private/expat insurance?

[PDLM]

We're not going to get anywhere by debating this.

My view is clear that if I fall ill in the US my first priority is to get somewhere else - ideally HK since that's where I can get treatment for free (or at least I've already paid for it through my taxes) and I believe I will get medical treatment based on effectiveness, not on the profit to the hospital. There is a remarkable correlation in the US, I believe, between what the medics call "best" and what those who pay call "most expensive". I don't think this is either a coincidence or based on medical grounds. The more treatments they can propose and the longer they can keep you alive, but in hospital, the more money they will make. That is completely the wrong way to have a medical service incentivised.

[jgl]

Insurance that would fly you back to the States for treatment... hmm. Isn't that the world's most expensive market for medical care? In which case you should be able to get a US-based policy pay pay through the nose for premiums. This is what one of my relatives is doing- she lives in HK much of the year but has very expensive US-based insurance. She might be classified as US-resident though... I have never checked.

Let's not get into yet another bloodly US healthcare debate... there are enough of those on the internet and print media...

[johnnw30]

Campas12,

I know an IFA broker here who have different insurance providers which could provide you both HK and overseas medical insurance cover.

If you are interested to know more, you can pm me.

Johnny

[MovingIn07]

I have a US-based private medical care provided by my US-based company that sounds pretty similar to what you have now (global coverage). They have an option that you can (as an individual) take out a similar policy to continue coverage if you leave the corporate scheme. You may want to look at your existing policy to see if it has the same - continuation may well be cheaper, particularly if you have not claimed much and they know your history, to get the same high level of coverage you clearly desire.

Personally I would not bother if I left my firm as I think it's unnecessary and would take out a local policy plus travel insurance, but I thought I'd mention it as you might want to check.