Health Insurance

Health Insurance is intended to cover expenses arising from the medical costs of a sickness or an injury. In addition to this reactive cover of an accident or illness, insured persons can elect to include additional options such as maternity cover, dental benefits, vaccinations and health checks.

International Health Insurance has been developed for the expats living outside of their country of residence. The cover allows insured persons to receive treatment in the medical facility of their choice anywhere in the World within the geographical area they have chosen. In addition to the standard cover, most policies will have coverage for evacuation/repatriation, Worldwide assistance and compassionate home travel.

Health Insurance benefits in Hong Kong have developed differently than those found in Europe or the United States in that they will have reduced claim limits to reflect the localized hospital networks used by local nationals. Although additional dental, maternity and health check benefits can be included; they will also be restricted to lower levels of cover.

As one of the earliest forms of accident insurance, Personal Accident & Sickness Insurance intention is to provide either lump sum, periodic payments or medical expenses associated with a death or disablement caused by an accident.