{"id":792,"date":"2017-03-21T09:42:33","date_gmt":"2017-03-21T01:42:33","guid":{"rendered":"http:\/\/www.pacificprime.hk\/blog\/?p=792"},"modified":"2021-05-24T17:36:27","modified_gmt":"2021-05-24T09:36:27","slug":"hospital-insurance","status":"publish","type":"post","link":"https:\/\/www.pacificprime.hk\/blog\/hospital-insurance\/","title":{"rendered":"Hospital insurance: What is it, what does it cover, and why do we need it?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Hong Kong is famed for its world class healthcare system, which has of late gained further recognition from their number one ranking in Bloomberg\u2019s 2016 <\/span><a href=\"https:\/\/assets.bwbx.io\/images\/users\/iqjWHBFdfxIU\/iNK1THx4aD20\/v3\/-1x-1.png\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">health-care efficiency index<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">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 <\/span><a href=\"http:\/\/www.scmp.com\/news\/hong-kong\/health-environment\/article\/1922697\/hong-kong-hospital-crisis-overcapacity-overworked\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">over-utilized public system<\/span><\/a><span style=\"font-weight: 400;\"> 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.\u00a0<\/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-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<p><span style=\"font-weight: 400;\">Those opting for the private hospital route in the city-state have a total of <\/span><a href=\"http:\/\/www.privatehospitals.org.hk\/en\/listofhospital.htm\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">11 private hospitals<\/span><\/a><span style=\"font-weight: 400;\"> 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. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What exactly is hospital insurance, and what does it cover? <\/span><\/h2>\n<p><span style=\"font-weight: 400;\">Hospital insurance, otherwise known as <a href=\"https:\/\/www.pacificprime.hk\/health-insurance-plans\/hong-kong-hospital-insurance\/\">hospitalization insurance<\/a>, is a type of medical policy that covers all or part of the policyholder\u2019s hospital expenses.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Every insurance plan is different, and coverage benefits vary. Therefore it\u2019s 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. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Generally speaking, hospital insurance plans will cover the following hospital expenses, up to the plan\u2019s coverage limit: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Surgery charges<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Ambulance<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Room and board fees<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Operating theatre fees<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Surgical appliances<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Anaesthesist charges<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Medicines provided throughout the hospitalization period<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Lab tests, X-rays, MRI, etc.<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Intensive care room<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Please note that hospital insurance plans typically <\/span><b>do not<\/b><span style=\"font-weight: 400;\"> cover the following: <\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Treatments that are not deemed \u201cmedically necessary\u201d, such as elective cosmetic surgery<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Dental services<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Infertility treatment<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Optical treatment<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">If you\u2019re on the look-out for a more comprehensive level of coverage, you may also want to consider <\/span><a href=\"https:\/\/www.pacificprime.hk\/health-insurance-plans\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">health insurance plans<\/span><\/a><span style=\"font-weight: 400;\"> 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. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">Why do we need hospital insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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\u2019s 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\u2019s and nurse\u2019s fees, meals, etc. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">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\u2019s <\/span><a href=\"http:\/\/www.aon.com\/attachments\/human-capital-consulting\/2017_GB_Trends_brochure_20170105.pdf\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Global Medical Trend Rates<\/span><\/a><span style=\"font-weight: 400;\"> report, which revealed that on a global scale, the most important element of medical plan cost is hospitalization treatment.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Further, with the increased incidence of \u201csilent\u201d, asymptomatic diseases in Hong Kong (e.g. <\/span><a href=\"http:\/\/www.chp.gov.hk\/en\/content\/9\/25\/35390.html\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">high blood pressure<\/span><\/a><span style=\"font-weight: 400;\">), 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 <\/span><a href=\"http:\/\/www.pacificprime.hk\/blog\/2016\/12\/19\/medical-emergency\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">emergency medical care<\/span><\/a><span style=\"font-weight: 400;\">. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Of course, there\u2019s 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. <\/span><\/p>\n<h2><span style=\"font-weight: 400;\">What will I need to consider when shopping around for hospital insurance?<\/span><\/h2>\n<p><span style=\"font-weight: 400;\">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.<\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Is your plan globally portable?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Do you require a local plan or an international plan? If you\u2019re a globally mobile expat, you may find that an <a href=\"https:\/\/www.pacificprime.hk\/health-insurance-plans\/international-health-insurance-hong-kong\/\">international health plan<\/a> 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\u2019re 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. <\/span><\/p>\n<h3><span style=\"font-weight: 400;\">Does the plan cover pre-existing conditions?<\/span><\/h3>\n<p><span style=\"font-weight: 400;\">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. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you\u2019re on the lookout for the ideal hospital insurance plan that addresses you and your family\u2019s specific healthcare needs, be sure to <\/span><a href=\"https:\/\/www.pacificprime.hk\/contact-us\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">contact our insurance experts<\/span><\/a><span style=\"font-weight: 400;\">, who are on hand to provide you with impartial advice, as well as free quote and plan comparisons from Hong Kong\u2019s top insurance companies.<\/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-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>Hong Kong is famed for its world class healthcare system, which has of late gained further recognition from their number one ranking in Bloomberg\u2019s 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 &#8230;<\/p>\n","protected":false},"author":7,"featured_media":794,"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":true,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Hospital insurance: What is it, what does it cover, and why do we need 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