Your Guide To Health Insurance In Hong Kong

Safeguard your health and wealth with these Hong Kong health insurance plans. We’ve rounded up some of the top voluntary health insurance packages offering personalised plans to suit your health needs and budget.

Amid rising healthcare costs and an unstable economy, the last thing we need is for unexpected medical bills to land in our laps. But with the right health insurance plan, this financial burden can be avoided. Most companies in Hong Kong will offer health insurance as part of your employment package, but in case they don’t, it’s best to consider starting your own plan. Whether you’re considering an all-rounded Voluntary Health Insurance Scheme (VHIS) or a more personalised plan that suits your specific health needs and budget, our guide to health insurance in Hong Kong will have you covered.

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Bupa – Comprehensive health insurance schemes

Bupa provides an extensive range of comprehensive health insurance schemes, with plans including everything from hospital benefit, clinical benefit, maternity cover, dental benefit and critical illness insurance. Popular choices include the Bupa Hero VHIS plan, a tax-deductible VHIS Flexi plan with full cover for surgical and cancer treatments and more, and the Bupa Safe Critical Illness plan, which covers up to 85 critical illnesses at different life stages.

Bupa, 2517 8560, www.bupa.com.hk

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AXA – Comprehensive and flexible medical protection

With AXA’s Medical Insurance, not only can you reimburse medical consultation, but also other medical bills, including surgery, treatment and hospitalisation. For comprehensive and flexible medical protection, check out AXA’s tax-saving VHIS series, which covers unknown pre-existing conditions.

AXA, various locations across Hong Kong, 2523 3061, www.axa.com.hk/en/health-insurance

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HSBC HK – All-round medical coverage

Looking for a fuss-free, comprehensive medical plan? The HSBC VHIS Flexi Plan will have you fully covered for hospitalisation and surgical fees and provides all-round medical coverage (including access to quality medical care at private healthcare services) with all the basic benefits of the HSBC VHIS Standard Plan. The bank also offers specific plans covering hospital cash insurance, outpatient care, cancer care, accident insurance and more.

HSBC HK, www.hsbc.com.hk

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Prudential – Accidental and critical illness plans

Prudential’s VHIS series offers a variety of plans (Flexi, Core or VIP) to suit a range of medical needs, which ensure you are reimbursed for hospitalisation and surgery expenses, as well as treatment costs after discharge, and more. Also available are critical illness plans that guard you against ongoing serious illnesses, and three supplementary accident plans that will give you extra financial support to cover unexpected incidents.

Prudential, 3656 8362, www.prudential.com.hk

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Manulife — Multiple plans for ease of financial security

Known for its global reach, Manulife offers VHIS plans that combine international expertise with local coverage. With a wide network and flexible plan structures, it’s a popular choice for families and professionals looking for well-rounded protection, especially with ease of movement for the future.

Manulife, 2108 1313, www.manulife.com.hk

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Sun Life — VHIS, retirement and life insurance plans

A popular choice in Hong Kong, Sun Life offers comprehensive plans if you’re after a balance of protection and lifestyle perks. Sun Life offers VHIS plans designed to support both everyday health needs and major medical expenses. Plus, Sun Life is Hong Kong’s only insurer to win “10Life Insurer of the Year” four years running! 

Sun Life, www.sunlife.com.hk

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Zurich — Flexible financial planning options with various insurance plans

For those who want international-level coverage, Zurich is worth considering. With a reputation for robust global insurance solutions, its VHIS offerings cater to individuals who value security and cross-border expertise.

Zurich, www.zurich.com.hk

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Cigna Healthcare — Comprehensive health insurance plans in Hong Kong and globally

If you’re after a more international, expat-friendly approach, Cigna offers VHIS plans with a strong focus on global healthcare access. Cigna provides both individual and group medical insurance plans catering to various needs, including coverage for cancer treatment, inpatient care and rehabilitation, which other medical insurance companies may not cover.

Cigna Healthcare, www.cigna.com.hk

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Chow Tai Fook Life (CTF Life) — High coverage limits for cross-border care and 24-hour worldwide emergency assistance

Blending a well-known Hong Kong legacy with modern insurance solutions, Chow Tai Fook Life offers VHIS plans that balance flexibility and peace of mind. With options tailored to different life stages, it’s a great pick for those looking to align their health coverage with evolving lifestyle needs.

 Chow Tai Fook Life Insurance Company, 2866 8898, www.ctflife.com.hk

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FWD — Comprehensive medical plans that are easy to understand

Known for its fresh, digital-first approach, FWD makes insurance feel far less intimidating. Its VHIS plans are designed to be straightforward and accessible, with flexible coverage options that appeal to a younger, more tech-savvy crowd looking for fuss-free protection.

FWD Life Insurance, 3123 3123, www.fwd.com.hk/en/medical-cover

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AIA – Severity-based health protection plans

A first in the market, AIA offers several severity-based health protection plans that determine your claims based on the severity of your medical journey, covering every disease and injury under the sun – even new diseases that haven’t been discovered yet! You can also opt for one of AIA’s VHIS health insurance plans or choose from its more specific medical protection products.

AIA, 2232 8888, www.aia.com.hk

Pacific Prime Hong Kong – Bespoke expat health insurance plans

Global health insurance company Pacific Prime partners with trusted insurers to bring you bespoke expat health insurance plans. Boasting over 20 years of experience, compare your options with a member of its dedicated team of 700+ expert insurance advisors and customise your policy to match your personal needs and budget.

Pacific Prime Hong Kong, Units 1-11, 35/F, 1 Hung To Road, Kwun Tong, Kowloon, Hong Kong, 3589 0531, www.pacificprime.hk

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