How health insurance works in HK

|Posted by | Medical Insurance, Personal Loan

No matter where on earth you move, you will always need a health insurance plan. You may have heard of Hong Kong’s free health services but that does not exclude you from having to invest in a medical plan which will eventually greatly benefit you. Yes, the services given by public healthcare centres are of top quality but we all want the best of the best and to get this you will have to spare a few cents on an insurance plan.

First of all, Hong Kong has got two types of health options: private and public – private is of course more costly, good service is certainly guaranteed than in public; however, under public sector, the services rendered are either free or are of the lowest prices.

Usually if you work for a big company, they will take the initiative to have you enrolled under a reputable health insurance plan. However, if you do not have access to such luxuries, then maybe you could scout for the best health insurance agents, before you do that, maybe it is advisable to equip yourself with exactly what it is the public health care system offers.

What Public Healthcare System Offers

As already established, there are no monthly fees or contributions  of any sort to the public healthcare plan – in the governments eyes, everyone is equal; hence, everyone gets the same treatment. Whether you are a citizen of Hong Kong, a permanent or a non permanent the rules resident the rules still apply.

In every region, there is a sizeable amount of outpatient clinics, hospitals and maternity health care centres. This shows that you will never suffer regardless of your type of ailment because the health care centres provide above average services and the latest technology. Statistics show that you will be charged as little as HK$ 100 for every night you are hospitalized and emergency visits while medication will cost you HK$10 each. This services even extends to tourists and the less fortunate who have a special wavering plan which does not exclude them from all the good services.

Sounds good doesn’t it? There are however a few downfall to this, sometimes the nurses do not understand English and because of the long queues, to not expect to be be given royal treatment of any sort. Furthermore, unless it is a dental emergency, public health care system does not cover dental care; therefore it is only logical you get yourself a private health care plan.

Do you really need a private health insurance plan? (Indulge in part 2 to find out)