Types of Health Insurance
What is covered?
How much does it cost?
How do I purchase?
Types of Health Insurance
What is covered?
How much does it cost?
How do I purchase?
Health Insurance
What is covered?
There are a variety of Hong Kong health insurance providers and it can sometimes be a daunting task ensuring you have right cover in place that suits your needs.
The table below gives a summary of cover provided by some of the most established insurance companies; however, should you wish to tailor your policy to reflect your specific circumstances, you can contact Alliance Insurance Services directly for an insurance needs analysis and comparison of the market.
| Full Comp | Comprehensive | Basic | |
| HOSPITALIZATION | |||
Daily Room & Board per day max. no. of days per disability |
2,000 45 |
800 45 |
500 45 |
Hospital Special Services per disability |
30,000 |
20,000 |
8,000 |
Surgical Fee, per disability Complex Operation Major Operation Intermediate Operation Minor Operation |
200,000 100,000 50,000 20,000 |
100,000 40,000 25,000 10,000 |
40,000 20,000 10,000 5,000 |
Anesthetist’s Fees, per disability Complex Operation Major Operation Intermediate Operation Minor Operation |
60,000 30,000 15,000 6,000 |
30,000 10,000 4,500 3,000 |
15,000 7,500 3,750 1,875 |
Operation Theatre Fee, per disability Complex Operation Major Operation Intermediate Operation Minor Operation |
60,000 30,000 15,000 6,000 |
28,000 11,000 4,500 3,000 |
15,000 7,500 3,750 1,875 |
In-hospital Physician's Visit per day max. no. of days per disability |
2,000 45 |
800 45 |
500 45 |
In-hospital Specialist's Visit |
10,000 |
8,000 |
1,500 |
Intensive Care max. no. of days per disability |
30,000 |
20,000 |
10,000 |
Home Health Care |
39,000 |
15,000 |
N/A |
Private Nursing Max. days per disability per year |
800 45 |
500 45 |
N/A N/A |
Hospital Cash Benefit max. no. of days per disability |
750 91 |
400 91 |
N/A N/A |
Post-Hospitalization Treatment Max. no. of days from day of discharge |
5,500 30 |
4,000 30 |
N/A N/A |
Worldwide Emergency Assistance Medical Evacuation / Repatriation |
YES |
YES |
YES |
SUPPLEMENTARY MAJOR MEDICAL |
|
|
|
SMM Benefit max. benefit per disability Deductible Co-insurance |
200,000 1,000 80% |
100,000 1,000 80% |
50,000 500 80% |
OUTPATIENT COVERAGE |
|
|
|
Out-patient Physician's Visit per visit per day max. no. of visits per policy year reimbursement % |
500 30 100 |
280 30 100 |
200 20 100 |
Physiotherapist's or Chiropractor's Visit per visit per day max. no. of visits per policy year reimbursement % |
500 30 100 |
400 20 100 |
200 10 80 |
Out-patient Specialist's Consultation per visit per day max. no. of visits per policy year reimbursement % |
600 30 100 |
400 20 100 |
300 10 80 |
Chinese Medicine Practitioner's Visit per visit per day max. no. of visits per policy year reimbursement % |
250 20 100 |
200 15 100 |
150 10 80 |
Out-patient X-ray / Laboratory Test limit per policy year reimbursement % |
3,600 100 |
2,000 100 |
1,000 80 |
Routine Physical Check Up Per visit per day limit reimbursement % |
500 100 |
300 100 |
N/A N/A |
DENTAL INSURANCE |
|||
Routine oral examination, scaling, polish intraoral X-ray & medications fillings & extractions drainage of abscesses pins for cusp restoration dentures, crowns and bridges |
4000 |
3000 |
N/A |
