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Hong Kong - Insurance

Health insurance abroad is essential for any expat. In addition to expat healthcare insurance rates, insurance providers or online insurance comparison sites can provide life assurance quotes and auto insurance rates to provide you with overseas coverage. However, remember that cheap insurance may not represent the best value for money if you need to make a claim - as an expat you may require specialist expatriate insurance cover abroad.

To request free, no-obligation quotes from leading insurers, please visit our expat insurance page

Hong Kong has some of the highest medical costs in the world. Although the public health-care system covers those with a Hong Kong identification card, children under the age of 11 with resident status and those approved by the Hospital Authority chief executive, expats are encouraged to get private insurance. The public healthcare system is mostly concerned with emergency care so not only can private insurance help keep costs down, it can also ensure that you receive the most comprehensive care possible.

By having private health insurance, patients are able to choose their physician and schedule routine visits. It can also make treatment for minor health issues more accessible and offer patients semi-private or private rooms in hospitals. Some of the large private health insurance companies that serve Hong Kong are Bupa, Aetna, GlobalHealth, Pacific Prime, and HSBC.

Many of the major banks and insurance companies also offer home insurance policies. A home insurance policy should cover not only the structure of your home so that it could be rebuilt if damaged, but also the contents of the home. Although the cheapest option might be the most tempting offer, when it comes to home insurance you should also consider the fact that it is often more expensive to replace items than to repair them so you want to ensure that the insurance policy you purchase will be able to provide you with a home and contents should they become damaged.

Life insurance is recommended for those expats who do not already have policies. If you already have a policy in your home country then there might not be a need to take out an additional one in Hong Kong. It’s important to check with your current policy to see if it covers accidents or death overseas.

There are normally three types of life insurance policies available: level term, decreasing term and family benefit. Level pays out the same amount at any point that a claim is made during the period you're paying in to the policy. This type of life insurance policy can be good if you are only paying the interest on your mortgage, have a small amount of debt, and want a fixed cash lump sum left behind to your beneficiary. A decreasing term is generally used by those who have a repayment mortgage or larger amount of debt which they see reducing over time. This kind of life insurance is cheaper since the longer the policy extends without a claim, the less the insurance company will have to pay. In a family benefit policy an annual sum of money would be given to the beneficiary.

Car insurance is necessary in Hong Kong if you’re planning on having a private vehicle. Full coverage and third-party are the two types of insurance plans that are available. With full coverage, you are completely covered no matter who was responsible for the accident. It might also cover other extras, such as the cost of a rental car while your vehicle is being repaired. In third-party coverage, you are only covered for damages to third parties. It is mandated by law that you have at least third-party insurance.

Policy costs vary and are determined by a few different factors. The type of car, your driving history, the age of the car, your age, and even your occupation can all be factored in to determine the cost of insurance. There are also discounts normally available if you can prove that you have been accident free in the past. For most policy holders, car insurance can range from around HK$2,000-3,000 per year.

One of the top companies for automobile insurance is the Hong Kong Automobile Association (HKAA). They can also provide other services such as a battery boost, towing, and even gasoline refilling if you find yourself without it.

Hong Kong Automobile Association
391 Nathan Road, Kowloon, Hong Kong
Tel : 852 3583-3616

You can also visit the Motoring Insurer’s Bureau to find a list of other companies that offer car insurance: http://www.mibhk.com.hk/eng/aboutus_MemberCompanies.php

Expat Health Insurance Partners

Bupa Global

At Bupa we have been helping individuals and families live longer, healthier, happier lives for over 60 years. We are trusted by expats in 190 different countries and have links with healthcare organisations throughout the world. So whether you're moving abroad for a change of career or a change of scene, with our international private health insurance you will always be in safe hands.


Cigna has worked in international health insurance for more than 30 years. Today, Cigna has over 71 million customer relationships around the world. Looking after them is an international workforce of 31,000 people, plus a network of over 1 million hospitals, physicians, clinics and health and wellness specialists worldwide, meaning you have easy access to treatment.