Top-Up Coverage
At Expat Insurance, we carefully review your corporate or group policy, highlight any potential coverage gaps, and recommend tailored top-up solutions. This ensures you have comprehensive financial protection, access to quality healthcare worldwide, and the confidence to face unexpected medical situations.
Who Needs Top-Up Coverage?
Top-Up Coverage is ideal for employees and expats in Hong Kong who rely on an employer-provided medical plan but want stronger protection against high-cost medical events. Corporate plans are often designed to cover the “average” claim — not the worst-case scenario —
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and limits can be exhausted quickly in private hospitals when surgery, specialist fees, and hospital charges stack up.
It’s especially valuable if you want peace of mind without paying for a full second medical policy. A top-up plan allows you to strengthen your protection in a targeted way — so you keep the convenience of your company cover, while removing the financial risk of being underinsured during a serious illness or accident.
Possible Pitfalls We Help You Avoid
Top-up insurance isn’t just “extra cover” — it must match your existing plan properly, otherwise you may still be exposed. One common issue is not understanding corporate plan limits. Many group schemes look generous on paper, but have low caps for surgery, room upgrades,
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diagnostics, or specialist treatment, which can run out fast in a major claim.
Another pitfall is assuming all employer plans cover private hospitals equally. Some policies restrict hospital networks or apply co-payments that employees only discover during treatment. We also help clients avoid deductible mismatches — where a top-up policy is structured incorrectly and doesn’t respond as expected when the company plan reaches its limit.
Relocation is another risk. Expats often change jobs or leave Hong Kong, and without planning, their top-up arrangement may become invalid or difficult to continue. Our role is to make sure your top-up policy is designed for real-world situations — not just a best-case scenario.
Why Work With Expat Insurance?
Top-Up Coverage requires precise design. The best top-up plans are built around one key idea: your employer’s policy should act as the first layer, and your top-up should activate smoothly once limits are reached — without overlaps, confusion, or gaps. That’s difficult to achieve
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without deep experience, because every corporate plan has different benefit structures, exclusions, and claim processes.
Expat Insurance reviews your existing corporate or group policy in detail, explains what it truly covers, and identifies where the risk sits. We then structure top-up options with the right deductible levels, benefit limits, and worldwide features — and we help you choose the best value solution. As independent brokers, we also stay involved long-term, supporting claims, renewals, and adjustments as your job or life situation changes.
What Does Typical Cover Include?
Top-Up Coverage is designed to extend your protection beyond your employer plan, especially for expensive hospital events. Depending on plan design, typical cover can include higher annual and lifetime limits, additional hospital and surgical protection, emergency and critical
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illness support, and worldwide benefits for expats and frequent travellers.
A key feature is the ability to customise deductibles, so you only pay for the layer of protection you actually need — making it far more cost-effective than buying a full standalone policy. Done properly, a top-up plan protects you from the “big bill shock” that happens when corporate limits run out — ensuring your coverage continues when it matters most.
Let's Get Your Insurance Done Right
Buying a top-up policy alone can be confusing — it’s not just about finding “more coverage,” but about making it fit perfectly with what you already have. That’s where our expertise matters most.
We start with your existing plan.
We review your company or group insurance and identify hidden shortfalls.
We tailor your top-up options.
We design custom deductibles and benefit levels that balance value and cost.
We negotiate on your behalf.
We secure preferred pricing and expanded benefits through our insurer network.
We stay connected.
We assist with claims, renewals, and adjustments whenever your circumstances change.
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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.
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.
This isn’t an exception but a daily occurrence in Hong Kong, where a single medical incident or unforeseen illness can escalate into serious financial strain. The line between protection and risk usually lies in having the right coverage.
