Top-Up Coverage
Our goal is to help you strengthen your existing medical protection —
so unexpected hospital bills or treatment costs never leave you financially exposed.
With Top-Up Coverage, you can stay fully protected, even if your company plan falls short.
About Top-Up Coverage
Added Protection for Greater Peace of Mind
Many employees in Hong Kong rely on company-provided medical plans. While convenient, these policies often include low benefit limits or restricted hospital coverage. A serious injury or illness can quickly exceed those caps — leaving you to pay large amounts out of pocket.
That’s where Top-Up Coverage steps in. This flexible solution enhances your existing health plan by increasing your annual, lifetime, and surgical limits. At Expat Insurance, we review your corporate or group policy, identify potential shortfalls, and recommend top-up options designed to bridge the gaps — giving you complete financial protection and global confidence.
Why Choose Top-Up Coverage?
Top-Up Coverage provides a cost-effective way to extend your current protection. Instead of buying a full policy, you only pay for what your company plan doesn’t cover — ensuring comprehensive coverage without duplication or excess costs.
What Does Top-Up Coverage Include?
- Higher annual and lifetime benefit coverage limits
- Full hospital and surgical coverage for additional expenses
- Enhanced critical illness and emergency protection
- Customisable deductible options to lower premiums
- Worldwide medical benefits for expats and frequent travellers
- Seamless coordination with your corporate insurance
With a Top-Up Plan, your employer’s insurance acts as the first layer, covering initial costs. Once those limits are reached, your top-up policy continues to pay — keeping you protected from potentially devastating bills. It’s an easy, affordable solution that gives you the freedom to choose better care without financial stress.
We’re not here to sell an extra policy — we’re here to ensure your existing coverage truly protects you, no matter what happens. With clear comparisons and transparent advice, we help you find a plan that fills every gap.
Why Work With Expat Insurance?
Independent Guidance. Smart Protection. Honest Advice.
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.
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
Corporate plan limits: Many company policies cap benefits too low for private hospitals. We ensure sufficient coverage for serious conditions.
Uncovered surgeries: Employer insurance often excludes expensive procedures. We make sure your top-up fills those gaps.
Out-of-pocket shocks: We prevent unexpected expenses that appear once group limits are exceeded.
Relocation issues: If you leave your employer, we help you convert or transfer your top-up plan to maintain protection.
These are just a few situations where expats find themselves underinsured without realising it. With 15+ years of experience, Expat Insurance ensures that every client receives the right top-up coverage — designed to protect, not overlap.
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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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
