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Insurance Explained

Grow your knowledge of all things insurance.

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Types of insurance

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Overview of insurance types
Health insurance, life insurance, travel insurance, and more. Which insurance type is for you?
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Health insurance
Essential things to know about medical coverage in Hong Kong.
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Whole life insurance
With a death benefit and cash value that grows over time, whole life insurance protects you and your family for life.
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Term life insurance
Looking for good-value life protection? Term life insurance may be your best option.
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Critical illness insurance
A risk management tool that pays out a lump sum upon diagnosis of a critical health condition of the insured person.
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VHIS in Hong Kong
A complete guide to Hong Kong's Voluntary Health Insurance Scheme.
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We believe you deserve choice

Alea partners with 25+ insurance providers to give you a diverse choice of qualified products. We help you compare and find the best plan for your needs and budget, providing unbiased advice along the journey.

Insurance terms explained

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Cooling-off period
Buying insurance is a big deal. The cooling-off period gives you time to reconsider.
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Deductibles and coinsurance
Make good use of deductibles and coinsurance to lower your health insurance cost.
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Exclusions
All health insurance plans have common exclusions, but conditions can vary from one insurer to another.
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Grace period
Find out what happens to your coverage, claims and reimbursements during the grace period.
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Inpatient vs. outpatient benefits
What's the difference? And what does it mean to your health insurance?
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Insurance broker
What is a broker? What do they do? Plus, discover what sets Alea’s team apart from traditional brokers in Hong Kong.
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Insurance made easy

Insurance can be confusing but it doesn't have to be. Alea offers unbiased advice, simplicity and choice. Helping individuals, families and groups find the right insurance, by comparing 100+ plans from 25+ insurers with outstanding service and care.

All about premiums and fees

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Health insurance premiums
How much does health insurance cost? All you need to know.
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Premium levy
Learn about the premium levy and levy caps, why it’s collected, and how to calculate your levy this year.
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Why is medical inflation rising?
Why are healthcare costs increasing so much and what's the impact on your health insurance premium?

Managing claims

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Insurance claims
Everything you need to know about filing your insurance claims and getting reimbursed.
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Death benefit
Find out how it is calculated and how to file a claim if you are a beneficiary.

Expert advice

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What to do about insurance if I leave Hong Kong?
Will your insurance cover you when abroad? Can you claim overseas? Find out here.
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What happens to my insurance if I leave my job?
How to stay covered in case you lose or leave your job.
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Tips to reduce health insurance costs this year
Make the most of your options and cut your costs with these 8 tips from Alea.
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9 things to ask your health insurance broker
Ask these 9 questions to your health insurance broker to make sure they are best qualified to advise you.
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5 tips for renewing your insurance
Approaching the renewal of your health insurance policy? 5 tips to manage like a pro and avoid bad surprises.

For you and your loved ones

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For women
Important insurance benefits we think every woman should have.
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For children
Tips and tricks to make sure your child’s health is well-covered, including pre-existing conditions and congenital conditions.
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For men
Prostate cancer, heart disease, and sports-related injuries. Does health insurance cover them all?
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For expats in Hong Kong
Whether you are relocating for employment reasons, as a lifestyle choice, or to retire, be sure to check how you can access healthcare in your new location.
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For students going overseas
See if your plan covers children studying abroad.
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For starting a family
Get detailed comparisons and insider insights on maternity and pregnancy insurance in Hong Kong.
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Why people choose Alea

Save time & money

We are your advisor: understanding your needs & budget. Comparing quotes from 25+ insurers.

Easy & human

You deserve unbiased advice. We answer all your questions, with amazing service all-year long

Trusted & experts

We work for you and not the insurers. That's why our clients have trusted us for years.

We partner with 25+ insurers

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What makes us different

We bring you more, at no extra cost

Traditional Broker
Traditional Agent
Choice of 25+ insurers at the best price
Choice of 25+ insurers at the best price
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Extensive audit of your current insurance
Extensive audit of your current insurance
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Unbiased advice
Unbiased advice
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Dedicated customer care all year long
Dedicated customer care all year long
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Health & wellness perks
Health & wellness perks
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Exclusive wellness perks for clients

Alea partners with numerous health brands to continuously bring our clients exclusive wellbeing offers. We provide ongoing information and support, with the latest health and wellness trends. Join our health community and enjoy these client-only rewards!

Let’s get you covered.