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Individual Insurance

Find the best health insurance, tailored for you.

We compare 50+ insurers, so you don't have to.

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Get Free Quote

Get Free Quote

Talk to an Advisor

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8 languages and 100+ countries

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We seek to understand.

Our team of advisors go out of their way to understand your individual needs, provide relevant advice and find the best solution for you.

We give you choice.

We work with 25 providers, giving you access to a wide range of health insurance solutions. With us you can always change your coverage, throughout every season of your life, as your needs evolve.

We make sure you’re up to speed.

It’s a privilege to assist people every day in making decisions for their best health and our service doesn’t end when you sign on the dotted line. We provide ongoing information & support, with the latest in health and wellness.

Included in the Plan

Explore other health insurance options for you.

Comprehensive Plans

Making sure you have access to the best plans and treatment anywhere in the world.

Maternity Insurance

Pregnant or planning to be? Let us find the best protection for you & your baby.

Mental
Health

Emotional wellbeing has never been more important. We have plans to make sure you’re covered.

Top-Up
Plans

Your coverage is not sufficient? We can supplement it to make sure you’re fine if serious things happen.

Complementary Medicines

Enjoy coverage for alternative medical practices as part your health management.

Trusted Globally

Why clients choose Alea

We simplify insurance

We compare 50+ insurers and make insurance simple for you.

Best prices, better service

Save time & money. We find the best prices. No extra cost.

Human advice

Unbiased advice, exceptional service. We fight for you.

Multilingual

Highly-trained experts. 8 languages. Responding fast.

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Need some help?

We’re here to find the right insurance for you.

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

Trusted Globally

Why clients choose Alea

We simplify insurance

We compare 50+ insurers and make insurance simple for you.

Best prices, better service

Save time & money. We find the best prices. No extra cost.

Human advice

Unbiased advice, exceptional service. We fight for you.

Multilingual

Highly-trained experts. 8 languages. Responding fast.

Avatar
Avatar

Need some help?

We’re here to find the right insurance for you.

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

Trusted Globally

Why clients choose Alea

We simplify insurance

We compare 50+ insurers and make insurance simple for you.

Best prices, better service

Save time & money. We find the best prices. No extra cost.

Human advice

Unbiased advice, exceptional service. We fight for you.

Multilingual

Highly-trained experts. 8 languages. Responding fast.

Avatar
Avatar

Need some help?

We’re here to find the right insurance for you.

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

FAQ

Frequently Asked Questions

How do we choose the providers we work with?

Working with trustworthy health insurance providers is fundamental to our business. We work with both Hong Kong-based and international health insurance providers. For any offshore plans recommended, we ensure all providers are subject to regulations that both Alea and its customers hold in high regard.

How do you stay on top of their products?

We know our products from top to bottom! Alea advisors are not only rigorous and detail-oriented, they also receive weekly training sessions with the insurance providers we work with. We’re in constant conversation with our partners to stay abreast of any and all updates, keeping our communication mutually open and transparent.

Why does choice matter?

Providing choice is incredibly important for a number of reasons, including that your needs and personal situation may change over time. Maternity, child cover, planning for retirement, the onset of a chronic illness - we can't always plan for exactly how life will unfold. Additionally, some health insurance products may simply become too expensive over time.

How do we recommend one provider versus another?

There is no “best” insurer and there is no “one-size-fits-all” health insurance plan. Every product has its own strengths & weaknesses and because we know them all by heart (it's our specialty!), we know - for instance - which plans are more flexible on pre-existing conditions or which may be discontinued. Each proposal and recommendation is tailored to suit your own needs and situation.

Why do close relationships matter?

Trust is pivotal to our business and we maintain close relationships with each of our 25+ providers, working with them hand-in-hand to make sure you receive the best service and outcomes. These relationships mean we can better advocate for you when you are facing a difficult claim issue. Our multiple points of contact enable us to resolve any critical issues that may arise.

Have we ever stopped working with a provider?

Absolutely. We’ve ceased relationships with insurance providers whose products we believed to be unsustainable and with some who’ve made business decisions we felt were unfair and/or unfavourable to our clients. When making such decisions, we carefully analyse facts and data and undertake robust internal consideration.

How do we stay independent?

The Code of Conduct For Licensed Insurance Brokers specifically mentions that our fiduciary duties are owed to clients. While there are insurance providers we work with more than others, no one partner represents more than 20% of our total revenues. We partner with 25+ insurance providers, allowing us to provide choice and remain completely independent. We don’t work for insurance providers, we work for you.

What is our business model?

As brokers, we receive a percentage commission of the insurance premium you pay directly to the insurance provider. This commission is automatically included in the premium, not in addition to it. It is not less expensive to buy direct from the insurer! The advisory services we provide to you are free of charge. For individual and family plans, the average commission rate we receive each year varies between 15-20% of the annual premium. For group employee health benefits (group schemes), commission rates generally vary between 10-15%.

How do we choose the providers we work with?

Working with trustworthy health insurance providers is fundamental to our business. We work with both Hong Kong-based and international health insurance providers. For any offshore plans recommended, we ensure all providers are subject to regulations that both Alea and its customers hold in high regard.

How do you stay on top of their products?

We know our products from top to bottom! Alea advisors are not only rigorous and detail-oriented, they also receive weekly training sessions with the insurance providers we work with. We’re in constant conversation with our partners to stay abreast of any and all updates, keeping our communication mutually open and transparent.

Why does choice matter?

Providing choice is incredibly important for a number of reasons, including that your needs and personal situation may change over time. Maternity, child cover, planning for retirement, the onset of a chronic illness - we can't always plan for exactly how life will unfold. Additionally, some health insurance products may simply become too expensive over time.

How do we recommend one provider versus another?

There is no “best” insurer and there is no “one-size-fits-all” health insurance plan. Every product has its own strengths & weaknesses and because we know them all by heart (it's our specialty!), we know - for instance - which plans are more flexible on pre-existing conditions or which may be discontinued. Each proposal and recommendation is tailored to suit your own needs and situation.

Why do close relationships matter?

Trust is pivotal to our business and we maintain close relationships with each of our 25+ providers, working with them hand-in-hand to make sure you receive the best service and outcomes. These relationships mean we can better advocate for you when you are facing a difficult claim issue. Our multiple points of contact enable us to resolve any critical issues that may arise.

Have we ever stopped working with a provider?

Absolutely. We’ve ceased relationships with insurance providers whose products we believed to be unsustainable and with some who’ve made business decisions we felt were unfair and/or unfavourable to our clients. When making such decisions, we carefully analyse facts and data and undertake robust internal consideration.

How do we stay independent?

The Code of Conduct For Licensed Insurance Brokers specifically mentions that our fiduciary duties are owed to clients. While there are insurance providers we work with more than others, no one partner represents more than 20% of our total revenues. We partner with 25+ insurance providers, allowing us to provide choice and remain completely independent. We don’t work for insurance providers, we work for you.

What is our business model?

As brokers, we receive a percentage commission of the insurance premium you pay directly to the insurance provider. This commission is automatically included in the premium, not in addition to it. It is not less expensive to buy direct from the insurer! The advisory services we provide to you are free of charge. For individual and family plans, the average commission rate we receive each year varies between 15-20% of the annual premium. For group employee health benefits (group schemes), commission rates generally vary between 10-15%.

Ready to find your plan?

Switch to Alea

Switch to Alea

Switch to Alea

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

Free, no-obligation quote

Expert, human advice

Save time & money

Get unbiased advice now

Ready to find your plan?

Switch to Alea

Switch to Alea

Switch to Alea

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

Free, no-obligation quote

Expert, human advice

Save time & money

Get unbiased advice now

Ready to find your plan?

Switch to Alea

Switch to Alea

Switch to Alea

Talk to an Advisor

Talk to an Advisor

Talk to an Advisor

Free, no-obligation quote

Expert, human advice

Save time & money

Get unbiased advice now