Hospital & Surgical Insurance
Even with Hong Kong’s exceptional healthcare, hospital costs can be shockingly high. A few nights in a private hospital can easily exceed HKD$100,000, and surgical procedures often add even more. For expats and international families, these expenses can become overwhelming — especially without the right insurance in place.
That’s why Hospital & Surgical Insurance is fundamental. It covers the core medical costs related to hospitalisation, operations, and inpatient treatments — ensuring that you never have to compromise on care or comfort. At Expat Insurance Hong Kong, we make the process clear and simple: our team compares the market, explains every clause, and helps you secure coverage that’s tailored to your health, lifestyle, and peace of mind.
Why Work With Expat Insurance?
Independent Advice. Transparent Guidance. Lasting Support.
Choosing a hospital insurance plan alone can be confusing — many policies hide critical limitations in the fine print. Our job is to help you understand every detail before you buy, so you get real coverage, not surprises.
We start with your health goals.
We learn about your medical history, personal needs, and treatment preferences.
We simplify comparisons.
We present side-by-side options from 30+ insurers and explain their real differences.
We negotiate for you.
We secure better room limits, higher payouts, and direct billing privileges.
We stay by your side.
We assist with claims, renewals, and policy adjustments — every year, every time.
Why Choose Hospital & Surgical Insurance?
When health emergencies arise, quick access to top-tier care matters most. A dedicated Hospital & Surgical Insurance plan provides full financial protection against high inpatient and surgical expenses — from a simple appendectomy to complex operations — giving you total peace of mind.
What Does Hospital & Surgical Insurance Include?
- Hospital room and board (including private or semi-private rooms)
- Surgical fees, anaesthetist, and specialist charges
- Pre- and post-hospitalisation consultations and diagnostics
- Emergency care and intensive care coverage and recovery support
- Cashless billing and direct settlement for approved hospitals
- Worldwide or regional cover based on your preference
Hospital & Surgical Insurance acts as the foundation of any solid medical plan — protecting you from major costs that come with accidents or illness. Whether you’re in Hong Kong or abroad, you’ll have priority access to trusted hospitals and quality healthcare whenever you need it most.
With Expat Insurance, you’ll receive guidance to select a plan that fits your budget, medical needs, and long-term goals, ensuring you’re always one step ahead.
Possible Pitfalls We Help You Avoid
Cancer treatment gaps: Some plans only cover inpatient cancer care. We make sure your plan includes outpatient chemotherapy and follow-up treatments.
Room restrictions: Many policies limit room types. We help you get private room coverage with minimal co-pay.
Claim rejections: We review exclusions upfront to prevent unexpected denials later.
Coverage limits: We recommend policies with realistic annual and lifetime caps to avoid financial shortfalls.
These are just a few of the pitfalls that can catch people off guard. With over 15 years of experience, we’ve helped thousands of expats avoid them — delivering clarity, security, and protection that truly works when it counts.
Need Help? Contact Us Today.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
testimonials
Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These situations aren’t unusual—they’re common experiences in Hong Kong, where one hospital visit, accident, or sudden illness can rapidly turn into a financial emergency. Whether you’re secure or vulnerable often depends on one factor: the insurance you have.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
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