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Hong Kong expats have access to world class healthcare which is borne out by life expectancy rates well into the 80s for Hong Kong residents. However, world class private healthcare comes at a premium price, and only China and the US rank as more expensive. This makes expat medical insurance in Hong Kong essential.
Although there are no specific vaccinations recommended for visitors or residents in Hong Kong, there are still some health risks specific to the region. Dengue fever is not uncommon and the often poor air quality contributes to respiratory conditions such as asthma. Air pollution problems can cause ear, eyes, nose, throat and chest irritations and may also present problems for those with weaker or compromised immune systems.
Hong Kong’s hospitals are modern and are equipped with the latest equipment and technology. Most doctors speak English, many having been educated and received much of their training in western hospitals and universities.
The public medical facilities in Hong Kong are recognised as being of a very high standard; however, most expats opt for the higher service levels available in private hospitals and clinics.
Some expats do choose to use one of the more than 40 public hospitals or one of the many primary care clinics, although it is important to note that a local ID card is necessary to access the subsidised public system. Patients without a local identification are charged fees similar to those in the private system. When using the public healthcare clinics and hospitals, medical insurance is still strongly advised, as advance payment is often required.
There are 12 British accredited and Hong Kong Department of Health registered private hospitals. All offer the highest standards of care with the additional benefits of shorter waiting times and access to more creature comforts. Having suitable expat medical insurance in Hong Kong ensures access to this better service and the consistency of care and personnel provided at these private facilities.
Healthcare costs in Hong Kong are exceptionally high. To avoid any unexpected and unnecessary burden on your income or savings, expat medical insurance in Hong Kong is a necessity.
There are many different solutions for expat medical insurance in Hong Kong and therefore, the range of benefits and choice of plans can be confusing. Infinity’s experience with the best international insurers allows us to assist with your choice of policy. Speak to us about specialist international medical cover and we can make certain that you have the correct insurance in place for you and your family.