Health Insurance in Hong Kong SAR

Get a comprehensive health and medical cover when moving to Hong Kong

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+852 2279 7300

Why Hong Kong?

Hong Kong is one of the world’s most important financial sectors and one of the busiest commercial ports. In addition, it is simultaneously one of the planet’s biggest importers and exporters of goods and services. As such, it is a destination filled with employment opportunities for those looking to move overseas and embrace a busy, fulfilling, and unique way of life.

A highly developed location, medical standards in Hong Kong are among the best in the world.

While public healthcare is available to all for free or at a low cost, it is worth considering taking out international health insurance if you’re going to be based in Hong Kong.

WorldCare Essential
Starts at
USD 51 /mo

Annual Max Plan Limit USD 3M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Advance
Starts at
USD 212 /mo

Annual Max Plan Limit USD 3.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Excel
Starts at
USD 247 /mo

Annual Max Plan Limit USD 4M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
WorldCare Apex
Starts at
USD 402 /mo

Annual Max Plan Limit USD 4.5M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
  • Routine maternity care
SimpleCare CORE
Starts at
USD 35 /mo

Annual Max Plan Limit USD 1M

  • In-patient and day-patient care
  • Out-patient care
  • Routine and complex dental treatment
SimpleCare 100
Starts at
USD 58 /mo

Annual Max Plan Limit USD 1.5M

  • In-patient and day-patient care
  • Out-Patient care limited to USD 1,000
  • Routine and complex dental treatment
SimpleCare 250
Starts at
USD 71 /mo

Annual Max Plan Limit USD 1.5M

  • In-patient and day-patient care
  • Out-Patient care limited to USD 2,500
  • Routine and complex dental treatment

Interested to know more about WorldCare plan?

How Does the Healthcare System Work in Hong Kong?

The healthcare system in Hong Kong is split between the public and private sector, with very high standards seen across both. According to the Hong Kong department of health, the public sector accounts for 90% of all in-patient “bed days” and treatment, and 30% of all outpatient needs, with the remainder being dealt with by the private sector.

Public healthcare is free for anyone who lives in Hong Kong. Even if you are a non-permanent resident, so long as you hold a relevant, in-date visa showing that you are entitled to be in the country, you will be able to receive public healthcare at no cost.

Due to an ageing population, the public healthcare system in Hong Kong is stretched and crowded.

Private sector healthcare in Hong Kong can be very expensive, which is why a private health and medical insurance package could be of value to you and your family.

How Can I Access Healthcare Services While Living in Hong Kong?

You can access public healthcare free of charge while living in Hong Kong so long as you’re able to show a relevant, in-date visa.

While the standards of public healthcare in Hong Kong are excellent, the system is very stretched and crowded.

In order to quickly get the healthcare treatment you need, it is worth considering using the private sector. Hong Kong has 11 private hospitals, all of which hold international healthcare accreditation thanks to a partnership with the United Kingdom.

Choosing to go private while you’re based on Hong Kong will enable you to avoid queues and the frustration that can sometimes come from having to wait in a very busy hospital. When you’re ill, sometimes this is the last place you want to be.

Ensuring you're covered with adequate international health insurance will mean you can access the private health facilities you need to while living in Hong Kong without needing to worry about how you’re going to cover the cost.

Why Choose Now Health International for Health Insurance in Hong Kong?

Our health and medical insurance plans start from as little as $26 per month for our WorldCare Essential Plan. This plan will cover you for any in-patient and day-patient care you require while living in Hong Kong.

While public healthcare is free in Hong Kong, you could find yourself with long waiting times even when you need urgent attention, but a private healthcare package can help you avoid this and get the treatment you need when you need it.

In addition to our WorldCare Essential Plan, our other healthcare plans cover you for outpatient care, dental treatment, and maternity care if required.

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Linh's story

“I am so grateful to the Now Health Team for everything they did for me and my family. My rare condition was completely unexpected and it was distressing to discover this while I was pregnant. However from the initial diagnosis all the way through to my kidney transplant, the team were nothing but supportive and ensured I could access the best care when I needed it most. Having the reassurance that my mother’s transplant donor costs would be covered was also a real relief. Thank you Now Health!”


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