Best Medical & Health Insurance in Hong Kong 2026
Compare the top medical insurance plans in Hong Kong. Find trusted insurers, pricing insights and expert advice.
Reviewed by a licensed advisor
Best insurers for medical insurance
Looking for the best medical insurance? You’re in the right place.
Here is our selection of top health insurance providers in Hong Kong:
Insurer | Insurance plan | Price range |
|---|---|---|
April HK | MYHEALTH | $$$ |
Bupa Asia | BUPA HERO (VHIS) | $$$ |
Cigna Asia | Health First Elite 360 | $$$ |
Henner | CARE & HEALTH | $$$ |
AXA | AXA Global Elite | $$$ |
*This list is compiled based on our research and doesn’t aim to be exhaustive.
A sound health insurance plan is almost a must-have if you want to avoid the long queues at public hospitals and enjoy Hong Kong’s top-grade private healthcare services despite the city’s ever-soaring medical costs. But there comes the question: How do you choose a plan that fits, like, out of hundreds of plans and tens of insurers?
Our experts at Alea know all insurance products by heart and are here to recommend some top health insurers with the best costs, coverage, customer experience, claim process and additional features.
Let us break down the pros and cons of each insurer so you can compare your best options at a glance.
APRIL Hong Kong MyHEALTH stands out as a great choice for those who seek flexibility within a decent budget.
Flexible benefits for mixing and matching
Competitve pricing
Deductible applicable to inpatient only
Strict underwriting
High loadings for pre-existing conditions
Bupa’s flagship product Bupa Hero takes VHIS to the next level, with extensive medical coverage at a reasonable price.
Tax deductible
Deductibles applicable only to inpatient cover
Critical illness add-on available
Slow administration
All claims must be in original copies
Exclusion only for pre-existing conditions
Health First Elite from Cigna Asia is a good match for medium/high-end consumers, particularly those with pre-existing conditions.
Deductible applicable to inpatient only
Asia area of cover as an option
Flexible cover for pre-existing conditions
Servicing can be slow
More admin for claims
Henner offers comprehensive international health cover with good deductible discounts, though it is not the most affordable option.
Good deductible discounts
Deductible applicable to inpatient only
Highest overall annual limit
Expensive
AXA Global Elite plan is the most recommended plan for anyone with major pre-existing conditions. No health declaration is required. The pre-existing conditions can be covered after a 2-year waiting period. This plan offers comprehensive cover options to choose from.
Affordable option
Pre-existing cover
Servicing can be slow
More admin for application and claims
How do we select these insurers?
We have closely worked with our 25+ insurance partners for many years and we know their products inside out. As an independent insurance broker, we choose to work with insurers with an excellent track record and sell only products that we believe in, tried and tested. The above recommendations are made by our board of licensed insurance advisors based on criteria including the costs, coverage, customer experience, claim process and additional features of each insurer. In short, we are not paid to make these recommendations.
The bottom line
Let’s be frank, there is no “best” insurer or “one-size-fits-all” insurance plan! Every product has its own strengths & weaknesses and it is important that you have them in mind before signing a policy, which certainly takes a lot of browsing, reading and comparing. But with Alea, rest assured that you will get peace of mind as we simplify everything for you.
We tailor each recommendation to suit your specific needs and budget and provide unbiased advice on a case-by-case basis so you can find the best fit for your situation. Even better, our advisory service comes free of charge – since we are remunerated via a commission on the insurance premium you pay directly to the insurance provider!
Get in touch with an advisor today for a detailed comparison of your insurance options!
Do I need health insurance?
This has a lot to do with whether you are using healthcare services in the public or private sector, of which costs can vary greatly. In essence, if you want to rely on private healthcare and avoid the often long waiting time at public hospitals, you are advised to get a medical insurance plan that can cover the high costs of treatment in private hospitals and doctors. Medical insurance can also cover you for specific health needs like eye examinations, dental scalings or body checkups. The best time to get health insurance is when you are still young and healthy, free from any pre-existing conditions that may be excluded by insurers.
Which medical insurance is best in Hong Kong?
Our picks of top insurers for medical insurance are: April HK, Bupa Asia, Cigna Asia, Henner, Morgan Price
How much is medical insurance in Hong Kong?
Hong Kong has the second most expensive private healthcare sector in the world and this is reflected in health insurance premiums. In general, insurance premiums vary on several factors, namely age, country of residency, pre-existing conditions, benefits you choose and smoking habits. Get a personalized quote now to check the price.
Written by
Julien Mathieu
Co-Founder & CEO | Official CFE Representative
Need some help?
We’re here to provide support and assistance.
