Medical Insurance
Healthcare in Hong Kong is known for quality — modern hospitals, advanced technology, and skilled specialists. But excellence comes at a cost. Even a short stay in a private hospital can reach hundreds of thousands of Hong Kong dollars, while major treatments can climb into the hundreds of thousands. For expats and international families, these costs can be overwhelming without the right coverage.
That’s why Medical Insurance is essential — protection for your health, your family, and your peace of mind. The right plan ensures you get the care you need without worrying about unexpected bills. At Expat Insurance Hong Kong, our advisors make it simple: we compare options, explain the fine print, and secure coverage that fits your lifestyle — from checkups to global emergencies.
Why Work With Expat Insurance?
Expert Advice. Personalised Care.
Choosing medical insurance on your own can be confusing. Policies often hide limitations in the fine print — and those details matter most when you need care. Our job is to make those details clear, ensuring you get transparent, trusted protection.
We start with your health goals.
We take time to understand your medical history, family needs, and lifestyle.
We simplify comparisons.
We present 30+ insurer options side-by-side, showing what each plan truly offers.
We negotiate for you.
We secure better terms, higher limits, and faster, reliable claims support.
We stay by your side.
We review and renew your coverage annually — so you’re always properly protected.
Why Choose Medical Insurance?
The right plan ensures you and your family can access top-tier care without hesitation. Beyond hospital costs, medical insurance covers a wide range of needs — from maternity and newborn care to critical illness treatment and even everyday doctor visits.
What Does Medical Insurance Include?
- Comprehensive Medical Plans (full-scale inpatient & outpatient protection)
- Hospital & Surgical Insurance (coverage for operations & hospital stays)
- Top-up Coverage (extra protection above employer health plans)
- Maternity Insurance & Newborn Coverage (prenatal, delivery & postnatal care)
- Critical Illness Insurance (financial security through lump-sum payouts)
- Worldwide access with direct billing and cashless claims options
Medical Insurance gives you confidence in every stage of life — whether you’re starting a family, expanding your career, or moving across borders. Our role is to help you choose the plan that fits your lifestyle, budget, and long-term health priorities.
Common Gaps We Help You Avoid
Cancer care gaps: Some hospital-only plans limit treatment to inpatient stays. We make sure your policy includes full outpatient and follow-up cancer care.
Maternity surprises: Many insurers impose 10–24 month waiting periods. We help you plan ahead so your coverage is active long before you need it.
Top-up shortfalls: Corporate health schemes often set low annual limits. We design affordable top-up coverage that eliminates hidden exposure.
Coverage interruptions: Local-only plans can lapse when you move abroad. Our worldwide options keep you continuously protected wherever life takes you.
These are just a few of the pitfalls that can leave people unexpectedly exposed. With years of hands-on experience, we know how to help you avoid them — with clear guidance, tailored solutions, and insurance that delivers when it truly matters.
Need Help? Contact Us Today.
Our Services
We Ensure Professional Insurance Services
Comprehensive Medical Insurance
Get complete protection for hospital and worldwide care—covering everything from checkups to major care.
Hospital & Surgical Insurance
Protect yourself from costly hospital stays and surgeries with flexible coverage designed for expats and families in Hong Kong.
Critical Illness Insurance
Safeguard your finances against cancer and major diseases with lump-sum protection designed for recovery and long-term care.
Top-up Coverage
Enhance your corporate or existing plan with affordable top-up insurance that fills gaps and increases your annual coverage limits.
Maternity Insurance
Plan ahead early for pregnancy and delivery with tailored maternity insurance that helps manage hospital costs and waiting periods.
Newborn Coverage
Ensure your baby is protected from birth with health coverage that includes hospital care, checkups, and early medical support.
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!
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.
Blog & News Update
How I Negotiated Zero Premium Increase for a Client with an Ageing Workforce
Last quarter, I sat across from an insurer who wanted to raise premiums by 8%…
Avoiding the Problem of Group Insurance Gaps
I've watched HR teams discover their group insurance gaps in real time.An employee needs surgery.…
Why Drone Insurance Breaks Every Aviation Rule
Traditional aviation insurance makes one fundamental assumption: the pilot can see what they're flying.Direct line…
