Medical
Insurance
At Expat Insurance, we take the time to understand your health needs, lifestyle, and long-term plans, then advise solutions to protect you and your family from the real cost of private healthcare. From everyday outpatient care to major hospital treatment, maternity, and serious illness, we help you secure medical insurance that works in Hong Kong and worldwide.
Why Medical Insurance Matters?
Healthcare in Hong Kong is world-class, but it is also expensive. Even routine procedures can escalate quickly once specialist fees, diagnostics, hospital room charges, operating theatre costs, medication, and follow-up treatment are added together. For expats and international families using private hospitals, these costs can create significant financial stress without the right cover in place.
Medical insurance exists to protect you from these risks. Without adequate protection, a single illness, accident, or pregnancy can result in large out-of-pocket expenses — especially when treatment extends beyond a short hospital stay or requires ongoing care.
What Types of Medical Insurance May You Need?
International Medical Insurance – Provides broad inpatient and outpatient protection, often with worldwide coverage, higher annual and lifetime limits, and options such as cashless billing and freedom to choose doctors and hospitals. LEARN MORE
Hospital & Surgical Insurance – Covers costs related to hospital admissions and surgical procedures, including operating theatre fees, surgeon and anaesthetist charges, room costs, and inpatient treatment. LEARN MORE
Top-Up Coverage – Designed to sit above employer medical schemes or basic plans, increasing annual and lifetime limits to reduce exposure to large hospital bills. LEARN MORE
Maternity Insurance & Newborn Coverage – Covers pregnancy-related medical expenses such as prenatal care, delivery, hospital stay, and in some cases complications and newborn cover, subject to waiting periods. LEARN MORE
Critical Illness Insurance – Provides lump-sum payouts for serious conditions such as cancer, helping cover treatment costs, recovery, and income disruption. LEARN MORE
Clear Advice. Stronger Protection
We help you avoid assumptions by explaining coverage in plain language and ensuring you understand how it works for you.
We start with your needs.
We discuss your health priorities, family plans, employer benefits, and budget before recommending coverage.
We compare policies clearly.
We compare leading insurers side-by-side to highlight meaningful differences in limits, benefits, and exclusions.
We Manage Everything.
From applications and renewals to claims support, we deal directly with insurers on your behalf.
We’re with you for the long haul.
As your circumstances change — relocation, family growth, or career moves — we help adjust your coverage accordingly.
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How Can We Help you?
Medical insurance is not just about buying a policy — it’s about making sure it works when you need it most. 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 one business day.
We Ensure Professional Insurance Services
Need Other Insurance Products?
Medical Insurance
Comprehensive coverage for individuals and families — from hospital and surgical care to maternity and critical illness protection.
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Flexible group plans can help promote 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
Provides financial security and peace of mind for your family, helping them stay stable and avoid any further stress if the unexpected occurs.
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.
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!
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.
