Comprehensive Medical Insurance
Our mission is to protect you and your family from the financial stress
of
medical costs — so you can focus on living life in Hong Kong, not worrying about bills.
About Comprehensive Medical Insurance
Protecting Expats, Families & Businesses
Medical costs in Hong Kong can be staggering. A simple hospital stay or routine surgery can cost tens of thousands of Hong Kong dollars, while more serious conditions can quickly rise into the hundreds of thousands. For expats and international families, the risk is even higher: without the right coverage, you may be left paying private hospital rates out-of-pocket.
That’s why Comprehensive Medical Insurance is one of the most important policies you can put in place. But buying insurance isn’t just about picking a plan from a list. It’s about having someone on your side — someone who understands the fine print, can anticipate the risks, and will make sure you are covered when it matters most.
Why Comprehensive Medical Insurance?
Unlike basic hospital-only plans, comprehensive cover ensures you and your family are protected for both big-ticket emergencies and everyday medical needs. Depending on your plan, this can include:
What Does Comprehensive Medical Insurance Cover?
- Hospital & surgical expenses
- Critical illness support
- Dental and optical treatment
- Maternity and newborn coverage
- Cashless billing for outpatient care (no reimbursement hassle)
- Worldwide treatment options
- Outpatient visits (GP, specialists, physio, psychiatric care)
That’s why Comprehensive Medical Insurance exists: to cover you not just for emergencies, but for the full range of healthcare needs — hospital, surgical, outpatient, maternity, and more. And that’s why working with Expat Insurance makes all the difference.
For expats, one of the greatest advantages is worldwide portability. With the right plan, you can change jobs, relocate to a new country, or choose to have surgery abroad — without losing your coverage or facing exclusions for conditions you developed while in Hong Kong.
Our goal isn’t to “sell a policy.” It’s to make sure you have the right protection at the best price — and the confidence that someone’s always got your back.
Why Work With Expat Insurance?
Trusted Guidance. Proven Protection.
Buying medical insurance directly is risky. Policies look similar on the surface but often contain exclusions and limits that only become clear in a crisis. We’ve seen too many expats caught off guard when their policy didn’t cover what they assumed it would.
We start with your needs.
We ask the right questions about your health, lifestyle, and plans — so we know what matters most.
We compare policies clearly.
With access to 30+ insurers, we put options side by side and show you the real differences.
We advocate for you.
We use our insurer relationships to negotiate better terms and step in when claims are delayed.
We’re with you for the long haul.
From renewals to policy reviews, we don’t disappear after the sale.
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.
Possible Pitfalls We Help You Avoid
Cancer care gaps: Some hospital-only plans cover treatment only during inpatient stays. We make sure your plan includes full outpatient cancer care.
Maternity surprises: Many plans have 10–24 month waiting periods. We’ll help you plan ahead so you’re covered before you need it.
Top-up blind spots: Employees relying only on corporate plans often discover low limits too late. We help you add cost-effective top-up cover.
Worldwide portability: Cancel a local-only plan when you relocate and you may lose coverage for existing conditions. We ensure your plan can move with you.
These are just a few examples of where people can run into surprises if they don’t know exactly what they’re getting covered for. We’ve seen these scenarios hundreds of times over the years, and that experience allows us to guide you clearly and confidently.
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.
We Ensure Professional Insurance Services
Need Other Insurance Services?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
Corporate / Group Insurance
Flexible group plans promoting team well-being for long-term business success, and increased staff retention for your business.
Business Insurance
Protects your company from property damage, liability, and income loss — ensuring long-term stability and business resilience.
Property Insurance
Safeguards your home and lifestyle from fire, theft, or accidental damage, keeping your property secure for your peace of mind secure.
Life Insurance
Ensures your family’s financial security and peace of mind, helping them maintain stability and avoid additional life stress if the unexpected happens.
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.
testimonials
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!
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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
