Depending on your policy, A health insurance policy will pay for private medical treatment up to certain benefit limits. It is sometimes called PMI (private medical insurance) or IPMI (international private medical insurance).  

Hong Kong is second only to the USA for private medical costs, and medical inflation shows no sign of easing anytime soon. At the same time, the Hong Kong public healthcare system is excellent; as with other places worldwide, it is under increased pressure due to an ageing population and overworked healthcare workers.  

Having an affordable health insurance in Hong Kong in place can help transfer the burden of costs if you need treatment and give you peace of mind to seek treatment if you are concerned about anything. We are all now more aware of our health and well-being, and the last thing we need is a long waiting time or lack of access to diagnostics, deterring us from seeking treatment.   

It is also essential to factor in residency and if you may move elsewhere due to employment, retirement or back onshore.  

Lifestyle Insurance works with an extensive range of local and international health insurance providers. As an independent broker, we have qualified solutions for all needs and the flexibility to move with the times in Hong Kong. Our experience means that we will only offer the best long-term solutions for our clients, not quick fixes.  

Private healthcare has lots of benefits, but they come at a cost:  

• Avoid long waiting lists for medical procedures. 
• You are receiving a faster diagnosis from specialist doctors. 
• Being able to choose the hospital, consultant and convenient appointment time. 
• You will have your own room with ensuite bathroom facilities and a menu of food to choose from when you need to stay in the hospital. 
• Access to treatments and procedures may not be available through the public system. 
• There is less of a language barrier for expatriate patients. 

Anyone who understands the benefits of good health should consider getting affordable health insurance in Hong Kong.  

When to get it?  

The earlier, the better is the quick answer, but at Lifestyle Insurance, we understand that it may not be that simple. For example, depending on your age, you may not need it as you’re still covered under your family’s policy.  

Even if you have coverage through your employer, you must check the benefits and their limits, as you may be covered for less than you think. We can arrange a top-up cover to complement your workgroup policy and give you that added peace of mind.   

The main driver of your premium will be your age, but we would also emphasize that as we get older, our health will deteriorate. If you have an adverse medical history prior to purchasing health insurance, this could be problematic as pre-existing conditions could be excluded.   

None of us have a crystal ball, but it’s essential to have adequate protection in place to guard against the unexpected. Our providers normally offer guaranteed renewability, which means they cannot take the cover away from you when you renew.

An affordable health insurance in Hong Kong has four main components, the core always being the Hospitalisation and Surgery or Inpatient benefit.  

Our solutions will allow you to tailor your coverage by adding Outpatient, Maternity, and Dental coverage, or you can decide to put coverage in place based on Hospitalisation only.  

Other variables such as deductibles, existing group coverage, co-insurance, room type, network access, and existing group medical coverage (if any) will need to be considered. You’re getting the picture!   

It’s important to discuss your needs with us, the experts. We will then provide several options to suit your needs. No two providers have identical plans or structure their coverage similarly.