Comprehensive Medical Insurance
There are lots of Medical Insurance policies available, but few are suitable for Expats. Our goal is to provide you with the most comprehensive and affordable Health Insurance available. The first step in this process is to understand your needs and priorities.
In our consultation process, Expat Insurance will advise which Medical plans offer worldwide cover, giving you the flexibility to seek treatment in your Country of choice.
If having the freedom to choose your own doctor or specialist is important, we can recommend Medical Insurance plans which do not restrict you to in-network visits for your Outpatient and Dental care.
If you are planning a family, Maternity benefits are typically subject to a standard 10-month or 12-month waiting period, so you must purchase well in advance of pregnancy.
Quality healthcare does not come cheap. We help you understand medical care costs, so you can make an informed decision about the limits you buy.
The added convenience of a Cashless Billing plan allows you to use a Medical Insurance card to settle medical bills for outpatient treatment. This means you never need to submit an insurance claim for reimbursement, drastically simplifying the claims process.
Not all Medical Insurance plans offer the coverage highlighted above, so it’s important for us to understand your needs before offering products. Once we understand your priorities, we use our experience and product knowledge to find the most suitable Medical Insurance, often improving coverage and saving our customers hundreds or even thousands of dollars.
We are compensated by the Insurance Companies directly, so the benefit of coverage reviews and advice we offer you is free. The premiums we quote are the same as those offered by Insurance Companies to direct buyers, which means we offer the lowest rates. In addition, our strong relationship with insurers often means we can negotiate better terms and conditions for your medical insurance plan.
Should you have a claim, Expat Insurance will assist you with the claims process as well as negotiate settlement with the Insurance company if neccessary.
* Important Note: The contents of this website are not a contract of insurance. The exact terms, conditions & exclusions of insurance are specified in the policy contract.
Do You Know What You're Covered For?
We can explain Hong Kong insurance clearly, to make sure you get the protection you need