Are you planning to relocate to Hong Kong but still wondering how the local healthcare system works? Here is all the information that you need to know before moving to the city.
Hong Kong excels in healthcare
The statistics on healthcare in Hong Kong are really reassuring for expatriates living in or planning to relocate to the country. Indeed, Hong Kong boasts one of the healthiest populations in the world. Its residents have the second highest life expectancy, which is largely due to its fantastic healthcare system.
In 2016, Hong Kong was ranked as the location with the most efficient health care in the world. This can be explained by the fact that hospitals and clinics all offer high-quality care, state-of-the-art equipment and highly trained doctors.
Public and private sectors
The healthcare system in Hong Kong is divided into two sectors: a public one, which is government sponsored, and a private one, which is more expensive but definitively has its advantages. In Hong Kong, there are twelve private hospitals, and more than fifty public ones. So which sector should you choose ?
Even in public facilities, many doctors and specialists have been trained abroad and most of them can speak English. However, because, they are a lot less expensive than the private sector, public hospitals and doctors are very popular, which often results in long waits. In addition, due to their high case load, doctors cannot afford to spend a lot of time with each of their patients…
Local VS international health insurance
The biggest advantage of local health insurance policies in Hong Kong is that they are a lot cheaper than private ones. Premiums are often calculated according to the number of claims that have been made by the patient so for perfectly healthy people, this solution can be very cheap. Also, if you travel frequently, you have to note that local policies may not cover you outside Hong Kong, so you will probably have to subscribe to an additional travel insurance policy.
More often than not, if you have a medical issue, private hospitals and doctors will be able to take care of it immediately. You will have a larger choice of hospitals, practitioners and treatments. Many international plans will also provide you with repatriation and emergency evacuation. More importantly, international insurers have a network of hospitals where your bills can be settled directly, so you won't have to pay any of your medical fees in advance. And finally, if you subscribe to a portable insurance policy, you will also be able to keep your insurance whether your move to another country, go home or simply retire.
Insurance for foreigners
APRIL Hong Kong has designed for you and your family MyHEALTH, which will provide you with a comprehensive and fully flexible cover for all your medical expenses in Hong Kong and abroad. Our packages can be tailor-made to suit your every need, they are fully portable and you won't have to pay any medical fees in advance if you are admitted to hospital. To make your life easier, we also created the Easy Claim app which will allow you to send us your medical claims by smartphone and receive your reimbursement in only a few days.