Best Maternity Insurance in Hong Kong 2025
Recommendations by licensed insurance experts.
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Best insurers for maternity insurance
Looking for the best maternity insurance? You’re in the right place.
Here are some top maternity insurance providers in Hong Kong*:
| Insurer | Insurance plan | Price range |
|---|---|---|
| April France | PREMIUM | $$$ |
| AXA | GLOBAL HEALTH | $$$ |
| Bupa Global | GLOBAL HEALTH PLAN - ELITE | $$$ |
| Cigna Global | GLOBAL HEALTH OPTIONS | $$$ |
*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 Premium plan is one of the most attractive options available on the market for future moms looking for maternity cover.
- Most affordable option on the market
- Good coverage for mother and baby
- Flexible to drop the benefit after
- Offshore product
- For expats only
The maternity benefit under AXA's Global Health plan can secure both the mother and baby from complications with no waiting period.
- Covers complications of pregnancy with inpatient only
- No waiting period
- Can apply while pregnant
- MHD for baby without waiting period for complications of cover
- Highest waiting period for regular maternity (18 months)
Bupa’s Global Health Plan - Elite offers comprehensive protection for your pregnancy journey from start to end.
- 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
- The most expensive plan
Cigna Global offers excellent customer service and maternity cover through its Global Health Options plan.
- Delivery benefit available with inpatient only
- Good servicing
- 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.
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 |  | |  |
| Extensive audit of your current insurance | |||
| Extensive audit of your current insurance | | | |
| Unbiased advice | |||
| Unbiased advice | | | |
| Dedicated customer care all year long | |||
| Dedicated customer care all year long | | | |
| Health & wellness perks | |||
| Health & wellness perks | | | |
What's the best maternity insurance in Hong Kong?
Our picks of insurers for maternity insurance are:
- April France
- AXA Global
- Bupa Global
- Cigna Global
How much does maternity insurance cost 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 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.
