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.