There is no single best plan, because the right choice depends on your age, budget, family, health history and where you want treatment. An independent broker compares plans from several insurers against those factors. Read our 2026 guide to health insurance for expats in Hong Kong.

No. Hong Kong law does not require you to hold private health insurance. Public care can still cost a lot if you are not an eligible person. The Hospital Authority charges non-eligible persons HK$2,100 per A&E attendance and HK$7,400 per day in a general hospital, from 1 January 2026. Hong Kong ID card holders are generally eligible persons and pay lower subsidised rates.

Local plans usually cover treatment in Hong Kong. International plans can also cover treatment in other countries and usually cost more. Before you choose, check the geographic cover, the annual limit, the room type and which private hospitals you can use.

Sometimes. Insurers usually exclude a known condition, charge a higher premium or decline the application, so always disclose your full history. A broker can approach several insurers for you.

A broker acts for you and compares plans from several insurers. A tied agent sells products from one insurer. Our guide lists 9 questions to ask your health insurance broker before you commit.

Call +852 2970 4543, email info@lfsinsurance.com or contact us online. Our office is at 15/F, Skyway Centre, 23 Queen’s Road West, Sheung Wan, open Monday to Friday, 09:00 to 18:00.