Recommendations for Individual Health Insurance - TCM

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  1. #1

    Join Date
    Apr 2020
    Posts
    2

    Recommendations for Individual Health Insurance - TCM

    Does anyone have recommendations for individual health insurance policies with extensive coverage on Traditional Chinese Medicine outpatient benefits? I have had policies by my employers that offered HKD 500 max per visits, which is barely enough. I also had another policy by another employer that offered approx. USD 1,500 per policy year (co-payment of 20% by the patient) but these were barely enough. The doctor that I go to charge over HKD 700 just for consultation, and of course with the added cost for the actual medicines, I need a better coverage. Appreciate your comments!


  2. #2

    Hey Liorn,
    HKD 500 per visit / USD 1,500 per policy year is rather generous in the Hong Kong as you know Chinese Medicine can cost a fortune.
    Of course, i am sure medical provide can provide a better coverage consider an increase in premium.

    Doctors that are charging HKD 700 for consultation is on the high side, did you consider changing doctors instead?


  3. #3

    Join Date
    Apr 2020
    Posts
    2

    Hey aaron1728,

    Thanks for the reply. I do quite like my Chinese doc, knowing this is on the expensive side.

    My current provider does not offer better coverage for TCM even if I pay more premium, and this is why I am open to other insurance providers as long as they have better TCM coverage.