I. International health insurance Hong Kong
I. International health insurance Hong Kong
Do you need an international health insurance in Hong Kong?
Public hospitals in Hong Kong are efficient and subsidized, but mainly structured for permanent residents and local citizens.
Expats often face long waiting times, limited English-speaking providers, and restrictions on specialist care.
Private healthcare offers superior comfort and speed, but at a high cost without insurance.
Hong Kong is a global financial hub offering exceptional opportunity, cosmopolitan lifestyle, and access to world-class medical facilities.
However, despite a robust public healthcare system, expatriates often face limitations in access, language, and waiting times.
International health insurance is the optimal solution for those seeking immediate, high-quality care, both locally and abroad.
International health insurance in Hong Kong offers:
Instant access to premium private clinics and hospitals
Freedom to choose your provider, locally or globally
Full coverage for maternity, dental, vision, and outpatient care
Protection across Asia and worldwide
Our Hong Kong-based advantages
Coverage accepted by elite hospitals like Hong Kong Sanatorium, Gleneagles, and Matilda International
Plans tailored for executives, entrepreneurs, families, and globally mobile individuals
What our expat clients in Hong Kong value most?
No waiting period or exclusions for chronic conditions
Lifetime renewable coverage, even after relocation
Maternity care and newborn protection from day one
High benefit limits for surgery, oncology, and rehabilitation
Seamless support for cross-border families and regional professionals
Destinations covered for Hong Kong residents
Our clients based in Hong Kong often require coverage in:
OnlyHealth ensures consistency and continuity wherever life takes you.
What is the average cost of medical care in Hong Kong?
Hong Kong’s private healthcare system is excellent but among the most expensive in Asia:
Routine medical care
In Hong Kong, general care is easily accessible, but fees in the private sector can rise quickly without local or international insurance.
HKD 500 to HKD 1,200
HKD 2,000 to HKD 6,000
HKD 800 to HKD 2,000
Dental care
Dental care is fully private in Hong Kong, with quality service but high price, especially for implants and crowns.
HKD 800 to HKD 1,500
HKD 1,000 to HKD 2,500
HKD 5,000 to HKD 10,000
HKD 15,000 to HKD 30,000
Optical care
Hong Kong offers a wide selection of optical clinics and eyewear, but costs for exams and lenses remain high without coverage.
HKD 1,500 to HKD 4,000
HKD 300 to HKD 600
HKD 500 to HKD 1,000
Medical imaging
Imaging services in Hong Kong’s private sector are fast and moder, but pricing is among the highest in Asia.
HKD 7,000 to HKD 15,000
HKD 2,000 to HKD 4,500
HKD 1,500 to HKD 3,000
HKD 5,000 to HKD 10,000
Specialist consultations
Specialist care is world-class, but many clinics require upfront payment unless you have a compliant international plan.
HKD 2,000 to HKD 4,000
HKD 1,500 to HKD 3,000
HKD 2,000 to HKD 4,000
HKD 2,500 to HKD 5,000
HKD 1,200 to HKD 2,500
Hospitalization in Hong-Kong
Hospitalization in Hong Kong is costly, especially in private rooms. Insurance is crucial to avoid advance deposits and delays.
HKD 5,000 to HKD 8,000
HKD 10,000 to HKD 20,000
HKD 50,000 to HKD 120,000
HKD 80,000 to HKD 300,000
HKD 20,000 to HKD 40,000
II. What every expat should know before moving to Hong Kong
II. What every expat should know before moving to Hong Kong
Hong Kong is a fast-paced, international city with an excellent healthcare infrastructure, but public access is limited for non-permanent residents.
Understanding your insurance options is essential to avoid high out-of-pocket costs and access private hospitals without delay.
Visa and Hong-Kong residence permit
Work, investment, and dependant visas are common among expats. While there’s no compulsory health insurance requirement, private coverage is strongly advised as public options have limitations and long queues for non-residents.
Accommodation and housing
Housing is one of the largest expenses in Hong Kong. Rent for a 2-bedroom apartment in Central or Mid-Levels can exceed HKD 40,000/month. Serviced apartments are popular among short-term professionals.
| Education and schools
Hong Kong offers British, American, IB, and French international schools, but spaces are limited and tuition ranges from HKD 150,000 to HKD 300,000 per year. Early application is essential.
| Transport and mobility
Hong Kong’s public transport is world-class, efficient, fast, and inexpensive.
The MTR system, minibuses, and ferries connect the city.
Owning a car is rare and unnecessary for most expats.
| Employment and business
Hong Kong is ideal for finance, legal, and consulting careers.
Entrepreneurs can open businesses via fast-track programs.
High-level professionals benefit from flexible visa options, but must secure their own healthcare solutions.
| Language and integration
Cantonese is the most widely spoken language, but English is common in business, healthcare, and expat areas.
Integration is easy in professional circles, though understanding local etiquette is important.
| Healthcare and insurance
Private insurance is necessary to avoid high upfront costs and delays in care.
Local employer policies may be limited in scope or region.
OnlyHealth offers full access to private healthcare, international second opinions, and high-limit coverage.
| Cost of living and housing
Hong Kong is consistently ranked among the most expensive cities in the world.
Aside from rent, healthcare and education represent major costs.
Local transport and food can be affordable with the right lifestyle choices.
III. Empowering your health journey in Hong Kong
III. Empowering your health journey in Hong Kong
Hong Kong offers opportunity, speed, and global access, and your healthcare coverage should match.
OnlyHealth gives you the freedom to choose, the confidence to move, and the reassurance of knowing you’re covered every step of the way.