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Best Employee Health Benefits in Hong Kong 2025

Recommendations by licensed insurance experts.

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Last update: 13th March 2025

Best insurers for packaged employee health benefits

Thinking about getting group health insurance for your startup team?

Our experts at Alea have done the groundwork for you and summarized some of the best options in town for you, according to our expertise in the trade:

InsurerInsurance planPrice range
Bupa AsiaEMPOWER STARTER$$$
FWDCARING$$$
GeneraliLIONCARE$$$
Blue CrossEmployees Medical Contract$$$
Sun LifeSunMaster$$$
AXAAxcellent Health Partner$$$
Liberty InsuranceEasy Care $$$

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

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Starting a business is hard work. Loads of it. Every minute, every dollar counts, especially for startup companies constantly striving for growth. Here's Alea to make life easier for you, fellow entrepreneurs!

We save your precious time by helping you compare choices across 25+ insurance providers and advising on the best ones tailored to your specific needs and budget, so you get the best coverage, at the lowest cost.

In fact, medical benefits are by far the most sought-after benefit employees are interested in, seeing that Hong Kong has one of the world's most expensive private healthcare systems. It is also a secret recipe to gather all the great minds for your dream team with whom you will build your budding new business together.

Our experts at Alea know all insurance products by heart and are here to recommend some top insurers for packaged employee benefits with the best costs, coverage, customer experience, claim process and additional features. Even if you are starting with less than 5 employees, we are happy to help you secure a group health plan to allow more flexibility for future expansion.

Bupa insurance

Bupa Asia

EMPOWER STARTER
Price: $$$

A flexible option for SMEs – Bupa Empower Starter offers attractive coverage and rates for companies with more than 5 but less than 50 employees.

Alea
Pros
  • Premium calculated by average age
  • Optional maternity benefits
  • No underwriting required
Alea
Cons
  • Expensive for older employees
  • Low benefits coverage
fwd insurance

FWD

CARING
Price: $$$

FWD Caring employee benefits insurance plan is a typical fit for those who seek flexibility and prefer to have everything in hand.

Alea
Pros
  • Age banding every 20 years as a group
  • Lot of options to meet all budgets
  • Wide variety of coverage
  • Flexible choice
  • Classic & easy to understand benefit schedule
  • No underwriting required
Alea
Cons

    Generali

    LIONCARE
    Price: $$$

    We picked Generali for its customizable medical benefits which offer greater flexibility and coverage to group clients.

    Alea
    Pros
    • Lot of options to meet all budgets
    • Wide variety of coverage
    • No underwriting required
    Alea
    Cons
    • Expensive for older employees
    • Age banding every 5 years as a group
    • Different premium rate for male and female

    Blue Cross

    Employees Medical Contract
    Price: $$$

    Blue Cross Employees Medical Contract plan is a good fit for those who seek flexibility and easily understandable benefits.

    Alea
    Pros
    • Same premium for members under 65 years old
    • Lot of options to meet all budgets
    • Wide variety of coverage
    • Flexible choice
    Alea
    Cons
    • A bit straight on claims
    sun life insurance

    Sun Life

    SunMaster
    Price: $$$

    The SunMaster plan is great for companies on a budget, looking for a wide range of options.

    Alea
    Pros
    • Lot of options to meet all budgets
    • Wide variety of coverage
    Alea
    Cons
    • Low benefits coverage
    • Age banding every 4 years as a group
    • Slow servicing
    axa insurance

    AXA

    Axcellent Health Partner
    Price: $$$

    Axcellent Health Partner is a great fit for any companies looking for a wide range of options that cover any budget.

    Alea
    Pros
    • Same premium for members under 65 years old
    • Lot of options to meet all budgets
    • Wide variety of coverage
    Alea
    Cons
    • Slow servicing
    liberty insurance

    Liberty Insurance

    Easy Care
    Price: $$$

    Even if the EasyCare product is not highly flexible in terms of benefits, it's a good choice for companies looking to add term life or travel insurance benefits.

    Alea
    Pros
    • Age banding every 20 years as a group
    • Wide variety of coverage
    • Optional Term Life benefits
    • Optional Travel Insurance benefits
    Alea
    Cons
    • Benefits options is not flexible

    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.

    25+
    Insurance partners
    axa insurancesun life insurancechubb insurance

    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!

    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
    Alea
    Alea
    Alea
    Extensive audit of your current insurance
    Extensive audit of your current insurance
    Alea
    Alea
    Alea
    Unbiased advice
    Unbiased advice
    Alea
    Alea
    Alea
    Dedicated customer care all year long
    Dedicated customer care all year long
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    Health & wellness perks
    Health & wellness perks
    Alea
    Alea
    Alea

    Our picks of insurers for employee health benefits for startups are:

    • Bupa Asia
    • Cigna Asia
    • FWD
    • Generali

    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.

    It is a norm that the larger your group size, the more margin of negotiation and thus flexibility you will have over the terms of your employee health benefits. With more than 10 employees, you can generally get discounts, MHD (medical history disregard) and even negotiate for better offers from the insurer. Small enterprises with below 10 employees, on the other hand, may have a more difficult time getting ideal coverage.

    Our advisors are experienced in dealing with the complexities. We have worked with some insurance providers to tailor group medical plans for as few as 1 or 2 employees. Tell us about your needs and budget, and we will work it out for you with the best options available!