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Emergency health cover

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  1. #1

    Join Date
    Nov 2019
    Posts
    1

    Emergency health cover

    I have to apologise if I’m asking in the wrong section. My son is going to HK next week teaching English and I know HK has a great health care system very much like Uk NHS but my question is what would happen if something serious happened and we needed to fly him home. The company doesn’t offer emergency medical cover. I have looked here and travel Insurance only seems to be for approx 1 month not 12. Am I looking In the wrong place. Any help appreciated
    Thanks


  2. #2

    Join Date
    Sep 2018
    Location
    Causeway Bay
    Posts
    99
    Quote Originally Posted by Debz66
    I have to apologise if I’m asking in the wrong section. My son is going to HK next week teaching English and I know HK has a great health care system very much like Uk NHS but my question is what would happen if something serious happened and we needed to fly him home. The company doesn’t offer emergency medical cover. I have looked here and travel Insurance only seems to be for approx 1 month not 12. Am I looking In the wrong place. Any help appreciated
    Thanks
    He will be an HK resident so will need a local health plan from a company like Bupa, Prudential, AXA, AIA etc. The cheaper plans will run at around HK$1k/month going up to several thousand. I am not sure if they will cover "repatriation" though because he will be an HK resident so any repatriation would be back to Hong Kong. Also note that your son will be ineligible for NHS healthcare since he will no longer be a UK resident.
    Last edited by jlw90; 08-11-2019 at 12:21 AM. Reason: goodest english

  3. #3

    Join Date
    Jan 2010
    Posts
    2,913
    https://www.avi-international.com/en...xpat-insurance

    Repatriation is to "home country", not country of residence

  4. #4

    Join Date
    Feb 2011
    Location
    Hong Kong
    Posts
    6,331
    Quote Originally Posted by Debz66
    I have to apologise if I’m asking in the wrong section. My son is going to HK next week teaching English and I know HK has a great health care system very much like Uk NHS but my question is what would happen if something serious happened and we needed to fly him home. The company doesn’t offer emergency medical cover. I have looked here and travel Insurance only seems to be for approx 1 month not 12. Am I looking In the wrong place. Any help appreciated
    Thanks
    How old is your son and is he in good health? Do you expect something might happen?

    I am originally from the states, and I always felt uncomfortable about medical issues in the states. Even though I worked for the federal government and was insured, the insurance still doesn't cover everything and has high deductibles.

    In HK, I felt much more comfortable knowing that I can afford to get medical care regardless of the case. If you are sick, call 999 (emergency hotline) and an ambulance will be at your home in 5-10 minutes, its very efficient and its free. I've only used ambulance service myself personally once. Ambulances will take you to public hospitals, and if your condition is not serious, then you would have to wait a long time, but for serious issues, I have been able to been seen, x-rayed and diagnosed within 2 hours. I believe the cost was HK$180 (the flat rate for A&E). Before it was cheaper but they recently raised the cost.

    I also had some other non-urgent issues, ear infection, in which I went to A&E and was referred to a specialist the next day. Each time you go, you have to pay the fee, and additional fees for medication. Some locals have mentioned they would need to wait years to get care. I'm not sure what issues they have or what issues warrant such a long wait, but I have had very good experiences with HK health care.

    Even if you have a serious incident, I think HK is a good place to get care. The public hospitals are nothing fancy, and if you have something serious you would want to go to private hospital. You can buy HK insurance but you'll need to decide if you want a private room or not, cover limits. I do not think any insurance would send you back to UK, usually if you are "traveling" and get sick overseas, you will have cover to go back home. In this case, HK is his home.

    I'm assuming your son is a young healthy guy in his 20s, and you have nothing to worry about. Tell him to stay away from Wan Chai and the protests, and you'll be fine. If he won't follow those things, then you might look into some expensive insurance plan to cover him.
    shri and jgl like this.

  5. #5

    Join Date
    Jul 2008
    Location
    Hong Kong side
    Posts
    1,167
    Quote Originally Posted by Debz66
    I have to apologise if I’m asking in the wrong section. My son is going to HK next week teaching English and I know HK has a great health care system very much like Uk NHS but my question is what would happen if something serious happened and we needed to fly him home. The company doesn’t offer emergency medical cover. I have looked here and travel Insurance only seems to be for approx 1 month not 12. Am I looking In the wrong place. Any help appreciated
    Thanks
    Your are correct to get emergency medical evacuation cover back to uk if the need arises . Since he can access local medical public service here private cover for that is optional : so essentially go on line and get cover for evacuation to home country uk from Asia since he will probably travel nearby to China Macau etc etc . International sos are very reliable and experience : just purchase the evacuation cover direct from them : axa would be an alternative . If your son had an accident or similar in Hong Kong the cost of sending him back to uk for convalescent would be very high ' axa are cheaper but they are less responsive and reliable in an emergency