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Question about Health Insurance in Hong Kong

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  1. #31

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    Quote Originally Posted by balancedequatio:
    Is the CAT scan not covered and expensive in HK, thus it was done in Bankok? I know in the US that there is sometimes a wait time to use the CAT scan not due to insurance approval, but just usage time for a limited resource at a hospital.
    No - the guy splits his time between HK and Bangkok - he just happened to be there when the incident occurred that led to the first scan being done. The follow-up in Hong Kong involved a couple of consultations and finally a more sophisticated scan.

    Basically in Hong Kong, all the best equipment is available on the public system - the main hospitals are also the teaching hospitals for the university medical schools here (and those schools are world-renowned in a number of fields). The only issue on cost is sometimes on new / experimental drugs where the efficacy is not yet proven, or if you make some other personal choice to override the physicians recommendation on drugs - then you would need to pay yourself. As I noted earlier some implants are also, I think, charged at cost, and especially if you want a more expensive one than "standard".

  2. #32

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    What's remarkable is that HK is capable of providing all this for such a low rate of taxation - unlike the UK where the NHS seems to be a black hole for funds - how/why is this do you think?


  3. #33

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    Because the tax is collected through land premiums on property developers which are then passed on to us as higher property prices.

    Khema likes this.

  4. #34

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    Quote Originally Posted by PDLM:
    Because the tax is collected through land premiums on property developers which are then passed on to us as higher property prices.
    Aha! (All the more reason to live on a boat then!)

  5. #35

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    BUMPING UP

    I still have a similar question - basically what I want is health insurance for the "minor stuff" that isn't a major illness but which I don't want to hang around waiting for in the public system.

    We currently have Blue Cross (company paid for) and I went to a couple of doctors this week and found it rather lacking. While the GP was fine (all paid for), the specialist had a bunch of tests and procedures that were not covered so I had to pay (HKD1250 in total).

    Is there a better insurance provider that covers a wider range of misc bits and pieces?

    Also, our dental cover only covers us if we go to a special list of dentists - my dentist which I like not being on the list. So far I prefer to stick with the good dentist so that cover is worthless, so ideally I'm looking for something that actually does cover all the "normal" stuff that is needed, less concerned about the fancy hospital care.

    Any ideas?


  6. #36

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    Anything that covers all "normal" stuff must cost more than you get back, on average, otherwise insurance companies would not be viable businesses.


  7. #37

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    Quote Originally Posted by Gruntfuttock:
    Anything that covers all "normal" stuff must cost more than you get back, on average, otherwise insurance companies would not be viable businesses.
    It's a business policy so it's not about personal risk assessment. Medical insurance is expected by most professionals irrespective of worth. And convenience is worth money too.

    Anyone else actually got any suggestions?

  8. #38

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    I'll ask a couple of insurance brokers who work with us.

    In the mean time - this might be worth looking at.

    http://www.qhms.com/servicesoffering...teprogram.aspx

    MovingIn07 likes this.

  9. #39

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    Quote Originally Posted by MovingIn07:
    It's a business policy so it's not about personal risk assessment. Medical insurance is expected by most professionals irrespective of worth. And convenience is worth money too.

    Anyone else actually got any suggestions?
    So the business should just pay their medical bills on the same basis. Why are you determined to reduce your business's profit?

  10. #40

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    Quote Originally Posted by MovingIn07:
    I still have a similar question - basically what I want is health insurance for the "minor stuff" that isn't a major illness but which I don't want to hang around waiting for in the public system.

    We currently have Blue Cross (company paid for) and I went to a couple of doctors this week and found it rather lacking. While the GP was fine (all paid for), the specialist had a bunch of tests and procedures that were not covered so I had to pay (HKD1250 in total).

    Is there a better insurance provider that covers a wider range of misc bits and pieces?

    Also, our dental cover only covers us if we go to a special list of dentists - my dentist which I like not being on the list. So far I prefer to stick with the good dentist so that cover is worthless, so ideally I'm looking for something that actually does cover all the "normal" stuff that is needed, less concerned about the fancy hospital care.

    Any ideas?
    We got this from one of the brokers we work with: http://hk.ccw-global.com/

    Hi Movingin07

    From your post it sounds like you’re looking for an Outpatient Only policy. Is that assumption correct?

    Unfortunately, a standalone Outpatient policy is not available from any of the local or international health insurance providers operating in Hong Kong; you’re always going to have to purchase in-patient coverage in order to access outpatient protection.

    It also sounds like you’ve got a local health insurance policy through Blue Cross, which has a number of drawbacks (especially when compared against an international health insurance option). As you’ve discovered, 2 of the primary drawbacks are A) Sublimits, and B) Restrictive care networks.

    Local health insurance companies like Blue Cross and Bupa Hong Kong often place a number of sublimits on various coverage benefits, and will tend to offer full protection only when you’re receiving care with a preferred healthcare provider. The problem with this is that your family doctor (or dentist, in this case) may not be with the insurer’s network, and in the event of a serious investigation into a health problem the sublimits will mean that you’re always going to have to handle a portion of the final bill out of pocket whether you want to or not.

    Your only real option is to look at an international provider (like Allianz Worldwide Care, Bupa International, or Cigna Global Health) which tend to cover more of the “everyday” healthcare you’ll require; but the big drawback to products from these companies is that they will normally be much more expensive than the options from one of the local companies. Although, in return for a higher premium you’re going to be receiving higher coverage limits and better claims handling (with far more expansive direct settlement options).

    But as stated, no matter whether you go for an international insurance option, or a local one, you’re still going to need inpatient protection before you receive any outpatient or dental coverage. However, many companies (Allianz Worldwide Care, for example) offer modular coverage options so you can have a choice in what protection you’re going to be receiving under the policy – giving you a sort of “pick and mix” ability where you are able to choose what coverage you would like to see (which will help you cut down on the costs).

    Going into all of the differences between local and international health insurance options will require a much more extensive answer, but you can get more information about your choices on these two different health insurance variants at http://hk.ccw-global.com/health-insu...ional-options/.
    Last edited by shri; 02-08-2013 at 11:55 AM.

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