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Private health insurance recommendations

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  1. #1

    Join Date
    Mar 2012
    Posts
    4

    Private health insurance recommendations

    Hello, I'm looking for recommendations on private health insurance plans (insurers and specific plans) for a single person. I've had a look at AXA, BUPA, and Cigna's websites, but I'm not able to get the full details on their various plans, aside from BUPA. And from what I could find with BUPA, the most it will cover for a GP is around $450, and I'm hoping for a higher amount or full coverage if possible.

    I'm less concerned about in-patient hospital or critical illnesses coverage at this point, and more about outpatient coverage. It would need to cover outpatient practitioners not in the insurer's network (e.g. GPs, specialists, physiotherapists) and also have good coverage on labs.

    It may be asking for too much, but if anyone knows of plans that will cover medically-necessary massage therapy (I know this is not common in HK), please let me know.

    Thanks


  2. #2

    Join Date
    Aug 2009
    Posts
    2,351

    you will only get outpatient if you take inpatient. it's a pyramid and inpatient is the base.

    secondly, contact a broker, that's how it works in hong kong

    HK_Katherine likes this.

  3. #3

    Join Date
    Aug 2013
    Posts
    733

    What's your budget?


  4. #4

    Join Date
    Dec 2002
    Location
    ???
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    31,976

    AXA has pretty damn good brochures - so does Manulife and they're all available and allow you to get educated BEFORE you talk to a planner.


  5. #5

    Join Date
    Mar 2012
    Posts
    4

    1K max

    Quote Originally Posted by Mrs. Jones:
    What's your budget?

  6. #6

    Join Date
    Jan 2017
    Posts
    110

    Obviously I don't know your condition enough to make any comments. But have you considered public hospital? From what I gathered, they are pretty good and cheap.

    If you are in need of an insurance policy then go for the top tier ones Manulife vs Prudential. I'd pick Manulife over Predudeitnal as the US policy is generally less restricted.

    BUPA is good if you want to BUPA clinics.


  7. #7

    Join Date
    Dec 2002
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    ???
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    31,976
    Quote Originally Posted by ehkaelle:
    1K max
    Currency? Annual or Monthly?

  8. #8

    Join Date
    Mar 2012
    Posts
    4
    Quote Originally Posted by shri:
    Currency? Annual or Monthly?
    1000HKD monthly

    Yes, I've looked at AXA brochures online, as well as those of a few other companies, but they don't provide full quotes. So just looking for people's recommendations/experiences before I go talk to AXA.

    Quote Originally Posted by shri:
    AXA has pretty damn good brochures - so does Manulife and they're all available and allow you to get educated BEFORE you talk to a planner.
    Yes, I'm fine with the public health system for inpatient treatment, but for regular outpatient care, there are certain GPs/specialists in the private system I prefer seeing. I am just looking for HK coverage, no need for US/worldwide right now.

    Do you know if the BUPA clinics are only those in the Quality HealthCare chain? I couldn't access their network database to check, as I'm not a member.

    Quote Originally Posted by bigcrown:
    Obviously I don't know your condition enough to make any comments. But have you considered public hospital? From what I gathered, they are pretty good and cheap.

    If you are in need of an insurance policy then go for the top tier ones Manulife vs Prudential. I'd pick Manulife over Predudeitnal as the US policy is generally less restricted.

    BUPA is good if you want to BUPA clinics.
    Quote Originally Posted by cookie09:
    you will only get outpatient if you take inpatient. it's a pyramid and inpatient is the base.

    secondly, contact a broker, that's how it works in hong kong
    yes, i'm aware that any plan includes inpatient care; my concern is choosing one that has good outpatient coverage for my needs. my understanding is that it's possible to purchase a plan directly from the insurer -- in person, online or by phone, and a broker is not necessary unless that is your preference.

  9. #9

    Join Date
    Apr 2019
    Location
    fortress hill
    Posts
    11

    I suggesting finding a broker , as there a so many companies with different plans , it’s hard to do all the research yourself


  10. #10

    Join Date
    Sep 2015
    Posts
    129

    12k a year is not a lot and you won’t find a plan that covers you to your level of expectations including “premium GP clinics” that cost more than 450, massage therapy and so on. More premium plans might cover this but will cost much more. Some plans allow you to choose for out of network practitioners but you fork out the difference between their max allowance for non-network and what you paid. That would reduce the wallet pain and still be working your price range.


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