Hi guys, hope its the right forum (wasn't sure if its more insurance or health)
so I'm just about to move to HK for a few years and was wondering what kind of insurance I do need.
I'm a mid-20s male and don't have any medical preconditions, however in recent years I had a bit of dental issues, I probably needed roughly one filling a year.
I'm confused what I would have to expect for HK...
- I understand there is a public health system in HK that is accessible to non-permanent residents as well?
- Do I understand it right that public health treatment in HK means you go to one of the big government-run hospitals (such as Queen Mary Hospital)?
- Would I go to such a place just for medical check-ups, when having a sore-throat, fever or the likes, or would I always seek a private doctor/clinic for that? (In Germany you'll go to private doctors and they will receive their payment by the public health system)
- How high are the fees at private doctors for some general check-ups and small treatments? I'm thinking if it's reasonable not to have a health insurance or only a very basic one and then pay for check-ups upfront and if there is a critical issue I can get free treatment at the hospital...
- specifically on dental care: I had some x-rays taken and other stuff recently, is this crazily expensive, so I should cover it with insurance?
If I'm getting an insurance, what is reasonable? I looked at Prudential's website, cause they have a calculator. I saw this "PRUmyhealth prestige medical plan" which I understand covers all doctor's visits, so which would be similar to what I had in Germany. But for my age they showed me 760HKD per month just for out-patient care (which I hopefully would never need), but almost 2000HKD per month including in-patient care and 2,5k also including dental stuff. I don't want to pay that much... On the other hand I saw an AXA "Smart Medicare" Plan which costs 180HKD a month for me and for which it says there is no benefit limit for in-patient stuff...
Of course I'll see a broker, but as they are probably trying to talk me into getting the most expensive plan, I just wanted to get some input here at first, as the range of insurance premiums is so wide and I'm not sure what actually is sensible for me.