Best Cancer Insurance in Hong Kong

Recommendations by licensed insurance experts.


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Last update: 25th August 2022

Best insurers for cancer insurance

Need a reliable health cover for cancer treatments? We'll be your best guide.

Here is our selection of some top health insurance providers for cancer in Hong Kong*:

InsurerInsurance planPrice range
Bupa AsiaBUPA HERO (VHIS)$$$
HennerCARE & HEALTH$$$

*In alphabetical order. This list is compiled based on our research and doesn’t aim to be exhaustive.

Few things can be more daunting than a cancer diagnosis. In 2020 alone, cancer took 14,805 lives (about 30% of all deaths) in Hong Kong, as the leading cause of death in the city for decades.

What's worse, cancer treatment can amount to an inestimable medical cost, especially in the private sector of this expensive metropolis. To give you a better idea, in the past 2 years, cancer treatment in Hong Kong costed about US$81,000 (around HK$628,000) per treatment on average. Our exclusive research with healthcare and insurance providers showed the cancer treatment costs of an ongoing case reached US$800,000 (about HK$6,200,600) in Hong Kong.

This is exactly why it is essential to get covered for cancer before the worst ever happens, so as to open up yourself to choices in the private sector if urgent medical attention is required and ensure you don't miss the best timing for treatment because of the long waiting time at public hospitals, without the burden to pay an arm and a leg out of pocket*.

Our experts at Alea know all insurance products by heart and are here to recommend some top health insurers for cancer protection with the best costs, coverage, customer experience, claim process and additional features.

Let us sort everything out for you so you can focus on the more important things in life.

*Do you know? Critical illness protection is also a sensible option to cover you for cancer. Check out our Critical Illness 101 article over here.

april asia insurance

April HK

Price: $$$

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
  • Good for those who are healthy and young
  • Deductible applicable to inpatient only
  • High loadings for pre-existing conditions
Bupa insurance

Bupa Asia

Price: $$$

Bupa’s flagship product Bupa Hero takes VHIS to the next level by introducing extensive medical coverage at a reasonable price.

  • Tax deductible
  • Deductibles applicable only to inpatient cover
  • Critical illness add-on available for extended cover for cancer
  • Slow administration
  • All claims must be in original copies
  • Exclusion only for pre-existing conditions
cigna insurance

Cigna Asia

Price: $$$

Health First Elite from Cigna Asia is definitely a good match for high-end consumers, particularly those who have pre-existing conditions.

  • Deductible applicable to inpatient only
  • Cancer cover under inpatient category
  • Flexible cover for pre-existing conditions
  • Servicing can be slow
  • More admin for claims


Price: $$$

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

Morgan Price

Price: $$$

This budget-friendly option from Morgan Price covers you abroad with practical benefits.

  • Competitive pricing
  • Full cover for cancer under inpatient
  • Built in all in one plan
  • Exclusions only for pre-existing conditions

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.

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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 cancer insurance?

Cancer treatments are without doubt high-ticket items, even more so when you are using the private healthcare sector in Hong Kong, which is notably the second most expensive healthcare market worldwide.

Cancer surgeries are usually reimbursed under hospital/surgical benefits whereas chemotherapy/radiation therapies are usually reimbursed under cancer cover. Generally, high-end medical plans will reimburse cancer treatments in full without any sub-limit whereas local plans will have sub-limits.

It is best to get covered early on when you are young and healthy, free from any pre-existing conditions, such that you can lock in for a cheaper premium and avoid facing exclusions or loadings from insurers in the future.

Which medical insurance is best for cancer in Hong Kong?

Our picks of insurers for medical insurance for cancer are:

  • April HK
  • Bupa Asia
  • Cigna Asia
  • Henner
  • Morgan Price

How much is cancer 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.