <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2017\/download\/\" target=\"_blank\" rel=\"noopener\"><i><span style=\"font-weight: 400;\">International Private Medical Insurance Inflation Report<\/span><\/i><\/a><span style=\"font-weight: 400;\"> for 2017. The global average inflation rate of private medical insurance in 2016 was 9.2%. It also outlined what we believed to be key factors in influencing the medical inflation of international plans in key expat locations around the world. These key drivers included: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The introduction of new medical technology<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">A continued imbalance of healthcare resourcing<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Higher compensation for healthcare professionals<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Healthcare service overutilization<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">The problem is that while older drugs get cheaper, the development of more effective ones costs a lot more. A routine surgery may take less time, however surgeons are now reinvesting time and money into learning newer, better ways to heal patients. Governments might be hiring more nurses, <span style=\"background-color: #f6d5d9;\">yet\u00a0<\/span>people are increasingly making bad health choices that place them in the care of hospitals. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">All of these added costs need to be met somewhere. Insurers can be some of the first impacted by the increases and, unfortunately, these costs are often passed on to their consumers to pay for. Even holders of group insurance plans are affected; as their plans usually involve multiple lives with potential claims able to be made against them. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">No one likes ever increasing prices, though, so both insurers and brokers are keenly aware that being able to control medical inflation increases is extremely important to business and corporate clients. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Cost control measures for holders of group insurance plans<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Many businesses still have some choice available to them in order to take better control of the increases of their group health plans. If you\u2019re concerned about the rising costs of your employee benefits, consider these solutions for restructuring your benefits:<\/span><\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-full wp-image-1172\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlImg1.jpg?resize=600%2C300&#038;ssl=1\" alt=\"a woman shakes hands with a business partner after working on cost containment measures for their group insurance plans\" width=\"600\" height=\"300\" srcset=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlImg1.jpg?w=600&amp;ssl=1 600w, https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlImg1.jpg?resize=300%2C150&amp;ssl=1 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" data-recalc-dims=\"1\" \/><\/p>\n<h3><span style=\"font-weight: 400;\">Add a co-pay<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Where benefits are being frequently used, a good way to reduce your corporate premium is to introduce a co-pay with treatment. A co-pay requires a set amount be borne out-of-pocket by an individual member of a group health plan, and allows the insurer to save a bit more money on the cost of claims. For staff, a co-pay can still be preferable to having to buy their own insurance outright, as long as the amount is reasonable enough. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Removing or reviewing benefits<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some benefits are more costly than others. For example, insuring dependents through group insurance plans can often mean a significant premium increase. While employer-provided insurance that also covers family members is highly attractive, businesses should weigh up how such a benefit impacts the overall cost of their group plan. Is it necessary for you to compete with competitors and attract the talent you need?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">There may also be need to determine just how your employees are using their benefits. Some staff, especially in Hong Kong, may be more likely to use Traditional Chinese Medicine (TCM) providers when ill or sick. Covering non-Western medical practices is possible, but you may need to request this with your insurer. If your plan doesn\u2019t cover TCM practitioners, you may see less staff seek help when they need to, leading to a loss in productivity and your company paying for a Western GP benefit your staff don\u2019t use. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Self-insurance<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Some benefits, however, may just be far too rare and expensive to cover in your plan. Benefits, such as maternity, can cost a lot to include as every member must get the coverage &#8211; not just females, and those of a healthy age for giving birth. Comprehensive cancer coverage may also push your group insurance plans premium higher than you\u2019ve budgeted for. The dilemma can be where a long-term, valued staff member requires medical treatment that\u2019s not covered. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Leaving that person to fend for themselves is an option, but it might be one that sends the wrong message to the rest of your staff. The alternative can be to self-insure such situations; that is, providing the coverage for treatment yourself. This allows your company to treat such situations as a one-off, provide support and care for staff members, without paying the unnecessary increased premium for a situation that may or may not occur. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Pooling regional entities<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">For many corporates with a global presence, group insurance plans can be piecemeal, and provided separately per region. Did you know that you can save by having one insurer provide coverage for all or multiple locations? This can be a massive undertaking; it involves being aware of local insurance laws, local industry trends, balancing global and regional compensation and employee benefits expectations, and a whole host of other factors. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">That said, having the opportunity to apply plans from one employee benefits provider across multiple locations can not only make you premium cheaper, it can give your company a strong position with which to bargain and negotiate from with the insurer. This can be a challenging undertaking, but one that can provide significant benefits with a bit of consideration. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Partnering with a group insurance plans specialist<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">If increasing employee benefits costs are a concern for you and your company, you might need a better solution. Businesses can try and negotiate better cost control measures themselves but, without specific industry knowledge, it can be a challenging ask. Many of the clients we now support found cost containment a significant issue before engaging our services. So how can Pacific Prime Hong Kong help? <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Our team has almost 20 years experience in restructuring the benefits of corporate clients, helping them meet the expectations and health needs of their staff, without breaking the bank budget-wise. We do this through using in-depth data and claims analysis to spot areas where we can alleviate claims pressure (which can put the most pressure on your year-to-year premium increases). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">When it comes to negotiating, reviewing, or tendering, we\u2019re in your corner. Our focus is always on the client, as we can help you switch and roll out employee benefits packages from any of the world\u2019s top global insurers. We tailor our approach to meet your goals, and will stick with you during the year to ensure that the plan is as successful as it can be. Want to know more? Download a copy of our Corporate Brochure from our <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Guides<\/span><\/a><span style=\"font-weight: 400;\"> page.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Alternatively, <\/span><a href=\"https:\/\/www.pacificprime.hk\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact our team<\/span><\/a><span style=\"font-weight: 400;\"> today to arrangement a meeting.<\/span><\/p>\n<style type=\"text\/css\"><!--td {border: 1px solid #ccc;}br {mso-data-placement:same-cell;}--><\/style>\n<p><span data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;&quot;}\" data-sheets-userformat=\"{&quot;2&quot;:573,&quot;3&quot;:[null,0],&quot;5&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;6&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;7&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;8&quot;:{&quot;1&quot;:[{&quot;1&quot;:2,&quot;2&quot;:0,&quot;5&quot;:[null,2,0]},{&quot;1&quot;:0,&quot;2&quot;:0,&quot;3&quot;:3},{&quot;1&quot;:1,&quot;2&quot;:0,&quot;4&quot;:1}]},&quot;12&quot;:0}\"><div class='code-block code-block-7' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.com\/corporate\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=corporate\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1278\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Business.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Corporate insurance banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>It\u2019s the time of year when companies begin making important decisions about the future of the business. Some will be faced with greater expectations, some with shrinking or static budgets. In almost 20 years of supporting employee benefits plans, we\u2019ve found that the biggest, continuing challenge for most companies\u2019 group insurance plans is controlling costs. &#8230;<\/p>\n","protected":false},"author":8,"featured_media":1171,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2},"_links_to":"","_links_to_target":""},"categories":[130],"tags":[789,367,715,34,716,717,788,396,661,504,136,35,714,613,718],"class_list":["post-1170","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-group-insurance","tag-ban_cor","tag-company-insurance","tag-compensation-and-benefits","tag-corporate-insurance","tag-cost-containment","tag-cost-controls","tag-cta_cor","tag-employee-benefits","tag-employer-provided-health-insurance","tag-group-health-hk","tag-group-health-insurance","tag-group-insurance","tag-group-insurance-plans","tag-health-insurance-hong-kong","tag-insurance-cost-controls"],"jetpack_publicize_connections":[],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v23.4 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Group insurance plans: controlling the costs of employee benefits<\/title>\n<meta name=\"description\" content=\"Group insurance plans have seen medical inflation drive premium prices upwards, year-on-year. Learn how you can better control your premiums here.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Group insurance plans: controlling the costs of employee benefits\" \/>\n<meta property=\"og:description\" content=\"Group insurance plans have seen medical inflation drive premium prices upwards, year-on-year. Learn how you can better control your premiums here.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/\" \/>\n<meta property=\"og:site_name\" content=\"Pacific Prime Hong Kong&#039;s Blog\" \/>\n<meta property=\"article:published_time\" content=\"2017-12-18T08:28:11+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2018-02-21T04:12:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/i2.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1\" \/>\n\t<meta property=\"og:image:width\" content=\"600\" \/>\n\t<meta property=\"og:image:height\" content=\"300\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Luther Putu\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Luther Putu\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Group insurance plans: controlling the costs of employee benefits","description":"Group insurance plans have seen medical inflation drive premium prices upwards, year-on-year. Learn how you can better control your premiums here.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/","og_locale":"en_US","og_type":"article","og_title":"Group insurance plans: controlling the costs of employee benefits","og_description":"Group insurance plans have seen medical inflation drive premium prices upwards, year-on-year. Learn how you can better control your premiums here.","og_url":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/","og_site_name":"Pacific Prime Hong Kong&#039;s Blog","article_published_time":"2017-12-18T08:28:11+00:00","article_modified_time":"2018-02-21T04:12:13+00:00","og_image":[{"width":600,"height":300,"url":"https:\/\/i2.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1","type":"image\/jpeg"}],"author":"Luther Putu","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Luther Putu","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/","url":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/","name":"Group insurance plans: controlling the costs of employee benefits","isPartOf":{"@id":"https:\/\/www.pacificprime.hk\/blog\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/#primaryimage"},"image":{"@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1","datePublished":"2017-12-18T08:28:11+00:00","dateModified":"2018-02-21T04:12:13+00:00","author":{"@id":"https:\/\/www.pacificprime.hk\/blog\/#\/schema\/person\/3805a9125ee3dcccf9d1352999cf366b"},"description":"Group insurance plans have seen medical inflation drive premium prices upwards, year-on-year. Learn how you can better control your premiums here.","breadcrumb":{"@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/#primaryimage","url":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1","contentUrl":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1","width":600,"height":300,"caption":"a male office manager works through group insurance plans information to calculate if his company is getting the best deal"},{"@type":"BreadcrumbList","@id":"https:\/\/www.pacificprime.hk\/blog\/group-insurance-plans-cost-controls\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.pacificprime.hk\/blog\/"},{"@type":"ListItem","position":2,"name":"Controlling costs a lingering issue for company group insurance plans"}]},{"@type":"WebSite","@id":"https:\/\/www.pacificprime.hk\/blog\/#website","url":"https:\/\/www.pacificprime.hk\/blog\/","name":"Pacific Prime Hong Kong&#039;s Blog","description":"Top articles covering International Health Insurance in Hong Kong and beyond","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.pacificprime.hk\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/www.pacificprime.hk\/blog\/#\/schema\/person\/3805a9125ee3dcccf9d1352999cf366b","name":"Luther Putu","url":"https:\/\/www.pacificprime.hk\/blog\/author\/luther\/"}]}},"jetpack_featured_media_url":"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2017\/12\/20171218_PPHK_Corp3CostCtrlBanner.jpg?fit=600%2C300&ssl=1","jetpack_sharing_enabled":true,"amp_enabled":true,"_links":{"self":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/1170"}],"collection":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/comments?post=1170"}],"version-history":[{"count":3,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/1170\/revisions"}],"predecessor-version":[{"id":1299,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/posts\/1170\/revisions\/1299"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/media\/1171"}],"wp:attachment":[{"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/media?parent=1170"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/categories?post=1170"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.pacificprime.hk\/blog\/wp-json\/wp\/v2\/tags?post=1170"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}