Group Medical Insurance in Hong Kong

Businesses and organizations in Hong Kong that need medical insurance can secure a group medical coverage plan. Group health insurance for expats or Hong Kong locals may cover hospitalization, preventive care, emergency care, and outpatient services. AXA, Allianz, and Bupa are strong providers.

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Are you an employer or organization owner looking to secure a group health insurance package for your employees and their dependents? Are you interested in learning more about your Hong Kong options?

This Pacific Prime article will explain what group health insurance is and what it typically covers in Hong Kong. We’ll also introduce you to five of the best group health insurance providers in Hong Kong so you can begin your search right away!

It may also be helpful to learn about international health insurance for expats in Hong Kong and how Hong Kong’s healthcare system is set up.

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Hong Kong Group Health Insurance

Image of White skyscraper by water at West Kowloon Harbour, Hong Kong with text overlay of "Hong Kong Group Health Insurance"

Group health insurance is a medical coverage plan that insures a group of people and their dependents in Hong Kong, often a group of employees from a company. This is different from a family plan since the registered members of the group do not share family relations.

There are many group health insurance plans for companies in Hong Kong. Employers of small and large companies often wisely provide their employees with a group health plan to entice them to join the company and to retain strong employees.

What Group Medical Insurance Typically Covers in Hong Kong

Hong Kong group medical insurance typically offers employees coverage for hospitalization, outpatient care, doctor visits, emergency services, dental and vision care, and more. Companies in recent years have also begun emphasizing benefits for mental health and overall wellness.

Here’s an overview of what benefits a group in Hong Kong can expect from medical coverage:

Hospitalization and Inpatient Coverage

Coverage for hospital stay expenses, including private or semi-private rooms.
Costs for surgeries, including surgeon, anesthetist, and operating theater fees.
Coverage for specialist consultations required during hospitalization.
Expenses for ICU stays, if required.

Outpatient Coverage

Coverage for routine doctor visits with a General Practitioner (GP).
Access to specialists, often requiring a referral.
Coverage for prescribed medicines related to treatments.
Coverage for X-rays, lab tests, and other diagnostic procedures.

Preventive Care

Annual check-ups or health screenings to encourage preventive healthcare.
Vaccinations and immunizations.

Maternity Benefits (Optional)

Coverage for prenatal and postnatal care.
Delivery and hospitalization costs.
Complications of pregnancy.

Dental and Vision Coverage (Optional)

Routine dental check-ups, cleaning, and basic dental procedures.
Coverage for glasses, contact lenses, or vision correction treatments.

Traditional Chinese Medicine (TCM)

Coverage for acupuncture, herbal medicine, and other approved TCM treatments.
Chiropractic care, if included in the plan.

Mental Health Support

Coverage for counseling or psychiatric consultations.
Access to Employee Assistance Programs (EAPs) for mental well-being.

Emergency and Accident Coverage

Emergency room visits due to accidents or sudden illnesses.
Accident-related medical expenses and rehabilitation costs.

International Coverage

Access to medical care outside Hong Kong, depending on the policy.
Emergency evacuation or repatriation services for serious cases.

Critical Illness Coverage (Optional)

Lump-sum payouts or reimbursement for the treatment of major illnesses like cancer, heart disease, or stroke.

Flexible Claim Limits

Annual limits for inpatient and outpatient claims.
Lifetime coverage limits for chronic or severe conditions.

Wellness Programs

Subsidies for fitness memberships or wellness activities.
Corporate wellness initiatives, such as health talks or workshops.

Group medical insurance plans in Hong Kong can vary based on the employer’s preferences and budget. Always review the policy details to understand the scope and limitations.

Insurers that Cover Groups in Hong Kong

APRIL International, AXA, Bupa Global, Generali, and Allianz are international insurers that provide group medical insurance in Hong Kong for expats, businesses, and groups. Let’s learn about each below.

You can read about the top 10 health insurance providers in Hong Kong for expats here.

April International

APRIL International provides group insurance plans tailored to businesses and organizations of various sizes. Group coverage can apply to SMEs and large corporations, business travel, schools and universities, and NGOs and international organizations. APRIL plans offer comprehensive health coverage.

Employee benefits included in APRIL International group insurance in Hong Kong include:

Local expertise and international service standards
Multilingual customer services
24/7 and unlimited telehealth services
Access to 2 million trusted providers worldwide
Fully digital experience for your group
Freedom to choose your medical providers

APRIL International group plans can cover companies in Hong Kong with 1–100 employees. Contact our Pacific Prime insurance experts for plan specifics.

AXA

AXA offers several customizable international health insurance plans in Hong Kong for groups ranging from 1–74 employees, 75–149 employees, and over 150 employees. AXA plans uniquely cater to the needs of a global group and the local medical insurance industry of Hong Kong.

Here’s a closer look at the AXA group health insurance options in Hong Kong based on the size of your group:

Groups With 1–74 Individuals

Global Health Adapt is the plan for 1–74 employees. The core module for this plan always includes coverage for inpatient care, cancer care, emergency evacuation and repatriation, emergency care surgery, and more.

Optional modules include outpatient care, drugs and dressings, health checks, pregnancy and childbirth, dental, optical, and more.

Groups With 75–149 Individuals

You can choose between the Standard, Comprehensive, Prestige, and Prestige Plus plans. All plans include inpatient care, surgery, virtual care, emergency care, cancer care, dental care, and more.

Groups With Over 150 Individuals

Very large companies or groups can speak with AXA or a Pacific Prime representative to customize a health insurance package to meet the unique needs of your group.

Bupa Global

Bupa Global international group medical coverage plans for expats in Hong Kong provide exceptional health coverage with an added focus on wellness services and preventive benefits. In addition to inpatient and emergency benefits, you can add dental, optical, U.S. cover, maternity, and childbirth.

All Bupa Global Business Health Plans include coverage for mental health conditions, care in the hospital, evacuation and repatriation, cancer and serious illnesses, congenital and chronic conditions, and more.

Here are the various group health plans offered by Bupa in Hong Kong and their annual plan limits:

Business Select: about USD $2,445,000
Business Premier: about USD $3,670,000
Business Elite: about USD $7,338,000
Business Ultimate: Unlimited

Generali

Generali in Hong Kong offers group medical insurance plans for organizations and businesses. These group packages provide comprehensive hospital and surgical benefits, tailor-made add-ons such as outpatient, dental, vision, maternity, and more, and 24/7 worldwide emergency assistance.

Generali allows their customers to customize their group benefit plans, access their extensive medical network of providers, and submit claims virtually without paper submissions.

Here are some of the features included in Generali group health insurance plans in Hong Kong:

Mobile app for Apple and Android
Generali Health Cards for priority access to providers and services
Access to an extensive inpatient, outpatient, and laboratory services network
Flexible individualized benefits for employees and their dependents
Member services hotline
Online e-services with anytime access to forms, benefit details, and claim status checks
Teleconsultation with medical physicians and psychologists through Teladoc Health

Allianz

Allianz Care provides the Summit International Healthcare Plans for Hong Kong-based employees. These group plans can include comprehensive in-patient and out-patient benefits, maternity care, and day-care treatments. These plans offer flexibility to choose your group area of coverage.

Employers can enhance coverage by adding optional benefits such as dental, optical, and repatriation services.

Here are the various group health plans offered by Allianz in Hong Kong and their annual plan limits:

Hong Kong Summit 1750: USD $1,750,000

Hong Kong Summit 2500: USD $2,500,000

Hong Kong Summit 4000: USD $4,000,000

Hong Kong Summit 5000: USD $5,000,000

Allianz Care group insurance plans are for small- to mid-sized companies who need to cover 3–100 employees. If you have more than 100 employees to insure, contact Pacific Prime to discover your available options.

How a Broker Can Help Your Group Get Insurance in Hong Kong

Groups who purchase their insurance plans through a broker instead of directly from the insurance company can save time and money. Brokers save you time by aiding in the research and comparison process, and they save you money by using their market knowledge to find you the best deals available.

Here are some benefits groups get from using an insurance broker:

You get access to more insurance choices
You get experienced insurance experts researching your situation for you
You get access to the most cost-effective plans available
You get assistance when submitting claims for reimbursement
You get expert advice designed to help you find the right plan for you, not to be led to the plan an insurance agent wants you to choose

There are many more benefits to using a broker, and Pacific Prime is your broker of choice. Let us help you find the right Hong Kong insurance plan for your budget and needs. Contact us to learn more!

If you’re not sure the difference between an insurance broker and an insurance agent, read our article that explains it.

Frequently Asked Questions

What does group medical insurance cover?

Coverage for a group medical insurance plan varies by policy but typically includes inpatient and outpatient services. Some plans may offer additional benefits like dental, vision, or maternity coverage. It’s crucial to understand the specifics of your plan.

Is my employer’s group medical insurance sufficient in Hong Kong?

While many employers in Hong Kong offer group medical insurance, the coverage might be basic and not fully meet all healthcare needs. It’s essential to review the policy details and consider supplementary insurance if necessary, likely through a private insurance plan.

Am I eligible for Hong Kong’s public healthcare services as an expatriate?

Expatriates holding a Hong Kong Identity Card are eligible for subsidized public healthcare services. However, the public system may have longer waiting times and limited English-speaking staff. Many expats choose to supplement with an expat international insurance plan.

Can I add family to my Hong Kong group medical insurance plan?

Many group medical insurance plans in Hong Kong allow employees to add dependents, such as spouses and children, to the policy. However, the specifics depend on the employer’s agreement with the insurance provider. Adding dependents may require an additional premium.

Does group medical insurance cover international medical expenses?

Many group medical insurance plans in Hong Kong include international coverage, particularly if they are designed for expatriates or employees who travel frequently. Some plans offer worldwide coverage, while others exclude specific regions, such as the United States, to keep premiums lower.

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Conclusion

Group medical insurance can cover groups of sizes from one to over 3,000 people! Depending on the size and needs of your group, you may choose to be insured by APRIL International, AXA, Bupa Global, Generali, or Allianz.

You can begin comparing their plans online today or contact one of our Pacific Prime insurance experts.

As you begin comparing group health insurance plans you may want to learn more about how to get group medical insurance in Hong Kong.

You may also be interested in reading any of the following articles to learn more about insurance in Hong Kong:

Author
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Serena Fung

Head of Content at Pacific Prime

Serena Fung is the Head of Content at Pacific Prime, a global insurance brokerage and employee specialist serving over 1.5 million clients in 15 offices across the world. With 6+ years of experience writing about the subject, she aims to demystify the world of insurance for readers with the latest updates, guides and articles on the blog.

Serena earned her Bachelor’s Degree in Psychology from the University of British Columbia, Canada. As such, she is an avid advocate of mental health and is fascinated by all things psychology (especially if it’s cognitive psychology!).

Her previous work experience includes teaching toddlers to read, writing for a travel/wellness online magazine, and then a business news blog. These combined experiences give her the skills and insights she needs to explain complex ideas in a succinct way. Being the daughter of an immigrant and a traveler herself, she is passionate about educating expats and digital nomads on travel and international health insurance.