20Nov

Updated Information on Hong Kong Healthcare

Updated info on healthcare in hong kong

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.

PUBLIC HEALTHCARE

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.

DOCTORS

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.

HOSPITALS

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.

4Feb

Do You Really Need Health Insurance?

“Accidents happen.” This has to be one of the most common insurance tagline used by providers. Village Insurance Direct breaks down the facts to answer the question, “Do I really need health insurance?”

A Quick Comparison

Hong Kong is recognized as having among the highest private medical costs in the world after the US. Comparatively, an ear infection, a broken bone from a fall could see you spending up almost US$9000 in Thailand, but in Hong Kong will cost more than US$15,000.

Because you need to protect your assets…

Whether it’s your life savings or what’s in your bank account. Because if you don’t have insurance when you do fall ill or have an accident, the main priority is to protect your assets. In places like Hong Kong you can see your assets dwindled from a case of bronchitis.

Knowing that if something were to happen you’ve got someone to take care of not just the bills but the whole process. For example, if you’re dealing with a sensitive issue like a family member falling ill, and dealing with the stress and emotions of coping with that, the last thing you want is to be on the phone with finance departments. Working with an insurance company eliminates all of that stress because the claims team takes over those responsibilities. So you can focus on either getting well yourself or taking care of your loved one when they’re sick.

When all else fails, there’s repatriation.

When there is a need to fly you out for treatment, having health insurance will ensure that you get the help you need as soon as possible. Emergency evacuation can be that thin line that saves your life or a family member’s. When you are not in your home country, having the right kind of insurance to cover you is the best investment you’ll thank yourself for having.