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.

17Oct

What Insurance Do I Need Abroad?

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

HEALTH 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.

INCOME PROTECTION

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.

LIFE

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.

3Sep

How to Prepare Your Kids for Vaccination Day

For expat families, new challenges such as moving and adjusting to another country are already on top of old ones, one of which is keeping up with your kids’ vaccinations. If you’re a family with more than two kids, it can be quite the struggle to stay on top of who has had which vaccination and when they are due the next one. Having the right healthcare practitioner to seek professional advice and support from can make all the difference.

How to have stress-free vaccinations

Unlike babies less than a year old, children aged around 15 months and older need to be comforted when faced with the prospect of a visit to the doctor’s. While experts say that talking to your child beforehand isn’t likely to help, it is encouraged rather to psyche them up with the promise of a reward after the injections, such as a tasty snack, a new small toy, or a visit to their favorite play place.
It is also encouraged to explain to your child when they’re above two years old the importance of vaccinations and how it makes them healthy and strong. Liken the process as the reason how their favorite superheroes got their super strength.

One way to mentally prepare your child for their injections is to stay calm because children sometimes feed off of their parents’ moods. When they see that it’s not a big deal to you, it may help them relax. You can also distract them by talking about your plans after the visit instead of focusing on the visit itself. And never ever use a visit to the doctor’s as a form of punishment for bad behavior. It will just make it that much harder to do in the future.
banner 1
Family vacations are great fun but vaccinations are once again a needed precaution or requirement before travel to another country. Research on the recommended vaccinations for your child and for a particular destination, and getting the injections one to two weeks before travel are two very important things to consider.
As for diseases one can’t vaccinate against, such as malaria and dengue, preventative measures such as anti-malaria tablets, insect repellent, and wearing protective clothing should be prepared for as well.

Mandatory vaccinations are a duty

One may be aware of the ongoing argument of whether or not to vaccinate a child and it is very important to be on the side of medical professionals when it comes to mandatory vaccinations. Doctors all over can’t stress enough the importance of vaccinating and the claims that they cause autism are unsubstantiated. If one isn’t fully aware of how important vaccinations are, refusing to do so is likely to have consequences of epidemic proportions. One example is last year’s measles outbreak that started in Disneyland in California and spread to Washington and Colorado, and has since been proven to be the effect of low vaccination rates.

There is also currently a worldwide whooping cough (pertussis) epidemic, the worst in the last 70 years. Small babies who have not received their vaccinations are most vulnerable to the disease. However, ensuring that their pertussis vaccinations are up to date can greatly boost their chances of protection.

With the help of the right healthcare plan, preparing a child’s vaccinations doesn’t have to be a daunting task for any parent. Village Insurance Direct helps expats in Hong Kong find comprehensive health insurance that cover the whole family. Ask us about it today.

23Jul

Updating Your Health Insurance

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:

  1. Is my policy limit enough to cover my needs and my supplementaries? There are policies that offer unlimited annual policy offers.
  2. 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.
  3. If you’re married and have a growing family, is your insurance plan able to adapt to maternity and child needs?
  4. Do you need to add a policy for pre-existing, mental, hereditary, congenital and chronic conditions?
  5. 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.

 

11May

Expat Guide: Expecting a Baby in Hong Kong

Hong Kong hospitals are one of the best in Asia and the world. Public health hospitals have a fantastic reputation for being clean and safe but not as comfortable at times with long queues.

Expats with valid HK ID cards can easily seek medical attention at a minimum cost from public heath care facilities. The bed fee and ultrasound which cost $100 per day and $300 per copy, respectively are the more common expenses you’ll pay for when in a public hospital. However, we cannot always anticipate other risks during pregnancy and this is why choosing a private hospital remains the best option to keep the mother and the baby safe.

The Consumer Council has shared that there are plenty of options for private maternity packages that compete on the size of the private suite and the range and grade of the facilities provided. These sets of medical procedures are generally priced equally for residents and non-residents but that may not always be the case.

One has to consider the doctor’s fee, obstetrician and anesthetist. These are generally separate from the maternity package. It’s crucial that you ask for an itemized rundown of the specific services that are included in your health insurance policy once you choose to be treated in a private hospital.

Private health care is understandably more expensive but given the right health insurance cover; expats can fully take advantage of the best facilities and doctors around.  Some health insurance policies can cover the entire cost of maternity care.

Cost of Maternity Procedures in Hong Kong

cost_of_maternity_hong_kong

The costs mentioned do not take account the months that lead up to the birth including gynecological visits, ultrasounds and other tests.

The complete cost of delivering at one of Hong Kong’s private hospitals could sum up to more or less o$100K but this amount provides luxuries that won’t be available in public facilities. Most private hospitals also require that you put down a deposit, ranging from $10,000 to $20,000.

One highly recommended private hospital with a relatively cheaper maternity package ranges between $17,000 for residents and $35,000 for non-residents. This fee is for natural delivery in a Standard Room with 3-6 beds.

Other special fees include paying for a pediatrician to be in attendance during delivery (not optional) and a 30% surcharge for each additional baby in cases of twins or more.

Emergency C-Section with 5 nights can cost up to $51,000 for a standard room with 4 beds and around $97,000 for a private room. More complications can cost up to $150,000

Choosing a Health Insurance Cover

Pregnancy is considered a pre-existing condition and most insurance providers will not accept your application if you are already pregnant. Unless you are joining a group plan, some may waive or shorten the waiting period (ask when “waiting period” begins as it may vary per provider). Most insurers will not cover women after the age of 44 so that also plays into your application.

An annual fee of  $8,200 for health insurance with maternity cover can have a $20,000 limit on maternity cover. There are also policies with $10,200 annual fee with $10,000 maternity cover. Some insurance providers also provide newborn cover while some keep that policy separate.

This is where having a reliable insurance broker is important.  Details on uncommon risks like congenital diseases and newborn care need to adhere to what you specifically need and one might not immediately foresee these things without professional assistance.

Village Insurance finds the best cover for you depending on your condition and budget. Get a quote or send us a message for further inquiries. We’d like to help.

Feel free to connect with Mark Bromhead on Linkedin, Facebook and Twitter.

4Apr

Top Health Issues Among Women in Asia

This infographic provides a list of the top medical issues faced by women in Asia today. Village Insurance Direct provides help for expats in Hong Kong in finding the most affordable and comprehensive insurance covers. Inquire today!

village insurance direct top health issues women asia

 

17Feb

Preparing for the Cost of Cancer Treatments

 
The physical, mental and financial strains that come along with cancer are things no one should ever have to go through but with this disease affecting more and more people each year worldwide, we need to be always prepare ourselves and our loved ones if the worst happens.

This is especially crucial for families with members who have had cancer in one form or another. These are tips on how you can better cope with the costs of treatments so that you and your family have less to worry feel anxious about.

Recent Cancer Statistics

The most common type of cancer for male Hong Kongers is lung cancer with 2,994 cases registered in 2015. Females on the other hand deal with breast cancer the most with 3,524 new cases listed last year.
hongkong cancer 800x800

This statistics holds true for Brits with lung and breast cancer affecting the same demographic. 50,750 cases of breast cancer have been recorded since 2012 until 2015 and 24,005 reported cases for male individuals diagnosed with lung cancer for the same time frame.
UK 800x800Lung cancer tops the list as of 2015, according to World Cancer Research International with 7.4 million male cases and 6.7 million for women. This number is expected to increase to 24 million by 2035.
worldwide 800x800

Planning Costs for Cancer Treatment

Each type of cancer has a different treatment. It also depends on the progress of the disease. You can read about the different types of treatment options from cancer.org.

Your oncologist will be the best person to tell you what to expect during treatment and will be the first person to ask about the cost of treatments which is why the first step to planning is knowing as much as you can about your ailment and the treatments needed.

Cancer patients will most likely have to prepare costs for:

  • Provider visits
  • Lab tests (blood tests, urine tests, and more, which are usually billed separately)
  • Clinic visits
  • Procedures (for diagnosis or treatment, which can include room charges, equipment, different doctors, and more)
  • Imaging tests (like x-rays, CT scans, and MRIs, which may mean separate bills for radiologist fees, equipment, and any medicines used for the test)
  • Radiation treatments (implants, external radiation, or both)
  • Drug costs (inpatient, outpatient, prescription, non-prescription, and procedure-related)
  • Hospital stays (which can include many types of costs such as drugs, tests, and procedures as well as nursing care, doctor visits, and consults with specialists)
  • Surgery (surgeon, anesthesiologist, pathologist, operating room fees, equipment, medicines, and more)
  • Home care (can include equipment, drugs, visits from specially trained nurses, and more)

Some key questions to ask about :

  • How much is the estimated cost of treatment?
  • Will my health insurance cover it?
  • Where will I get treatment? In your clinic, hospital, at home?
  • What about medication? How much will they cost?

Having health insurance greatly decreases your out-of-pocket costs and should be able to cover a majority of your expenses.  Know the in-network doctors within your policy so you can also ask about out-of-network physicians in case it’s necessary. Talk to your insurance provider about the details of what they can cover so you may plan accordingly.

We at Village Insurance Direct help expats in Hong Kong find the best health insurance policies to cover these types of needs.

Sources:
http://www.cancer.org/treatment/treatmentsandsideeffects/treatmenttypes/treatment-types-landing