Medical Insurance for a fairly stubborn 27 year old

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  1. #1

    Join Date
    Jan 2009
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    74

    Medical Insurance for a fairly stubborn 27 year old

    Ok, so I'm living in HK on a dependant VISA, from the UK.

    I think I should get medical insurance, as my employment isn't covering it.

    I'm only working freelance however so I'm only willing to pay monthly.

    What is a good insurance plan for me to go after?

    I'm not the kind of person to run to the doctor every time I have the flu, I believe that anything not life altering/threatening is basically cured with patience and sleeping.

    I'm basically worried about hospital costs or critical illness. As I'm the from the UK, whats the situation if I find myself with an illness that will slam me with huge medical bills. Is there an option to fly back to the UK for treatment, or is there plans which cover this type of thing?

    Am I still covered by the NHS in the UK even if I go back there for medical purposes?

    Thanks for any advice


  2. #2

    Join Date
    Dec 2002
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    >> I'm only working freelance however so I'm only willing to pay monthly.

    Can you ask your employer if they'll enroll you in their scheme if they have one for their full time employees? Might be able to get a discounted rate and have it deducted from your monthly salary.

    Also, is there a chance that your spouses medical coverage can be extended to you? Never hurts to ask ...


  3. #3

    Join Date
    Apr 2005
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    Sai Kung
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    if you have a dependent visa, then you also have a HKID.

    with a valid HKID (and accompanying visa) you are eligible to make use of the public hospitals. they are NOT luxurious by any stretch of the imagination, BUT they provide decent care for VERY LITTLE cost.

    the per night fee for a public hospital in a general ward is only $100.... you can't beat it.


  4. #4

    Join Date
    Jun 2005
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    As cara says, the public health service here is as good as the NHS and you're covered. If the NHS would be good enough for you in the UK then you don't need insurance here.