{"id":1728,"date":"2018-08-20T18:17:52","date_gmt":"2018-08-20T10:17:52","guid":{"rendered":"https:\/\/www.pacificprime.hk\/blog\/?p=1728"},"modified":"2019-05-29T11:18:38","modified_gmt":"2019-05-29T03:18:38","slug":"how-can-proper-long-term-healthcare-plans-secure-your-future","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/how-can-proper-long-term-healthcare-plans-secure-your-future\/","title":{"rendered":"How can proper long term healthcare plans secure your future?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">There are a lot of things we should be proud of as Hongkongers, from the low crime rate, vibrant culture, low tax system, to the convenient traffic and the spectacular night scenery. The miracle of morphing from a small fishing village into an international metropolis is indeed something worth shouting about. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Yet, we aren\u2019t doing as great when it comes to healthcare. Our public hospitals are always on the verge of a breakdown, with ultra-long waiting lists and constantly fully occupied beds. On the other hand, our private hospitals incur medical costs unaffordable to most individuals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">While people in the last generation might not be aware of the importance of lifetime planning, we can now take a much more proactive role in protecting our future. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">In light of this, our experts at <\/span><a href=\"https:\/\/www.pacificprime.hk\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Pacific Prime Hong Kong<\/span><\/a><span style=\"font-weight: 400;\"> have curated the <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i><span style=\"font-weight: 400;\">Long Term Health Insurance Guide 2018-2019<\/span><\/i><\/a><span style=\"font-weight: 400;\"> featuring key insights and answers to some commonly asked questions on this subject including:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">How does long term health insurance affect me?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Why should I buy long term health insurance as early as possible?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Why shouldn\u2019t I switch insurers frequently to save more money?<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">What makes a proper long term health insurance plan?<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-1' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=content_banner&utm_campaign=Blog_Banner&utm_content=single\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1644\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2022\/12\/WP-Banner-revamp-final-20221207_1.-Single-final.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Individual Health Insurance Plans\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why should you plan your future medical expenses now?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">To put it in a nutshell, securing health insurance early is usually the most cost-effective and effort-saving for our clients. For detailed explanations, you can read our previous <\/span><a href=\"https:\/\/www.pacificprime.hk\/blog\/2018\/07\/23\/pacific-prime-long-term-health-insurance-guide\/\"><span style=\"font-weight: 400;\">feature<\/span><\/a><span style=\"font-weight: 400;\">, which summarises five main reasons for considering healthcare policies for the long term. These are:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Cover your healthcare costs now and in the future<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">The right coverage will move with you wherever you go<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Protect yourself from long term financial loss<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Constant access to reliable, quality healthcare<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Enjoy auxiliary coverage benefits<\/span><\/li>\n<\/ul>\n<h2><span style=\"font-weight: 400;\">What\u2019s the problem of switching insurers frequently?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">With the medical costs inflation every year, naturally the premiums go up as well. You may ask, \u201cWhy to bother to go for a long term plan, but not switching plans every year to save money?\u201d While switching insurers frequently seems to be more economical, it poses a few serious problems. Apart from the time and monetary costs involved in searching for a cheaper plan, the biggest concern lies in the <\/span><b>pre-existing conditions<\/b><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pre-existing conditions refer to any health conditions you had developed before you enrolled in a healthcare plan. When you switch insurers frequently, any conditions arisen when you were with the previous insurer will be regarded as pre-existing by the new insurer. In consequence, these conditions will be automatically excluded from coverage.<\/span><\/p>\n<h2><span style=\"font-weight: 400;\">How to identify the right long term health insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Now that you\u2019ve understood the necessity of securing a long term health policy, we can focus on ways to identify the right long term health insurance:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Benefit vs. price<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Don\u2019t purchase an insurance product just because it is cheap, \u00a0instead, make sure it covers what you need. With lower rates, insurers might in return have limited networks, worse service, low benefit limits and many exclusions. At the end of the day, it should be the quality (i.e., the scope of coverage, benefit limit, etc.) that is your biggest concern, <\/span><\/p>\n<p><span style=\"font-weight: 400;\">not the price.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Quality of customer service<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">While innumerable, customer service constitutes a big part of your consumer experience. More established insurers tend to have more resources on customer service. They can provide a faster claim process and better emergency support.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Is the insurance provider well recognized by hospitals?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">When seeking inpatient treatment, insurers will have to issue a Guarantee of Payment (GoP). It serves to ensure the hospital that they will settle the bill for the policyholders. However, less established insurers may have a poor debt history, and hospitals can choose to reject their GoP.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Who is the underwriter?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance underwriters assess the risks of the potential clients, determine the coverage, the premiums, and whether to insure them or not. Many insurance companies outsource their underwriting process. Hence, you should also consider the reputation of the underwriter to avoid potential problems further down the line, such as failing to renew your policy.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">How long has the insurer been in the market?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Larger and stabler insurers are less likely to run into profit issues, incur drastic premiums increases, or even run out of business.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Number of insured members<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">More established insurers tend to have more members, and thus a bigger risk pool to defray the costs. Generally speaking, the larger the risk pool, the more predictable the clients\u2019 premiums are.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Portability of plans<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Globally portable plans mean that you don\u2019t have to fret about healthcare protection outside of your current country of residence. Besides, these plans grant you access to top-notch medical facilities of your choice.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">Premium increases at renewal<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">It is imperative for you to look at the insurers\u2019 history of premium increase, so that you won\u2019t get caught off guard by erratic premium hikes during renewals. Read our <\/span><a href=\"https:\/\/www.pacificprime.com\/ipmi-2018\/download\/\" target=\"_blank\" rel=\"noopener noreferrer\"><i><span style=\"font-weight: 400;\">International Private Medical Insurance Inflation &#8211; 2018<\/span><\/i><\/a><span style=\"font-weight: 400;\"> for further information.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">How does the insurer increase premiums?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">In deciding your renewal premium, some less stable insurers may take the number of claims you have made into account. Opt for more prominent, and more reputable insurers to avoid this practice.<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\">\n<h3><span style=\"font-weight: 400;\">How is the broker-insurer-customer relationship?<\/span><\/h3>\n<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Insurance brokers maintain close relationships with the agents and the clients. Not only can they offer unbiased advice, but also draw upon their influence to the insurers to negotiate for the best terms for you. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Seek professional advice from Pacific Prime Hong Kong<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">A quality, long term health insurance policy can offer you lifetime protection. Since securing the right plan is so crucial, choosing and obtaining the proper insurance can be a rather daunting feat to those unfamiliar with the industry.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">With this in mind, we highly encourage you to download a free copy of <\/span><a href=\"https:\/\/www.pacificprime.com\/resources\/prime-guides\/long-term-health-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Our Guide to Obtaining Long Term Health Insurance<\/span><\/a><span style=\"font-weight: 400;\"> so that you can make a more informed decision. If you have further questions in mind, you can always contact our experts at <\/span><a href=\"https:\/\/www.pacificprime.hk\" target=\"_blank\" rel=\"noopener noreferrer\"><span style=\"font-weight: 400;\">Pacific Prime Hong Kong<\/span><\/a><span style=\"font-weight: 400;\">. With over 18+ years of experience and in-depth knowledge, our team is always on hand to offer you impartial advice, get you a free quote and plan comparison!<\/span><\/p>\n<p><span style=\"font-weight: 400;\"><div class='code-block code-block-6' style='margin: 8px 0; clear: both;'>\n<p><a href=\"https:\/\/www.pacificprime.hk\/compare-quotes\/step-one\/?campSource=PPHK-Blog&utm_source=blog&utm_medium=cta_banner&utm_campaign=Blog_Banner&utm_content=quote\" target=\"_blank\" rel=\"noopener\"><img loading=\"lazy\" decoding=\"async\" class=\"alignleft size-full wp-image-1279\" src=\"https:\/\/i0.wp.com\/www.pacificprime.hk\/blog\/wp-content\/uploads\/2019\/06\/HK-BANNER-Couple.jpg?resize=700%2C303&#038;ssl=1\" alt=\"Get a quote banner\" width=\"700\" height=\"303\" data-recalc-dims=\"1\" \/><\/a><\/p><\/div>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>There are a lot of things we should be proud of as Hongkongers, from the low crime rate, vibrant culture, low tax system, to the convenient traffic and the spectacular night scenery. The miracle of morphing from a small fishing village into an international metropolis is indeed something worth shouting about. Yet, we aren\u2019t doing &#8230;<\/p>\n","protected":false},"author":15,"featured_media":1731,"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":"Download our Guide to Obtaining Long Term Health Insurance today! Check out how long term healthcare plans can offer you lifetime protection!","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":[2],"tags":[792,791,40,313,797,990,991,1010,36,171,1011],"class_list":["post-1728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-ban_sin","tag-cta_gen","tag-health-insurance","tag-hong-kong","tag-insurance","tag-long-term-health-insurance","tag-long-term-health-insurance-guide","tag-long-term-health-insurance-guide-2018-2019","tag-pacific-prime","tag-pacific-prime-hong-kong","tag-pre-existing-conditions"],"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>How can proper long term 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