About Us
Who We Are
Independent Advice, Tailored Protection
When you’re living and working in Hong Kong, insurance isn’t just a formality — it’s your safety net when life throws the unexpected your way. At Expat Insurance Hong Kong, we exist to make sure that no individual, family, or business ever faces uncertainty without the right protection in place.
We’re an independent insurance broker, which means we don’t work for the insurers — we work for you. With access to over 30 international and local providers, we can compare, negotiate, and tailor solutions that fit your needs rather than force you into a one-size-fits-all policy. Our team is made up of professionals who understand both the international expat lifestyle and the unique insurance landscape in Hong Kong.
Expat Insurance Offers the Whole Range
Our advice is 100% independent, we comparing plans across 30+ trusted global insurance providers to find your perfect fit.
Our Story and Purpose
Clarity, Confidence, and Real Protection
Too often, clients come to us frustrated after trying to deal directly with insurers. Policies are complex, exclusions are hidden in fine print, and what looks affordable on paper can end up costing a fortune when disaster strikes. We’ve seen families hit with hospital bills of HK$100,000+ for maternity care, employers caught in the middle of employee disputes because their mandatory insurance had critical gaps, and individuals left struggling because their “comprehensive” plan didn’t fully cover cancer treatment outside a hospital.
Our role is to change that experience. We exist to explain policies clearly, ensure you understand exactly what you’re covered for, and prevent the “nasty surprises” that happen when people go it alone. Insurance isn’t about ticking a box — it’s about peace of mind, knowing that you and the people you care about are protected.
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.
How We Work With You
Protection with Integrity
We’ve built our process around making things simple, transparent, and completely client-focused at every step.
Talk to Us About Your Needs
We listen first. Your requirements, budget, and priorities are what guide our recommendations.
Compare and Discuss Options
We show you side-by-side comparisons of the most suitable plans, so you can clearly see what’s covered and what’s not.
Get Insured, Quick and Easy
Once you’ve chosen a plan, we handle the paperwork and get you covered with minimal hassle.
Protect What Matters With Confidence
Don’t wait until an emergency strikes to realise your coverage isn’t enough. With expert guidance from Expat Insurance, you can be certain that your health, home, and future are fully protected.
Why Clients Choose Us
Service That Truly Cares
Our clients tell us that what makes Expat Insurance different isn’t just the policies we recommend, but the relationship we build:
We take the time to explain complex details in clear language.
We advocate for you with insurers when claims or renewals get complicated.
We focus on what we’d choose ourselves if we were in your shoes.
We provide ongoing reviews, so your cover grows and adapts as your life changes.
Above all, we care. When disasters happen, our clients know they can call us and speak to a real person who knows their situation. And when things are going smoothly, they know they can still count on us to check in and make sure their protection remains strong.
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 aren’t rare exceptions — they’re everyday realities in Hong Kong, where a single hospital stay, accident, or unexpected illness can quickly become a financial crisis. The difference between being protected and being exposed often comes down to one thing: having the right policy in place.
Our Promise
Your Long-Term Insurance Partner
At Expat Insurance Hong Kong, we don’t believe in one-off sales or transactional relationships. We believe in being your long-term insurance partner, standing beside you today and tomorrow.
Whether it’s helping an individual secure comprehensive medical insurance, guiding a family through maternity coverage, or advising a corporation on benefits for hundreds of employees, we’re here to ensure that the protection you pay for is the protection you actually get.
Because at the end of the day, insurance is about trust. And our promise to you is simple: we’ll earn that trust every step of the way.
Our Agents
Professional & Reliable
At Expat Insurance Hong Kong, our team brings together experienced advisors, licensed brokers.
What Client Say About Expat Insurance
Clients value how Expat Insurance Hong Kong explains policies clearly and provides personalized guidance, ensuring they feel confident and protected in every situation.
Contact Us to
Make An Appointment
Ready to protect yourself and your family with comprehensive expat insurance in Hong Kong? Whether it’s medical, life, or personal protection, we make finding the right plan simple and stress-free.
Booking with Expat Insurance Hong Kong is fast and hassle-free. Just fill out the short form below, and our team will be in touch within 24 hours to discuss your needs and recommend the best coverage for you.
Call us for a quote today!
+852 3563 9771
