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If you’re looking for dental coverage while you are in Hong Kong, your most likely option is a dental add-on for your existing health insurance plan. A stand-alone dental insurance plan is rare in Hong Kong, and dental care is not a part of Hong Kong’s public health insurance package.
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It is prudent to secure coverage for dental care. After all, they usually come with a large price tag. This guide will provide you with what to know about dental care and dental insurance options in Hong Kong. Read on or start exploring your insurance options in Hong Kong now.
Dental Insurance in Hong Kong
Dental care is not covered by the public health insurance in Hong Kong. If you’re looking to get your oral health covered, your best bet would be a dental add-on for your existing health insurance policy.
Dental care rarely exists as a stand-alone policy in Hong Kong. Most are offered as an add-on to your existing insurance plan or as a part of a larger health insurance plan at a higher premium.
Check out what Top 10 Insurance Companies in Hong Kong for Expats are providing in their plans.
When choosing your dental plan, it is important to note the levels of dental coverage insurance companies usually provide: routine dental treatment and major dental treatment. We will talk about both of them in the following section.
Major Types of Dental Insurance Plan
Insurance companies usually provide two types of dental plans for expats: routine dental treatment and major dental treatment. One will involve more of your day-to-day dental concerns, while the other covers more extensive procedures, like medically-required orthodontics.
If you’re looking for a plan to cover your day-to-day dental care and maybe simple consultations, a routine dental plan is what you are looking for.
Routine dental treatment plans usually provide coverage for:
- Routine teeth cleaning
- Dental check-ups
- Consultations
- Simple fillings
- Tooth extraction
- Root canals
- X-rays
- Emergency operations
On the other hand, if major dental procedures like oral surgery, dental implants, or orthodontic procedures are what concerns you, you might want to look for a major dental treatment plan.
Major dental treatment plans usually provide coverage such as:
- Wisdom teeth removal
- Orthodontic treatment (e.g., braces)
- Bridgework and repairs
- Gingivitis and periodontitis treatment
- Denture repair and replacement
- Membrane treatment and root scaling
Securing a dental insurance plan or a dental insurance add-on to your existing insurance plan can be a prudent decision as dental service in Hong Kong is usually provided by private dentists, and prices can vary greatly.
Fillings can cost anywhere between HKD $300 and $500 and a consultation can reach as high as HKD $500.
With the right dental insurance plan or a dental add-on, you can avoid coming out from your dentist office with a hefty bill.
We have compiled some of the best international health insurance providers and their plans and coverage for you in the next section.
Recommended Health Insurance Providers in Hong Kong
Several top insurers provide comprehensive health insurance packages and dental add-on for expats in Hong Kong, such as Bupa, Cigna, and Now Health International. Check out some of their plans below.
Bupa Global
Bupa offers comprehensive VHIS-compliant health insurance plans for individuals and families in Hong Kong. Their Bupa MyFlexi VHIS Plan offers a variety of additional benefits on top of their standard plans including dental, maternity, and mental health coverage.
Learn more about their plans in Pacific Prime’s BUPA Health Insurance Hong Kong article.
Cigna Global
Cigna Global provides customizable and comprehensive insurance plans to expats in Hong Kong. Their Cigna International Insurance Plan allows expat to add additional Cigna benefit modules, including dental coverage for preventative, routine, major restorative, and orthodontic treatment.
Now Health International
Now Health International WorldCare Plans have dental coverage as an add-on for WorldCare Essential and WorldCare Advance clients. For WorldCare Excel and WorldCare Apex plans, routine and complex dental coverage is already included within the plan.
Visit Hong Kong Health Insurance for Expats to find out more about your international health and dental insurance options in Hong Kong or contact our insurance advisors for free, no-obligation plan comparison now.
Seeing Dentists in Hong Kong
When visiting dentists in Hong Kong, you want to make sure you make your appointment in advance to save your time and that your dentist is registered and recognized by the local authority. Do not forget to bring your insurance information with you if you have one.
Private dentists must have their qualifications approved and recognized by the Dental Council of Hong Kong. You can find the list of registered general and specialist dentists on the Dental Council of Hong Kong website or on or the Hong Kong Dental Association’s online directory.
Many dentists offer online booking. It is prudent to book your appointment in advance to save your time. Some dentists also have direct billing services with major international insurers. Always have your insurance document with you if you would like to use your insurance coverage.
Public dental services in Hong Kong are subsidized for children and civil servants only. For the general public, public dental services are subsidized only in case of emergency dental extraction or medication.
You can find public dental clinics that provide emergency extraction for free on the Hong Kong’s Department of Health website.
Frequently Asked Questions
Is dental care in Hong Kong expensive?
Private dental care in Hong Kong can be expensive as prices vary greatly between each dentist and clinic. Public dental care is not covered by public health insurance and is free only in case of emergency.
How much does the root canal treatment cost in Hong Kong?
Root canal treatment can cost between HKD $6,600 to HKD $25,000 per tooth in Hong Kong.
How much does a dental crown cost in Hong Kong?
Dental crowns can cost between HKD $2,000 to HKD $7,500 depending on the materials used.
Conclusion
Securing dental care coverage while you are in Hong Kong can be a prudent decision as private dental expenses on the island can vary greatly. Most insurers will have dental coverage options available for you either as an add-on or a part of a comprehensive health insurance package.
Pacific Prime can help you make sure you get the coverage you want and at the right budget, including additional benefits such as dental and outpatient care.
Contact us now for free, no-obligation plan comparison.
Coming to Pacific Prime, she is ready to utilize her experience for the new pursuit. With a strong passion for storytelling and writing, she hopes her words could help bring people closer to the best international health insurance plan that works for them. After all, as a writer, there is no greater honor than when one’s words can add clarity to the world of the readers.
Apart from writing, she is an avid planespotter. On the weekends, you can expect to find her loitering around the airport, gawking at all the aircrafts taking off and landing. When the weather does not permit planespotting, you can find her huddling on her cozy couch, watching ballet and figure skating as well.
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