Hospital & Surgical Insurance
Even with Hong Kong’s exceptional healthcare, hospital costs can be shockingly high. A few nights in a private hospital can easily exceed HKD$100,000, and surgical procedures often add even more. For expats and international families, these expenses can become overwhelming — especially without the right insurance in place.
Who Needs Hospital & Surgical Insurance?
Hospital & Surgical Insurance is ideal for expats, families, and professionals in Hong Kong who want strong protection against the biggest medical costs — hospitalisation, surgery, and inpatient treatment. In a city where private hospitals deliver excellent care but
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charge premium rates, even a short admission can quickly become a six-figure bill.
This type of cover is especially valuable if you want a cost-effective medical foundation. For healthy individuals who rarely visit doctors, Hospital & Surgical Insurance can provide peace of mind for emergencies without paying the higher premiums that come with full outpatient coverage.
Possible Pitfalls We Help You Avoid
Hospital plans can appear straightforward, but the real risks are hidden in limitations. One major gap is cancer treatment pathways: some hospital-only plans cover cancer care only when you are admitted, while much of treatment can happen through outpatient clinics (specialist
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consultations, chemo sessions, scans, follow-ups). We help ensure your plan responds properly in real life — not just in theory.
Room limits are another common issue. Many policies restrict you to semi-private wards or apply co-payments if you choose a private room. We help you understand room entitlements clearly and select limits that match how you actually want to be treated. We also review exclusions upfront to reduce the risk of claim disputes, and we guide clients toward realistic annual and lifetime limits so they don’t run out of cover after one major medical event.
These are the kinds of surprises that only show up when you’re already in hospital — and our job is to make sure they never happen.
Why Work With Expat Insurance?
Hospital & Surgical Insurance is not “one-size-fits-all.” Two plans can look similar on the surface, but differ dramatically in how they define hospital admission, specialist charges, intensive care, pre/post hospital treatment, and what is considered eligible medical expenses. Those
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details determine whether you are truly protected — or left paying large gaps yourself.
At Expat Insurance, we compare options across 30+ insurers and explain the real differences in plain language. We also help negotiate stronger terms where possible — such as better room limits, higher payouts, and access to direct billing networks — and we stay with you long-term, supporting claims, renewals, and policy upgrades as your life changes.
What Does Typical Cover Include?
Hospital & Surgical Insurance is designed to protect you from high-cost medical events, especially accidents and serious illness. Depending on the plan structure, typical cover can include hospital room and board, surgeon and anaesthetist fees, specialist charges, theatre costs,
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medication and consumables, emergency care and intensive care, and approved pre- and post-hospitalisation consultations and diagnostics.
Many plans also offer direct settlement / cashless billing for approved hospitals, which reduces stress during emergencies. Done properly, this cover ensures you are protected not only for the operation itself, but also for the real-world hospital bill components that quickly add up — and often catch people off guard when they buy without expert guidance.
Let's Get Your Insurance Done Right
Choosing a hospital insurance plan alone can be confusing — many policies hide critical limitations in the fine print. Our job is to help you understand every detail before you buy, so you get real coverage, not surprises.
We start with your health goals.
We learn about your medical history, personal needs, and treatment preferences.
We simplify comparisons.
We present side-by-side options from 30+ insurers and explain their real differences.
We negotiate for you.
We secure better room limits, higher payouts, and direct billing privileges.
We stay by your side.
We assist with claims, renewals, and policy adjustments — every year, every time.
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How Can We Help you?
Fill in your details, we’ll be in touch to answer your questions. No hard sell. Just the friendly help you need. We’ll get back to you to you within 24 hours. Or on the next business day if it’s now after hours.
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Our Simple Process
Talk to us about your needs
We learn your budget, lifestyle, and health priorities.
Compare your best options
We present suitable plans side-by-side in clear language.
Get you insured quickly
We handle the applications, forms, and negotiations.
Stay with you long-term
Each year, we review your policy and help with claims.
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Why Our Clients Are Satisfied
Our service consistently exceeds expectations. But don’t just take our word for it—here’s what our customers have to say!
Real Stories That Show the Difference
An airline executive broke his ankle and faced a HKD 270,000 hospital bill. His company scheme only covered half. A broker-arranged plan filled the gap, saving him HKD 120,000.
A young expat couple secured comprehensive cover before starting a family. When faced with complications, their policy saved them from six-figure maternity costs.
An American professional developed cancer just months after taking out coverage. Because he had comprehensive, worldwide cover, he was able to choose treatment both in the US and Hong Kong.
These situations aren’t unusual—they’re common experiences in Hong Kong, where one hospital visit, accident, or sudden illness can rapidly turn into a financial emergency. Whether you’re secure or vulnerable often depends on one factor: the insurance you have.
