What is the cost of Health Insurance in Hong Kong?
I have an option to spend a year in HK as postdoctoral fellow. I would like to come with my family but university offers health insurance only form me. What would be the cost of the health insurance for my wife and children? My wife was born in 1984, daughter in 2008 and second child is due in summer. Our plans are to deliver the child in Estonia.
Health insurance plans from Hong Kong Health Insurance will calculate premiums based on a number of factors including the age of the persons to be covered under the plan, the policy’s geographical area of coverage, and the coverage benefits you would like to include on the policy.
We can provide comprehensive medical insurance options in Hong Kong which would offer coverage to your wife and children on a worldwide basis, allowing them to receive the highest levels of medical protection whether they are located in Hong Kong or Estonia. Plans we offer from 60 leading international health insurance companies are typically guaranteed renewable for life in addition to being globally portable. This means that should you leave Hong Kong after your Fellowship has been completed, your Hong Kong health insurance policy will travel with you continuing to provide the quality protection your family deserves.
Depending on your healthcare needs we can offer an extensive range of coverage options. Hong Kong health insurance coverage benefits that we can offer include:
·Inpatient Insurance Coverage
·Outpatient Insurance Coverage
·Vaccinations and Preventative Healthcare
·Dental Insurance
·Alternative Therapies
·Emergency Evacuation Coverage
We can also offer some of the most comprehensive Maternity Insurance coverage options to be found in Hong Kong. However, it is important to note that Maternity Health Insurance will typically be attached to a waiting period. This means that you must have been on the plan for a specific amount of time, usually 10 months, before you can claim for Maternity related healthcare. Maternity treatment received prior to the completion of the waiting period cannot be claimed for under the policy.
Despite this it may still be possible to cover your soon to be born child through a New Born Child coverage benefit. While a New Born Child coverage benefit will also be attached to a waiting period this is often much shorter than the waiting period associated with Maternity Coverage. In the case of a New Born Child benefit the waiting period is normally around 6 months from the start of the plan. However, this type of coverage will ensure that your child will have the healthcare protection he needs in the event that there are any medical conditions present at birth. For more on New Born Child coverage please click here.
Hong Kong is rated as the second most expensive place on earth to receive medical treatment, coming just behind the USA for average private medical costs. As you are not a Hong Kong permanent resident you are not afforded the ability to receive low cost healthcare services in the city, and obtaining treatment at a Government run public hospital will actually be as expensive as receiving care at one of Hong Kong’s best private hospitals.
Due to the high cost of healthcare in Hong Kong we strongly recommend that any foreign national in the city obtain some form of private medical insurance coverage to protect themselves against the high cost of care in the event of an unforeseen medical emergency.
For more information about the cost of Hong Kong Health Insurance plans, or to learn more about the types of cover we can provide to your family, please contact one of our expert brokers today; our consultants will be able to provide you with a complete comparison of all the appropriate health insurance options in Hong Kong. Alternatively, if you would like to receive a free quote, simply complete the short form at the top of this page.
Categories: Coverage, Maternity, Pre-existing, Family, Emergency Evacuation, in-patient, out-patient, Asia, Deductible, Premiums
Published on 2012-11-16 17:32:00