Why choose a Top-Up Plan?

A top-up insurance plan ensures you are provided with full individual health insurance coverage. It covers the deficiencies of your employer-provided health insurance, as well as those of any other medical insurance coverage you may have. Top-up insurance is common in Hong Kong, due to the specifics of both insurance policies and the local healthcare system.

Whether you decide to leave your job or have to, when you stop working in Hong Kong, your health insurance also stops. Top-up plans ensure you are still covered for medical bills and treatments during any transition period. Another reason for securing a top-up plan whilst employed is that it mitigates the risk of any health problems you encounter during your employment, becoming “pre-existing conditions” for your next insurer (when you start with a new company).