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Question about Health Insurance in Hong Kong

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  1. #61

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    The closest thing I found when looking for something like that was a policy with a very high excess (from memory I think it was some tens of thousands of HK$). That was reasonably cheap and covered against the stuff that was very unlikely to happen but if it did the treatment would be unaffordable for me. Obviously all the stuff under the excess amount I would simply pay myself directly.

    Apocryphally, I've heard that there may be two price lists for many private medical services in Hong Kong, depending on whether you have insurance or not, so that might be worth investigating a little further as well.


  2. #62

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    Gruntfuttock : Public Hospitals have best doctors, no doubt about it. However the wards are crowded, overloaded, nurses are in short supply. At night it is difficult to sleep, what with patients crying in pain, sudden emergencies, etc. Distance between beds is hardly 2 feet. Total lack of privacy. Also strict visiting hours for family members. Food is not appetizing. If you are there for few days, may be ok. If you have to stay months then it is a night mare.( These observations are from personal experience)

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  3. #63

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    I was under the impression, perhaps wrongly because I can't immediately find anything about this on the HA website, that it is possible to pay HK$1-2,000 per day to "upgrade" from a ward to a semi-private or private room whilst otherwise remaining within the public treatment regime. Have I got that wrong?


  4. #64

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    Quote Originally Posted by Gruntfuttock:
    I'm really curious here. I haven't spent HK$45K on medical services in total in my entire 50 year life. Is it really normal for people to spend more than $45K per year on medical services?
    You are fortunate to be in such good health. A relative of mine had cancer and used a mix of public/private health care in HK. The bills netted out $300k. While the chemo was done at the public hospital, PET scans, tests were done privately as the public system has a waiting list. When you have cancer, waiting 2 weeks for a scan or test can feel like a life time. In addition, the public system does not cover the cost of all drugs. There is a list of subsidised drugs, and if the drug you need is not on the list, you either go without or purchase at your own cost.

    In terms of the cost of having a baby in a private hospital, the cost for the birth alone can easily be $100-150k (not counting complications). Even if we keep the policy for a few years, we are still ahead, compared to having to pay for the full cost of treatment.

  5. #65

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    So how does the insurance company make a profit then?


  6. #66

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    Quote Originally Posted by Gruntfuttock:
    So how does the insurance company make a profit then?
    (1) Presumably the female insured usually maintains the insurance longer than a couple of years, during which time the number high cost claims (such as birth) decreases.

    (2) Men for obvious reasons do not claim expensive items such as child birth during the period of insurance.

    (3) Insurance companies use the premium for investments.
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  7. #67

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    Check the Hospital Authority web for charges in a private room.

    Quote" Have I got that wrong?" Yes .

    Not possible: First, it is difficult to get a private or semi private room.
    2nd: If you are lucky to get the semi private room: $3,780/ Private room $5,540.
    3rd: If you are either in semi private or private room, you pay full charges for all medicines, doctor visits, blood tests etc. Charge for the Doctor visit ranges from $1K to $3K depending on the seniority. God forbid you need a surgical operation, then your total bill will be more than you would pay in a private hospital
    In the general ward, you pay $100/ all inclusive. ( Blood tests, radiology, surgery whatever is required) There are some medicines for which you have to pay.
    Please check HK Sanatorium private room rates. They are lower than Queen Mary.

    Quote Originally Posted by Gruntfuttock:
    I was under the impression, perhaps wrongly because I can't immediately find anything about this on the HA website, that it is possible to pay HK$1-2,000 per day to "upgrade" from a ward to a semi-private or private room whilst otherwise remaining within the public treatment regime. Have I got that wrong?
    Last edited by Oldtimer; 02-08-2013 at 08:57 PM.
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  8. #68

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    Quote Originally Posted by Gruntfuttock:
    I was under the impression, perhaps wrongly because I can't immediately find anything about this on the HA website, that it is possible to pay HK$1-2,000 per day to "upgrade" from a ward to a semi-private or private room whilst otherwise remaining within the public treatment regime. Have I got that wrong?

    It's not that easy to upgrade at Queen Mary. They have very few private beds and civil servants get priority.
    Last edited by shri; 03-08-2013 at 12:09 AM.

  9. #69

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    Fyi I think a few companies actually offer out patient only.


  10. #70

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    I know this is an old post, but I'll add my 2 cents.
    I have Bupa Healthnet and it's horrible....
    I need to see a regular doctor inorder to get a signed letter to see a specialist eg: podiatrist, even tough I know it's a foot problem.
    Customer service is poor. Before I signed up, I looked through their directory of doctors in the plan. Turns out it's not up to date at all


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