Best Maternity Insurance in Hong Kong

Recommendations by licensed insurance experts.

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Last update: 25th August 2022

Best insurers for maternity insurance

Looking for the best maternity insurance? You’re in the right place.

Here is our selection of some top maternity insurance providers in Hong Kong*:

InsurerInsurance planPrice range
April FrancePREMIUM$$$
AXAGLOBAL HEALTH$$$
Bupa GlobalGLOBAL HEALTH PLAN - ELITE$$$
Cigna GlobalGLOBAL HEALTH OPTIONS$$$

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

Having a baby in Hong Kong can cost a lot! This is why it’s important to plan ahead and protect yourself with the right maternity insurance plan. A maternity plan will not only minimize the cost of treatments, but provide an alternative option for you to choose a private hospital and avoid the disproportionate waiting times at public hospitals. It can also cover your prenatal and postnatal care to ensure optimal recovery of the mother and care for the infant.

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

We have done all the groundwork for you, analyzing the pros and cons of each insurer so you can sit back and get the best options in just a few clicks.

april france

April France

PREMIUM
Price: $$$

April France Premium plan is one of the most attractive options available on the market for future moms looking for maternity cover.

Alea
Pros
  • Most affordable option on the market
  • Good coverage for mother and baby
  • Flexible to drop the benefit after
Alea
Cons
  • Offshore product
  • For expats only
axa insurance

AXA

GLOBAL HEALTH
Price: $$$

The maternity benefit under AXA's Global Health plan can secure both the mother and baby from complications with no waiting period.

Alea
Pros
  • Covers complications of pregnancy with inpatient only
  • No waiting period
  • Can apply while pregnant
  • MHD for baby without waiting period for complications of cover
Alea
Cons
  • Highest waiting period for regular maternity (18 months)
Bupa insurance

Bupa Global

GLOBAL HEALTH PLAN - ELITE
Price: $$$

Bupa’s Global Health Plan - Elite offers comprehensive protection for your pregnancy journey from start to end.

Alea
Pros
  • Pre and post natal care covered under outpatient
  • 2 children under 10 can be added without additional premium
  • Worldwide cover built in
  • 10-month waiting period
Alea
Cons
  • The most expensive plan
cigna insurance

Cigna Global

GLOBAL HEALTH OPTIONS
Price: $$$

Cigna Global offers excellent customer service and maternity cover through its Global Health Options plan.

Alea
Pros
  • Delivery benefit available with inpatient only
  • Good servicing
Alea
Cons
  • Higher premium

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
chubb insurancefwd insurancesun life 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!

Which maternity insurance is best in Hong Kong?

Our picks of insurers for maternity insurance are:

  • April France
  • AXA Global
  • Bupa Global
  • Cigna Global

How much is maternity 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.

Do I need maternity insurance?

If you are planning to have a baby, you are strongly advised to get maternity insurance considering the high medical cost in Hong Kong’s private healthcare sector. A maternity plan can cover your childbirth, antenatal and postnatal care so that you can have an alternative option to use private hospitals and avoid the disproportionate waiting time at public hospitals.