Prostate cancer is among the most common cancers affecting men. In Hong Kong, it’s the fifth most common cancer with over 1,600 new cases every year and is the 3rd most common type of cancer among men in Hong Kong.
The prostate is a gland that’s only found in men. It’s usually the size of a walnut, and is located below the bladder, surrounding the first part of the urethra, which allows urine to pass from the bladder to the penis. The prostate produces semen, a thick white fluid that mixes with the sperm produced by the testes. It also produces a protein called prostate specific antigen (PSA), which turns the semen into liquid. Prostate cancer is generally a slow-growing cancer, typically occurring in men over the age of 50. Research shows that over a third of men over 50 have some cancer cells in the prostate, while almost all men over 80 have some cells. The cause of prostate cancer is unknown, but generally the chance is increased if there is a positive family history; it is also more common in Western men.
The symptoms of prostate cancer include:
- reduced flow of urine
- increased frequency in urination
- uncomforatble urination
- persistent pain in lower back, hips and thighs
- in some cases, bloody urine.
The diagnosis of prostate cancer may include a digital rectal examination (DRE) by a doctor. Digital here is different to the “digital” in electronic equipment. Apart from DRE, PSA can be tested in blood to detect the presence of prostate cancer. However, PSA alone is not very accurate in diagnosing cancer.
It is important to have one’s self examined once you hit 40. Village Insurance’s best practice for recommending covers for males is to find insurance that also covers diseases such as prostate cancer. Insurance can cover treatment and maintenance for cancer.
We can help find the best global insurance for expats in Hong Kong. Get in touch with us for any inquiries. We’re always quick to revert.
Hong Kong remains to have one of the world’s best Public Health Care Systems however it is still advisable to supplement ourselves and our family with the convenience of additional private health insurance. Here’s updated information for your options in order to make the best choice when it comes to healthcare for expats in Hong Kong.
Hong Kong provides residents with excellent and highly affordable health services. The life expectancy in the country is currently the world’s third highest and infant mortality is the ninth lowest. Here is the list of public health institutions.
Finding your preferred doctor is easy; simply log on to the government’s Primary Care Directory (http://www.pcdirectory.gov.hk/) and select your specialist. Antenatal and postnatal care, well women services and childhood vaccinations take place at 34 dedicated Maternal and Child Health Centres across the SAR.
When attending an appointment, you’ll be asked to register with your Hong Kong ID and pay a small fee, usually by cash or Octopus card.
There are also a good number of private healthcare practitioners in Hong Kong, and access to their services will depend in no small part on your individual insurance coverage. Some insurers provide a pre-approved list of doctors, whereas others will allow patients free choice of doctor according to their policy’s financial limit. Opting to visit a private doctor will usually mean that you can choose your specialist according to your own needs and schedule, with shorter waiting times than in the public system.
Make sure to ask your insurance provider and confirm your cover details as well as payment methods.
In an emergency, you’ll be transported by ambulance to the nearest public hospital for treatment. With 17 public hospitals across Hong Kong providing Accident and Emergency services, and air ambulance services available to assist with evacuation from Hong Kong’s less accessible regions, you’re never too far away from help. Hong Kong’s A&E care operates on a triage basis, and is charged at a flat rate of $100 per visit. Once assessed by a doctor, if you’re subsequently admitted to hospital, you’ll be charged a $50 admission fee, then $100 per day, payable by cash or Octopus card.
There are currently 11 private hospitals that are internationally accredited in Hong Kong. Most provide 24-hour outpatient services for urgent cases and can arrange transfer to a public hospital for accident and emergency services if deemed necessary. Many of Hong Kong’s private hospitals are renowned for their specialist areas of expertise, including obstetrics and gynaecology, orthopaedics and ophthalmology, to name a few.
As with private doctors, you should always confirm the hospital’s billing process with your insurer, and check that any extras, such as medicines, private accommodation or out-of-hours surgery are covered.
To get the best insurance for personal or family cover, get in touch with us. We specialise in insurance for expats in Hong Kong.
Living a nomadic life can be an exciting one. The culture of traveling and living in a country other than your own is now more than just a trend but a life choice for many individuals and whole families.
On top of the usual preparations of finding a place to live, knowing where and how to reach the expat community and learning the culture of the country, you also need to make the necessary arrangements to prepare for the unexpected; health emergencies, financial fallbacks and other similar concerns.
The key feature of a good insurance for expats is mobility. Your insurance needs to follow you wherever you are. The second feature of a good expat insurance is that the benefits cover you and your family regardless if you are in the same country or not. And while it is seen as an added expense, the benefits certainly outweigh the costs because being far away from your country and the usual advantages that are given to its citizens may not be the same for every place.
Must-Have Personal Insurance
As an expat in Hong Kong, the number one type of personal protection we recommend is proper health insurance. Public healthcare in Hong Kong is one of the best in the world, however, it may not guarantee immediate and full care if you’re also waiting in line with many others who are also subscribing to public hospitals.
We wrote about the medical charges to expect in Hong Kong and compared the costs and benefits between private and public hospitals. This can give you a general idea of why you need private health insurance in case of emergencies.Remember that the costs of even minor or routine medical treatment can quickly mount up. A benefit you must make sure is included is transport to a specialist unit and repatriation. You can lower your premium by opting to pay for any excess.
Critical Illness Insurance is also something for expats to consider if they are prone to serious ailments like cancer, heart attacks and other related diseases. Benefits of this policy will pay for therapy, drugs and other maintaining treatments. Some insurance policies may even cover death which means your families are left with a lump sum to pay for medical bills left behind.
We can help you find the right expat health insurance.
This type of insurance can either be offered as a benefit along with your employment or you may choose to get one for yourself. This insurance ensures you have a monthly source of income in case you get into an accident or become gravely ill that you aren’t able to work for a period of time. We’ve also created an infographic showing How Income Protection Insurance Works. More importantly, this insurance takes care of your family when you temporarily cannot do so. We strongly recommend this to expats with children. Get in touch with us if you’re interested to see what options are available in Hong Kong.
There are a number of good, affordable international life insurance policies for expats. This is usually a combination of two or more benefits such as critical illness plus total and permanent disability. It’s best to buy life insurance while you’re young because premiums are a lot cheaper. You can pay as little as US$33 a month and be covered for 20 years. We can also help find an insurance that suits your lifestyle and budget.
Remember that you need an insurance policy that is able to change as your circumstances change. Cost of premiums is also a crucial factor to consider so take your time when shopping for a provider. Evaluate your needs and determine your plans on a yearly perspective to see any drastic changes.
When you’ve settled in nicely in your new apartment in Hong Kong, the next step is to set up your utilities! In Hong Kong, it’s the tenant who takes it upon himself to sign up for water, electricity, and gas. We’re here to make it easy for you by listing down some supplier names so you can get started on your new life in the Pearl of the Orient.
Hong Kong Electric started way back in 1890 and is now one of the most trusted utility companies in the world. Their service is reliable and affordable as well. They also have a reputation of being environmentally responsible which is a plus for some people. You can apply for Hong Kong Electric by downloading their form and emailing it to firstname.lastname@example.org or dropping it at their customer service center along with your Hong Kong ID or passport and a deposit equivalent to around 60 days of consumption. Bills are due monthly and you can register for e-bills payment for a more convenient and environment-friendly payment. For more information, you may call them at 2887 3411 from 9AM-6PM, Mondays-Sundays. Once you’re a customer, you can download their Low Carbon App which provides information on energy safety and efficiency while helping with electric consumption estimation and tips on how to save energy. The app is available on the App Store and Google Play.
Water Supplies Department provides clean and safe water to around 7 million people in Hong Kong. To sign up, you may download theirform WW01 along with a copy of your Hong Kong ID. Applications take about a week to process and bills are sent every four months. They also have a free downloadable app on the App Store and Google Play that provides information about your bill and notifies you in case of suspension. You can also click the Payment icon to access a QR code in order to pay your bills with cash at any 7-Eleven, Circle K, or VanGO convenience stores. For more information, call them at 2824 5000 and press 3 for English.
Make sure to also get home insurance in case of accidental fire from bad wiring and plumbing. We help expats in Hong Kong find cheap insurance for their apartments.
Exercise during pregnancy is different for every expectant mother. The most important tip to remember is to get clearance from your doctor before engaging with any type of fitness plan.
Women who regularly exercise and have been physically active prior to conceiving will more or less have zero issues with working in a fitness routine in their day. Walking is considered a safe and simple way to get one’s heart rate up.
Although you are eating for more than one person, doctors advise that it is important to keep track of your pre-pregnancy weight to determine your required calorie intake to maintain your body’s and baby’s need for proper nutrition.
If your body mass index (BMI) is in a healthy range (between 18.5 and 24.9), you’ll need to eat about 340 more calories a day in the second trimester than before you were pregnant and about 450 more calories a day in the third trimester
Stay comfortable by choosing looser fitting clothes that breath and regulates body temperature. Pregnant women tend to have higher body temperature and may overheat during a workout. In addition, make sure your maternity bra is supportive enough, and choose athletic shoes that fit properly. With your feet a little swollen than normal, choose footwear that is 1 to 2 sizes bigger.
EXERCISE AND STRETCHING HELPS WITH BACK & HIP PAIN
Common problems during pregnancy are increased lower back pain, pelvic instability, urinary issues, or reduced functional strength of the abdominal wall. Exercising during pregnancy helps reduce muscle tension. Prenatal pilates and yoga are popular fitness routines women can safely do to help with the usual discomforts of the condition.
STAYING SAFE WITH PROPER MATERNITY INSURANCE
Maternity insurance covers costs for pre-natal and post-natal treatments. It also covers cost for natural or caesarean delivery where the latter can get very expensive without private insurance. Maternity insurance with extension also helps with costs incurred for fertility treatments and congenital birth defects.
Village Insurance provides help for expats in Hong Kong in finding the best maternity insurance for all of your needs. Get in touch with our agents for more information.
As we go through different phases of our lives, so do our needs for health insurance cover. Does your current plan still cover your needs or are there parts of the policy that are not longer needed?
Health insurance covers must also adjust to the rest of your family member’s needs which is why it’s important to check with your provider every two years.
Here are questions you should ask when reviewing your policy:
- Is my policy limit enough to cover my needs and my supplementaries? There are policies that offer unlimited annual policy offers.
- Do you have plans of moving or traveling more frequently? This means you might need a health insurance policy that covers the places you will be traveling. There are international health insurance covers that follow you wherever you are and plans that excludes the US or UK.
- If you’re married and have a growing family, is your insurance plan able to adapt to maternity and child needs?
- Do you need to add a policy for pre-existing, mental, hereditary, congenital and chronic conditions?
- If you have a policy taken care by your current employer, you also need to evaluate if you’ll need a separate private medical insurance if there are plans of changing jobs. Check if the company health insurance covers for family members or for chronic diseases. If you have special medical needs and your company insurance does not cater to its treatment, an international health insurance cover should be able to take care of what’s lacking.
AS AN EXPAT, CONSIDER INTERNATIONAL HEALTH INSURANCE
This health insurance policy is generally comprehensive and can cover maternity and cancer treatment. It all depends on your needs as well as your family’s. Village Insurance Direct helps expat find the affordable and complete international health insurance from established providers in Hong Kong.
As an expat, you need to foresee if you will be moving in the next years and having an International health insurance that follows you wherever you will give you peace of mind in situations where local hospital may be unable to provide for your needs. The advantage of having this type of insurance is also having local service from your provider’s customer support so you know exactly what your policy can cover.
Ask your insurance provider about your current policy. It is also crucial that you do your own research especially if you’re paying a substantial amount for medical insurance you yourself and your family.