Top-Up Coverage
Many employees in Hong Kong rely on company-provided medical plans for their healthcare needs. While these plans offer convenience and basic coverage, they often come with low benefit limits or restricted access to certain hospitals. In the event of a serious injury, major illness, or complex surgery, these caps can be quickly exceeded, leaving you responsible for potentially significant out-of-pocket expenses.
This is where Top-Up Coverage becomes invaluable. Designed as a flexible supplement to your existing health plan, it increases your annual, lifetime, and surgical limits to provide broader protection. At Expat Insurance, we carefully review your corporate or group policy, highlight any potential coverage gaps, and recommend tailored top-up solutions. This ensures you have comprehensive financial protection, access to quality healthcare worldwide, and the confidence to face unexpected medical situations without worry.
Why Work With Expat Insurance?
Independent Guidance. Smart Protection. Honest Advice.
Buying a top-up policy alone can be confusing — it’s not just about finding “more coverage,” but about making it fit perfectly with what you already have. That’s where our expertise matters most.
We start with your existing plan.
We review your company or group insurance and identify hidden shortfalls.
We tailor your top-up options.
We design custom deductibles and benefit levels that balance value and cost.
We negotiate on your behalf.
We secure preferred pricing and expanded benefits through our insurer network.
We stay connected.
We assist with claims, renewals, and adjustments whenever your circumstances change.
Why Choose Top-Up Coverage?
Top-Up Coverage provides a cost-effective way to extend your current protection. Instead of buying a full policy, you only pay for what your company plan doesn’t cover — ensuring comprehensive coverage without duplication or excess costs.
What Does Top-Up Coverage Include?
- Higher annual and lifetime benefit coverage limits
- Full hospital and surgical coverage for additional expenses
- Enhanced critical illness and emergency protection
- Customisable deductible options to lower premiums
- Worldwide medical benefits for expats and frequent travellers
- Seamless coordination with your corporate insurance
With a Top-Up Plan, your employer’s insurance acts as the first layer, covering initial costs. Once those limits are reached, your top-up policy continues to pay — keeping you protected from potentially devastating bills. It’s an easy, affordable solution that gives you the freedom to choose better care without financial stress.
Possible Pitfalls We Help You Avoid
Corporate plan limits: Many company policies cap benefits too low for private hospitals. We ensure sufficient coverage for serious conditions.
Uncovered surgeries: Employer insurance often excludes expensive procedures. We make sure your top-up fills those gaps.
Out-of-pocket shocks: We prevent unexpected expenses that appear once group limits are exceeded.
Relocation issues: If you leave your employer, we help you convert or transfer your top-up plan to maintain protection.
These are just a few situations where expats find themselves underinsured without realising it. With 15+ years of experience, Expat Insurance ensures that every client receives the right top-up coverage — designed to protect, not overlap.
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.
This isn’t an exception but a daily occurrence in Hong Kong, where a single medical incident or unforeseen illness can escalate into serious financial strain. The line between protection and risk usually lies in having the right coverage.
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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