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Expats in Hong Kong looking for health insurance can choose from top providers such as Cigna, AIA, Bupa Global, Allianz Care, and more. These companies offer a wide range of health insurance plans, providing comprehensive coverage for both individuals and families living abroad. Whether you’re seeking inpatient care, outpatient services, or additional benefits like dental and maternity coverage, there are various options to suit your needs and budget.
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When relocating to Hong Kong, securing health insurance is essential to ensure access to quality care. This article provides an overview of the best insurance companies available to expats, offering customizable plans and extensive coverage options for a variety of lifestyles.
We will share the top 10 insurance companies in Hong Kong and a comprehensive overview of their insurance plans and benefits. Keep reading to learn all about the best insurance providers in Hong Kong for expats!
Leading Health Insurance Companies for Expats in Hong Kong
The best ten insurance companies in Hong Kong are Cigna, AIA Insurance, Bupa Global, Allianz Care, and more. These companies have built lasting reputations within the international insurance market and offer insurance plans that fit any budget or lifestyle.
The full list of the ten best insurance companies in Hong Kong are:
- AIA
- Cigna
- Bupa Global
- AXA
- Allianz Care
- April International
- IMG
- Now Health International
- GeoBlue
- Blue Cross
We will share more about these insurance providers in the following sections.
AIA Health Insurance: Comprehensive Plans for Expats in Hong Kong
AIA offers health insurance for expat individuals and families in Hong Kong and is one of the largest pan-Asian insurance groups on the market today. Headquartered in Hong Kong, it specializes in coverage across the Asian Pacific.
Specific benefit and coverage details of AIA’s health insurance policies vary across regions, but they generally share the same core benefits of inpatient coverage and emergency coverage. They also have optional benefits available, such as:
- Preventative care
- Dental
- Optical
- Maternity
- Mental health care
Cigna Health Insurance: Global Coverage for Expats in Hong Kong
Cigna Global offers international health insurance to expats in Hong Kong with its Silver, Gold, and Platinum Plans. It is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.
Cigna’s three health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are:
- Inpatient and day patient coverage
- Full cancer care
- Newborn care coverage
- Private hospital rooms
- Hospital stays and treatments
Some additional coverage that can be added to these plans are:
- Dental and vision benefits
- Evacuation and Crisis Assistance Plus™
- Outpatient services
- Health and wellbeing services
Bupa Global: Flexible Health Insurance for Expats in Hong Kong
Bupa Global partners with Blue Shield Global to provide international health insurance policies in Hong Kong. Their plans come in four varieties: Major Medical, Select, Premier, and Elite.
Their plans vary in geographical coverage, annual limits, and benefit availabilities. They do share core benefits such as cancer coverage and inpatient benefits. We will share and compare more of their plan benefits in the table below.
| Bupa Plan Benefits for Expats in Hong Kong | ||||
| Major Medical | Select | Premier | Elite | |
| Annual Limit | HKD 35,000,000 | HKD 35,000,000 | HKD 39,000,000 | HKD 78,000,000 |
| Area of Coverage | Worldwide | Worldwide (excludes US) | Worldwide (excludes US) | Worldwide |
| Private Hospital Accommodation | Covered | Covered | Covered | Covered |
| Cancer Treatment | Covered | Covered | Covered | Covered |
| Home Nursing | Covered | – | – | Covered |
| Diagnostic Tests | – | Covered | Covered | Covered |
| Optical and Dental | – | – | Covered | Covered |
| Maternity Coverage | – | – | – | Covered |
AXA Insurance: Tailored Health Plans for Expats in Hong Kong
AXA Insurance offers medical protection to expats in Hong Kong with their specialized plans designed specifically for the region. Their plans are available in three options: WiseGuard Medical Insurance Plan, WiseGuard Pro Medical Insurance Plan, and Smart Medicare.
These plans were created to be compliant with Hong Kong’s Voluntary Health Insurance Scheme (VHIS). This scheme was introduced by Hong Kong’s Health Bureau in 2019, and was designed to improve consumer’s access to private healthcare.
Each of these plans shares core benefits of inpatient and cancer coverage while varying in benefits and coverage limits. Their plans also include coverage for unknown pre-existing conditions and guaranteed renewal up to age 100.
In addition to these medical benefits, AXA offers other important services to their members with each of their five plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services.
Allianz Care: International Health Insurance Options for Expats in Hong Kong
Allianz Care is a leading international insurance provider that offers specialized international health insurance plans to expats in Hong Kong. Their three plans, Hong Kong Care, Hong Kong Care Plus, and Hong Kong Care Pro, offer comprehensive coverage to expats in the region.
When purchasing a plan from Allianz, you will follow three steps. The first is choosing your Core plan and deductible. The second is adding any optional plans, and the final step is choosing your geographical area of coverage.
The Core plans are the Hong Kong Care plans, while the optional plans are listed below:
- Outpatient Plan
- Dental Plan
- Repatriation Plan
- Maternity plan
Below, we will compare some of the benefits across the Core plans in a table format.
| Allianz Plan Benefits for Expats in Hong Kong | |||
| Hong Kong Care | Hong Kong Care Plus | Hong Kong Care Pro | |
| Annual Limit | HKD 19,375,000 | HKD 31,000,000 | HKD 38,750,000 |
| Inpatient Coverage | Covered | Covered | Covered |
| Cancer Treatment | Covered | Covered | Covered |
| Organ Transplant | Covered | Covered | Covered |
| Preventive Surgery | – | – | Covered up to HKD 315,900 |
| Laser Eye Treatment | – | – | Covered up to HKD 10,530 |
April International: Affordable Health Insurance Plans for Expats in Hong Kong
April International is one of the leading insurance companies for expats in Hong Kong due to their comprehensive MyHealth health insurance plans. These plans are available to foreigners and Hong Kong nationals alike.
Their MyHealth plans come in three choices: Essential, Extensive, and Elite. Each plan has different deductible options. In the table below, we will compare some benefits across the MyHealth plans.
| April International Plan Benefits for Expats in Hong Kong | |||
| Essential | Extensive | Elite | |
| Annual Limit | HKD 11,739,000 | HKD 19,565,000 | HKD 35,217,000 |
| Diagnostic Tests | Covered | Covered | Covered |
| Hospitalization | Covered | Covered | Covered |
| Outpatient (optional) | Covered up to HKD 54,782 | Covered | Covered |
| Surgery | Covered | Covered | Covered |
| Maternity (optional) | Covered up to HKD 39,130 | Covered up to HKD 78,260 | Covered up to HKD 117,390 |
IMG Global: Global Health and Travel Insurance for Expats in Hong Kong
IMG Global is an international insurance company that offers health and travel insurance to expat individuals and families in Hong Kong. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan.
IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum.
The annual limits for these plans are listed below:
- Bronze: USD $1,000,000 per individual
- Silver: USD $5,000,000 per individual
- Gold: USD $5,000,000 per individual
- Platinum: USD $8,000,000 per individual
In addition to the core inpatient benefits offered in IMG’s plans, expats may also be able to purchase additional riders to further their benefits. This includes a Dental, Vision, Terrorism protection, and Sports rider.
Now Health International: Customizable Insurance Plans for Expats in Hong Kong
Now Health Insurance offers expats in Hong Kong comprehensive and customizable medical insurance plans that start as low as HKD 203 a month for their most basic plan. Their more comprehensive plans can also cover dental treatment or maternity care.
Now Health offers three different plans to expats in Hong Kong: WorldCare Essential, WorldCare Advance, WorldCare Excel, and WorldCare Apex. These plans vary in annual benefit limits and coverage, but they share similar core benefits like inpatient coverage, emergency treatment, and cancer care.
- WorldCare Essential: The most basic of Now Health’s plans, this policy was designed to cover any emergency illnesses or accidents. It was created for those who want coverage when they need it but also want to keep their premiums as low as possible.
- WorldCare Advance: The Advance plan includes inpatient and outpatient services coverage up to the limit amount. Routine maternity care is not included in this plan.
- WorldCare Excel: This plan offers coverage similar to WorldCare Advance but with higher benefit levels. You can also add dental coverage.
- WorldCare Apex: The most comprehensive of Now Health’s plans, the Apex plan covers dental care and routine maternity care (maternity care requires a 12-month waiting period).
GeoBlue Health Insurance: Global Coverage with US Benefits for Expats
GeoBlue is a global insurance company offering travel and health insurance plans for individuals, families, students, and groups in Hong Kong and worldwide. They provide their members in Hong Kong access to an extensive provider network and offer customizable, comprehensive plans.
GeoBlue offers expat health insurance through their plans Xplorer Premier and Xplorer Essential. The Xplorer Premier plan comes with United States coverage, while Xplorer Essential can have US coverage added at a fee.
These plans come with benefits like:
- Inpatient and Outpatient Coverage
- Emergency Evacuation and Repatriation
- Dental Coverage (With a 3-month Waiting Period)
- Maternity Coverage (With a 12-month Waiting Period)
- Coverage for Annual Health Checks
- Vaccination Coverage
The Xplorer plans come with different choices of deductibles, and each annual maximum limit will depend on the deductible chosen. GeoBlue plans are especially popular with expats moving to Hong Kong from the US due to the Xplorer Premier’s built-in US coverage.
Blue Cross Insurance: Flexible International Health Insurance Plans for Expats in Hong Kong
Blue Cross Insurance is a reputable leading health insurance provider for the Asia Pacific Region. Blue Cross offers a variety of comprehensive insurance solutions for their members, designed for individuals, families, and businesses.
Some of the insurance products offered by Blue Cross Insurance are:
- Medical Insurance
- Travel Insurance
- Group Medical Insurance
- General Insurance
With Blue Cross individual international medical insurance, you can be covered for inpatient and outpatient services. Members also have the ability to design their own coverage and customize their benefits, deductible amount, and any optional benefits.
Frequently Asked Questions:
Why should expats buy private insurance coverage in Hong Kong?
Expats in Hong Kong should purchase private health insurance to protect themselves against unforeseen events like illnesses or accidents. You will also be able to access private health insurance facilities at lower costs and have access to a global network of providers.
How can expats compare insurance policies effectively?
Expats can effectively compare insurance policies by considering key factors like premium costs, coverage limits, exclusions, benefits, and customer reviews. Compare these factors when reviewing multiple insurance providers, and you can find one that suits your preferences best.
Do expats qualify for subsidized healthcare in Hong Kong?
Expats can access highly subsidized healthcare while in Hong Kong if they have a valid visa and a Hong Kong ID card. You will be able to apply for an ID card if you plan on staying in Hong Kong longer than 180 days.
Conclusion
Expats in Hong Kong looking for health insurance can choose between these top 10 insurance companies for the best insurance coverage. With an international health insurance plan you can be covered in Hong Kong, your home country, and anywhere else you go across the globe.
Ready to begin comparing international insurance policies today? Reach out to the insurance experts at Pacific Prime! We can help you on your insurance journey, and we won’t cost you a penny. As an insurance broker, we won’t have loyalty to one insurer and can offer unbiased advice.
You can visit us online at our website or call us at 1-800-868-1451. If you’re interested in comparing quotes on your own, use our free quote tool.
If you enjoyed this article, check out our others on the top 10 insurance companies for Cambodia and the Dominican Republic!
Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).
Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.
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