Best Health Insurance for Family in Hong Kong

Recommendations by licensed insurance experts.


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Last update: 25th August 2022

Best insurers for family health insurance

Shopping around for health insurance on behalf of your family?

Our experts at Alea have hand-picked the best options for you. Let's get started*.

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.

Family always comes first. Speaking of health, it is important to have the right protection in place so you and your loved ones won't be left in despair should any unexpected health condition arises. The right health insurance will help you cover the costs of medical treatments, doctor visits, emergency care and sometimes maternity and other costs specified by the policy, to keep your mind off all these troubling numbers.

Rest assured that you're in good hands as our team of advisors go our of their way to cater to your family's needs. Our experts at Alea know all insurance products by heart and are here to recommend some top health insurers for families with the best costs, coverage, customer experience, claim process and additional features.

Here's to saving you precious time and money from any less-than-informed insurance decision.

april asia insurance

April HK

Price: $$$

We highly recommend April Hong Kong MyHealth as a flexible plan with competitive pricing for families.

  • Flexible benefits for mixing and matching
  • Competitve pricing
  • Deductible applicable to inpatient only
  • Strict underwriting
  • High loadings for pre-existing conditions
Bupa insurance

Bupa Asia

Price: $$$

Bupa Asia offers comprehensive health cover for families through its acclaimed VHIS plan Bupa Hero at a reasonable price.

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

Cigna Asia

Price: $$$

HealthFirst Elite from Cigna Asia is unrivaled for its worldwide comprehensive cover which is applicable even to those with pre-existing conditions.

  • Deductible applicable to inpatient only
  • Asia area of cover as an option
  • Flexible cover for pre-existing conditions
  • Servicing can be slow
  • More admin for claims


Price: $$$

Henner offers generous 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 affordable option from Morgan Price is a good value for what it's worth.

  • Competitive pricing
  • 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.

Insurance partners
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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 family health insurance?

This has a lot to do with whether you are using healthcare services in the public or the private sector, of which costs can vary greatly. In essence, if you want to rely on private healthcare and avoid the often long waiting time at public hospitals, you are advised to get a medical insurance plan that can cover the high costs of treatment in private hospitals and doctors. Some higher-tier plans can even cover items such as health checkups, dental and maternity benefits.

The best time to get health insurance is when you are still young and healthy, free from any pre-existing conditions that may be excluded by insurers.

Which family health insurance is best in Hong Kong?

Our picks of insurers for family health insurance are:

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

How much is family health 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.