Your Guide To Health Insurance In Hong Kong

Safeguard your health and wealth with these Hong Kong health insurance plans.

Amid rising healthcare costs and an unstable economy, the last thing we need would be for unexpected medical bills to fall on our lap. But with the right health insurance plan, this financial burden can be avoided. Whether you’re considering an all-rounded Voluntary Health Insurance Scheme (VHIS) or a more personalised plan that suits your specific health needs and budget, our guide to health insurance in Hong Kong will have you covered.

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Bupa – Comprehensive health insurance schemes

Bupa provides an extensive range of comprehensive health insurance schemes, with plans including everything from hospital benefit, clinical benefit, maternity cover, dental benefit and critical illness insurance. Popular choices include the Bupa Hero VHIS plan, a tax-deductible VHIS Flexi plan with full cover for surgical and cancer treatments and more, and the Bupa Safe Critical Illness plan, which covers up to 85 critical illnesses at different life stages.

Bupa, 2517 8560, www.bupa.com.hk

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AXA – Comprehensive and flexible medical protection

With AXA’s Medical Insurance, not only can you reimburse medical consultation, but also other medical bills including surgery, treatment and hospitalisation. For comprehensive and flexible medical protection, check out AXA’s tax-saving VHIS series which covers unknown pre-existing conditions.

AXA, various locations across Hong Kong, 2523 3061, www.axa.com.hk/en/health-insurance

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HSBC HK – All-round medical coverage

Looking for a fuss-free comprehensive medical plan? The HSBC VHIS Flexi Plan will have you fully covered for hospitalisation and surgical fees and provides all-round medical coverage (including access to quality medical care at private healthcare services) with all the basic benefits of the HSBC VHIS Standard Plan. The bank also offers specific plans covering hospital cash insurance, outpatient care, cancer care, accident insurance and more.

HSBC HK, www.hsbc.com.hk

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Prudential – Accidental and critical illness plans

Prudential’s VHIS series offers a variety of plans (Flexi, Core or VIP) to suit a range of medical needs, which ensure you are reimbursed for hospitalisation and surgery expenses, as well as treatment costs after discharge, and more. Also available are critical illness plans that guard you against ongoing serious illnesses, and three supplementary accident plans that will give you extra financial support to cover unexpected incidents.

Prudential, 3656 8362, www.prudential.com.hk

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AIA – Severity-based health protection plans

A first in the market, AIA offers a number of severity-based health protection plans that determine your claims based on the severity of your medical journey, covering every disease and injury under the sun – even new diseases that haven’t been discovered yet! You can also opt for one of AIA’s VHIS health insurance plans or choose from its more specific medical protection products.

AIA, 2232 8888, www.aia.com.hk

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Pacific Prime Hong Kong – Bespoke expat health insurance plans

Global health insurance company Pacific Prime partners with trusted insurers to bring you bespoke expat health insurance plans. Boasting over 20 years of experience, compare your options with a member of its dedicated team of 700+ expert insurance advisors and customise your policy that would match your personal needs and budget.

Pacific Prime Hong Kong, Units 1-11, 35/F, 1 Hung To Road, Kwun Tong, Kowloon, Hong Kong, 3589 0531, www.pacificprime.hk

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