Get a Group Medical Insurance Quote in Hong Kong

Setting up your first scheme or reviewing one you already have, the fastest way to see real numbers is to request a quote. Tell us about your company and Alea compares the market and comes back with options suited to your budget and priorities, and stays with you through renewals and claims, at no extra cost, because brokers are paid by the insurer rather than the company requesting the quote.

Not sure what to choose yet?

That is normal, and the form does not require you to know in advance. See what group medical insurance covers and what it costs for context, or simply tell us about your team and we will guide the decision through a short conversation before any quote is finalised.

New scheme or reviewing an existing one

This form works either way. If you already hold cover and want to check it against the market ahead of renewal, tell us your current insurer and plan, and we will benchmark it properly, including the continuity terms that matter if you decide to switch; see switching insurers.

What happens after you submit the form

An advisor reviews what you have told us and, where anything is unclear, follows up with a short call or message rather than guessing at your requirements. We then approach a shortlist of insurers suited to your size and industry, gather quotes, and present them to you in a single comparison rather than a stack of separate documents, with the sub-limits and network differences already explained in plain terms. From there, the decision is yours, and once you choose, we handle the paperwork, the medical cards, and the introduction to the insurer's claims process.

What information helps us move faster

• An approximate headcount and age range, even if not exact

• Any benefits you already know you want, such as dental or maternity

• Your industry, since this affects which insurers are likely to be competitive

• Your current renewal date, if you already hold a policy

How quotes are actually compared before they reach you

Rather than simply forwarding whatever comes back from each insurer, an Alea advisor first checks every quote against your original brief: does the room level match what you asked for, are the benefit limits genuinely comparable, and has the insurer quoted for the group size and age profile you provided rather than a generic template. Any quote that does not line up properly is queried and corrected with the insurer before it is shown to you, so that when you do see the comparison, you are looking at options that are actually equivalent rather than needing to catch discrepancies yourself.

Why go through Alea

A broker costs you nothing extra and shows you more of the market than a single insurer can. We compare across insurers, negotiate on your behalf, and remain your point of contact for placement, renewals and claims. We can quote your compulsory Employees' Compensation cover at the same time, so both sides of your legal and voluntary cover are handled together.

What a typical engagement looks like

Most employers who request a quote fall into one of three situations, and it helps to know which one you are in before you start. Some are setting up group medical for the first time, often around their first few hires, and need the whole process explained from the ground up. Others already have a scheme but have never properly reviewed it against the market, sometimes for several years, and want to know whether they are paying a fair price for what they are getting. And some are actively unhappy with their current insurer, whether on service, network or a sharp renewal increase, and are looking to move. Alea works with all three, and the first conversation with an advisor is usually about establishing which of these describes your situation, since the right next step differs for each.

The role of company size in what you will be offered

It is worth knowing before you start that the options available to you will differ meaningfully depending on your headcount. A very small company, under about ten employees, will generally be offered a small set of standard packaged plans with little room for customisation, which keeps the process quick but limits flexibility. A mid-sized company has more scope to mix benefit levels across different staff tiers. A larger company, roughly above fifty employees, can expect insurers to engage more directly on tailoring the plan and, eventually, on pricing that reflects the group's own claims experience rather than a standard rate table. Knowing which bracket you sit in helps set realistic expectations for how much the quotes you receive will differ from one another.

After you receive your options

Once the comparison is in front of you, there is no pressure to decide immediately. Take the time to discuss it internally, and come back with questions, whether about a specific benefit, a particular insurer's network in your area, or how the numbers would change if you adjusted the room level or added a benefit you had not originally considered. Your advisor can rework the comparison with different assumptions relatively quickly at this stage, which is often more useful than trying to get every detail perfect in the original brief.

If you are comparing us against another broker

It is entirely reasonable to request quotes through more than one broker, and doing so is a legitimate way to check that the comparison you receive is genuinely thorough. What is worth watching for is whether a second broker is actually approaching a different, wider or better-suited set of insurers, or simply repackaging quotes from the same handful of relationships every broker in the market tends to have. Asking any broker directly which insurers they intend to approach for your specific size and industry, before they start, is a fair question and usually reveals how genuinely comprehensive the comparison will be.

There is no obligation at any stage

Submitting this form, receiving a comparison, and even discussing it with an advisor over a call, none of this commits you to buying anything. Employers are sometimes hesitant to request a quote because they assume it starts a sales process they will need to actively decline later, but a straightforward not right now, thank you at any point is a completely normal and expected response, and it does not affect your ability to come back and request a fresh comparison when the timing suits you better. This applies equally whether you are enquiring for the first time or checking in again a year after your last comparison.

What to expect on price

Before quotes arrive, it helps to know the market backdrop: Hong Kong medical costs are forecast to rise by roughly 9.9 to 10.5 per cent in 2026 according to WTW and Mercer Marsh Benefits, and Hong Kong consistently ranks among the most expensive private healthcare markets globally in Pacific Prime's research. A quote reflects your own group's age profile, benefit level and room choice against that backdrop rather than a standard market rate.

Ready? Request your group medical quote, or talk to an advisor.