Best International Health Insurance in Hong Kong

Recommendations by licensed insurance experts.

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Last update: 1st August 2022

Best insurers for international health insurance

No matter whether you are an expat who relocates from city to city, or just a frequent traveler who can't stay in one place, international health insurance is what you need to enjoy a carefree time abroad.

As your insurance broker, we have hand-picked the best options for you available in Hong Kong*:

InsurerInsurance planPrice range
April HKMYHEALTH$$$
Bupa GlobalGLOBAL HEALTH PLANS$$$
Cigna AsiaHEALTH FIRST ELITE$$$
HennerCARE & HEALTH$$$
Morgan PriceEVOLUTION ASIA$$$

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

Whether you are new to Hong Kong, or planning to relocate elsewhere, healthcare access in your destination should be something on your radar. Are you prepared in case you fall ill or get injured during your time abroad? How well do you know the local healthcare system? How much is it to see a doctor in a public or private hospital there?

International health insurance is designed to provide comprehensive protection to people relocating abroad for a prolonged period of time, covering both emergency treatments and routine healthcare anywhere within the region of cover. In short, it keeps you safe wherever you are in the world.

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

Discover your best options in Hong Kong, sorted out by our team of experienced advisors.

april asia insurance

April HK

MYHEALTH
Price: $$$

April Hong Kong MyHealth stands out as a great choice for expats who seek flexibility within a decent budget.

Healthy Matters
Pros
  • Flexible benefits for mixing and matching
  • Competitve pricing
  • Portable if you relocate
  • Deductible applicable to inpatient only
Healthy Matters
Cons
  • Strict underwriting
  • High loadings for pre-existing conditions
Bupa insurance

Bupa Global

GLOBAL HEALTH PLANS
Price: $$$

Bupa Global's Global Health Plans are suited for expatriates who seek high-quality health cover plus reputable customer care.

Healthy Matters
Pros
  • Comprehensive coverage
  • Portable (allow switching to a different provider while keeping the same benefits)
  • Large service network
Healthy Matters
Cons
  • Expensive
  • Fixed plans with built-in benefits
cigna insurance

Cigna Asia

HEALTH FIRST ELITE
Price: $$$

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

Healthy Matters
Pros
  • Deductible applicable to inpatient only
  • Asia area of cover as an option
  • Flexible cover for pre-existing conditions
  • Portable if you relocate and change area of cover
Healthy Matters
Cons
  • Servicing can be slow
  • More admin for claims

Henner

CARE & HEALTH
Price: $$$

Henner offers comprehensive international health cover with good deductible discounts, though it is not the most affordable option.

Healthy Matters
Pros
  • Good deductible discounts
  • Deductible applicable to inpatient only
  • Highest overall annual limit
  • Portable (allow switching to a different provider while keeping the same benefits)
Healthy Matters
Cons
  • Expensive

Morgan Price

EVOLUTION ASIA
Price: $$$

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

Healthy Matters
Pros
  • Competitive pricing
  • Portable globally
Healthy Matters
Cons
  • 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.

25+
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 international health insurance?

International health insurance overall offers more comprehensive coverage than the vast majority of local plans in Hong Kong. If you plan to stay overseas for a significant period of time, do carefully consider your choice of international health cover so that you can get the best health care services and treatments wherever you go. Some higher-tier plans can even cover items such as health checkups, dental and maternity benefits.

In particular for Hong Kong, where private healthcare costs can be sky-high, health insurance can give you more flexibility to use private services and avoid the long waiting time at public hospitals.

Which global health insurance is best in Hong Kong?

Our picks of insurers for global health insurance are:

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

How much is international 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.