Can you offer Hong Kong(HK) and China Health Insurance

Question: 
i currently work for a HK company but travel to China frequently for project management, what kind of health insurance is ideal to cover China and Hong Kong, please proivde a detail coverage plan and cost thank you

Answer: 
Pacific Prime can offer a number of comprehensive international health insurance options which will provide medical coverage in both Hong Kong and China. China health insurance policies which we work with are available from more than 60 of the world’s leading insurance companies, and will afford you the highest levels of protection while you are overseas.

Our extensive knowledge of the Chinese healthcare system means we are in a unique position to give you the most detailed comparisons of the best plans currently on the market. We can offer annual coverage, or short term travel protection; both types of plans have significantly high coverage limits and will ensure that you are able to access superior private medical facilities in the event that you fall ill while in China.

The annual international health insurance plans we offer are typically guaranteed renewable for life, offer worldwide coverage, and will give you the freedom of choice to choose where you receive your medical treatment. This means that a single policy from Pacific Prime will be able to protect you both in Hong Kong and China. You will not have to obtain a new plan each time you go overseas, and the policy will allow you to receive treatment at some of Hong Kong’s best private hospitals – such as, the Matilda Hospital, Baptist Hospital, or Hong Kong Sanatorium.

Coverage benefits under our global health insurance plans are extensive, and in many cases we can actually tailor the policies we work with to meet your individual requirements. Typical policy benefits may include coverage for:

·In-patient medical treatment

·Out-patient medical treatment

·Emergency Evacuation

·Maternity coverage and IVF treatment

·Dental coverage

·Alternative therapies, including Traditional Chinese Medicine

·Preventative Medicine and Vaccinations

When selecting a plan simply inform one of our expert consultants about the coverage benefits which are most important to you; in many cases we are usually able to add your requests to the policy.

In terms of the plan’s cost, the policies we work with will calculate premiums based on the policyholder’s age, and the policy’s geographical area of coverage. China medical insurance plans from Pacific Prime will not use your claims history when calculating the policy premium. This means that you are able to claim for the healthcare which you need, when you need it, without having to worry about whether your annual premium will increase.

The reason that the plan’s geographical area of coverage is important when calculating the premium is due to the fact that some countries have much higher average healthcare costs than others – Hong Kong, for example, is the second most expensive place to receive healthcare in the world. The most expensive location for medical treatment is the USA, which is why many of the plans we offer will provide an option which will allow you to elect not to receive coverage in the United States of America; the choice of geographical coverage is typically between Worldwide, and Worldwide excluding the USA. If you choose to exclude the USA from your coverage, then you will typically see a reduction in the overall policy premium.

For more information about the health insurance plans we work with, or to receive a free quote, please contact us today. Alternatively, simply complete the short form at the top of this page to receive a complete comparison of available policies.