Hong Kong Group Medical Insurance Statistics 2026

This page brings together the key published figures on Hong Kong's group medical insurance and employer insurance market for 2026, sourced from actuarial reports, the Insurance Authority, and the Labour Department. It is intended as a reference for employers, HR teams, and anyone researching the state of employer-provided healthcare and workplace risk in Hong Kong, and it is updated as new figures are published.

Medical inflation

Three independent actuarial houses have published Hong Kong medical trend figures for 2026, and while the exact numbers differ, the direction is consistent: medical costs in Hong Kong are rising by roughly ten per cent a year.

For what this means for a specific employer's renewal, see our guide to group medical insurance cost in Hong Kong.

Market size

The Insurance Authority publishes annual statistics on the Hong Kong insurance market. Total gross premiums across all insurance business in Hong Kong reached approximately HK$637.8 billion in 2024, with general business, which includes accident and health lines relevant to group medical, accounting for a meaningful share of this. These figures are published annually and are the primary source for understanding the overall scale of the Hong Kong insurance market.

Workplace injury statistics

The Labour Department's occupational safety statistics provide the clearest picture of workplace injury risk in Hong Kong, which underpins the pricing and importance of Employees' Compensation insurance.

For how this translates into Employees' Compensation cover, see our full Employees' Compensation guide and EC insurance by industry.

International health insurance cost benchmarks

Pacific Prime's research has consistently ranked Hong Kong among the most expensive markets globally for international health insurance, with an average international individual plan costing in the region of US$8,000 a year, and a family plan considerably more. This reflects the underlying cost of private healthcare in Hong Kong, which is also the reason group medical premiums in Hong Kong sit where they do relative to many other markets in the region.

Compulsory cover minimums

Why these figures matter for employers

Taken together, these figures tell a consistent story: healthcare costs in Hong Kong are high and rising by close to double digits annually, workplace injury is a real and measurable risk that justifies the compulsory EC requirement, and the overall insurance market is large and well established, which is reflected in the range and sophistication of group medical and business insurance products available. Employers reviewing their own scheme's costs against these benchmarks get a useful sense of whether their experience is in line with the broader market or diverging from it.

Sources and further reading

This page draws on WTW's 2026 Global Medical Trends report, Mercer Marsh Benefits' 2026 Health Trends report, Aon's 2026 Global Medical Trend Rates report, the Hong Kong Insurance Authority's published market statistics, the Labour Department's occupational safety and health statistics, and Pacific Prime's international health insurance cost research. For the practical implications of these figures, see our guides to group medical costs, Employees' Compensation costs, and talk to an advisor for how these trends affect your specific scheme.

How these figures change year to year

Medical inflation figures, market size statistics and occupational injury data are all published annually, sometimes with a lag of several months between the period covered and the report's publication date, so it is worth checking the latest edition of each source rather than assuming a figure quoted here remains current indefinitely. This page is reviewed and updated as new reports are published each year, but for a decision with real financial consequences, checking the primary source directly at the time is always the more reliable approach than relying on any secondary summary, including this one.

A note on interpreting these figures

Published benchmarks are useful for context but are not a substitute for your own company's actual experience. A business whose claims history has run well below the market average for several years is a different situation from one that has tracked closely with these headline inflation figures, even though both operate in the same overall market. The figures on this page are the backdrop against which to understand your own renewal, not a number that automatically applies to any specific company's policy.

How to use this page when comparing quotes

When an insurer or a broker quotes a renewal increase, this page gives you a reference point to check it against. An increase broadly in line with the roughly ten per cent range across the cited sources is consistent with the general market trend. An increase materially above that, without a specific explanation such as a genuinely poor claims year or a significant change in benefit design, is worth questioning rather than accepting automatically, and is exactly the kind of situation where re-marketing a scheme against the wider market, as covered in our guide to group medical costs, tends to be worthwhile.

What this data does not tell you

These figures describe the overall Hong Kong market, not any individual company's specific circumstances. Two businesses in the same industry, of similar size, can have genuinely different claims experiences and therefore genuinely different fair renewal outcomes, even in a year where the published market inflation figure is identical for both. Treat these numbers as the context for a conversation with your broker about your own scheme's specific figures, rather than as a number that should simply be applied directly to your own premium without further discussion.

Keeping this reference current

Because each of these figures comes from an independently published report, the most reliable way to check for an update is to look at whichever source's specific field is relevant to your question, rather than assuming this page or any other secondary summary automatically reflects the very latest release the moment a new report comes out. This page is intended as a convenient starting reference that gathers the relevant figures in one place, not as a replacement for going to WTW, Mercer Marsh, Aon, the Insurance Authority or the Labour Department directly for anything where precision genuinely matters to a decision.

A faster reference

For the same figures presented as a short, scannable list rather than a narrative report, see group medical insurance statistics at a glance.