Hong Kong Health Insurance Coverage Areas
In modern Hong Kong people often travel overseas for business or pleasure purposes. When leaving the city many of these individuals will purchase supplementary Hong Kong Travel Health Insurance plans to protect their health while abroad.
This is often a hassle for many people as it involves obtaining an entirely new health insurance plan which only offers short term coverage, but is necessary due to the fact that many Hong Kong Health Insurance companies will only offer medical insurance coverage on a local basis; policyholders of local health insurance plans are only able to receive healthcare treatment at medical facilities located in Hong Kong.
At Hong Kong Health Insurance we understand that your policy should offer the maximum amount of convenience to you and your family; this is why we provide Hong Kong Medical Insurance plans which are able to cover you no matter where you go in the world.
If you would like to learn about the differences between plans which offer Local Coverage and those which provide International Coverage, please click: Local Health Insurance and International health Insurance.
Geographical Area of Coverage
The plans offered by Hong Kong Health Insurance, while generally affording coverage on a worldwide basis, will allow you to choose where you would like the policy to protect you.
Typically there are two options afforded to you with regards to your Hong Kong Medical Insurance plan’s area of geographical coverage. These are:
- Worldwide
- Worldwide Excluding the USA
While there may be more geographical coverage options available depending on the insurance company you choose to work with the choice between Worldwide coverage, and Worldwide Coverage excluding the USA is usually found on all the plans we offer.
The reason for this is due to the fact that the USA has the highest average medical costs in the world, and that covering healthcare treatment in the USA is extremely expensive. If you are not intending to spend large amounts of time in the USA then it may be advisable to choose a plan which does not provide coverage in the country. By excluding coverage in the USA from your policy you will often see a drastic reduction in the plan premium, while still being covered elsewhere in the world.
This is important because Hong Kong Health Insurance plans will allow you to choose where you receive medical treatment; allowing you to seek healthcare services with any doctor or hospital within your coverage area. Even if your Hong Kong Medical Insurance plan does not cover the USA you will still be able to receive high quality medical treatment with the doctor of your choice in Europe, Asia, and Oceania.
Hong Kong Health Insurance Quote
If you would like to receive a free quote for the many Hong Kong Health Insurance plans we offer please complete the short form at the top of this page. You may also contact one of our dedicated advisors to receive additional information about the Geographical Areas of Coverage offered under the plans we work with.