If you have typed “hospital insurance” into a search bar from a desk in Central, you are almost certainly in one of two situations. Either your employer’s scheme has just ended — through a move, a promotion into a consulting arrangement, or retirement — or you have looked at the renewal notice on a full medical plan and wondered whether you are paying for a great deal of cover you never actually use.
Both are sensible places to start. But the search itself hides a distinction that decides the whole shape of what you buy. A hospital and surgical policy and a full medical policy are not the same product with different price tags. They are built to solve different problems. One is designed to stand between you and a very large, very sudden bill. The other does that too, and then adds a layer of day-to-day cover on top — GP visits, specialist consultations, physiotherapy, sometimes dental and optical.
This article sets out exactly what a hospital and surgical plan pays for, exactly what it leaves you to pay, and how to work out which side of that line you belong on. We will follow three expats through it — a 31-year-old who wants nothing but catastrophe cover, a 61-year-old who has just come off a company scheme after thirty years, and a 55-year-old cyclist with a family and a four-year posting — because the differences between them are the differences that decide the answer.
Related reading
- Private and public hospital care in Hong Kong — what the two systems actually feel like from the bed, and what each one costs.
- What health cover costs in Hong Kong in 2026 — the price bands by age, and the levers that move them.
- How health insurance actually works here — deductibles, panels, direct billing and reimbursement, explained plainly.
- what a private admission actually bills at — the published cost ranges, and why the estimate and the invoice can diverge.
If you already know the shape of cover you want, our main page on hospital and surgical insurance is the place to start.
Hospital and surgical cover does not sit on its own. Our medical insurance page sets out how it fits alongside outpatient, life and top-up cover.
What a hospital and surgical policy actually is
A hospital and surgical plan — you will also see it written as an inpatient plan, or H&S — pays for treatment you receive as an admitted patient. The trigger is admission. Once you have been admitted to a hospital bed under a doctor’s care, the policy starts paying the bills that flow from that admission: the bed, the theatre, the surgeon, the anaesthetist, the specialists who visit you on the ward, the scans ordered while you are in, the drugs and dressings, and usually a defined window of follow-up after you are discharged[1].
That is a deliberate design choice, not a gap. Small medical costs are predictable and budgetable. Large ones are neither. Insurance is at its most efficient when it is pointed at the risk you genuinely cannot self-fund, and at its least efficient when it is being used to prepay routine spending with an administration margin attached. Reimbursement cover of this kind pays your actual expenses up to a stated cap, rather than handing you a fixed sum per day[1].
Inpatient, day case, outpatient: the three words that decide everything
Almost every argument about whether a claim is covered comes back to which of these three buckets the treatment fell into.
Inpatient means you were admitted and occupied a bed overnight or longer. This is the core of every hospital and surgical plan. Day case — sometimes called day patient or same-day surgery — means you were admitted, had a procedure in a theatre or endoscopy suite, and went home the same day. Good hospital and surgical plans treat day cases as inpatient, and this matters more every year as more surgery moves to same-day[2]. What your policy actually pays for a day case is worth checking in detail before you need it. Outpatient means you were never admitted at all: you saw a GP, a specialist in their clinic, a physiotherapist, or went for a scan and walked out afterwards.
What a hospital and surgical plan pays for, benefit by benefit
A private hospital bill in Hong Kong is not one number. It is a stack of separately itemised charges, and each one is matched by a separate benefit line in your policy. Understanding the stack is the fastest way to understand what you are buying.
Room and board. The bed itself, nursing care and meals, charged per day. This is where your choice of ward class — standard, semi-private, private — has the biggest effect, because a policy that reimburses a private room rate is doing far more work than one pegged to a ward bed[3].
Surgeon’s fee. The single largest line on most surgical bills, and the one where policies vary most. Insurers band it by the complexity of the procedure — minor, intermediate, major, complex — with a separate maximum for each band[3].
Anaesthetist’s fee and operating theatre charges. Both are typically expressed as a percentage of the surgeon’s fee benefit rather than as standalone amounts. If the surgeon’s fee limit is thin, these two are thin with it[3].
Specialist and attending doctor fees while you are an inpatient. The cardiologist who reviews you on the ward, the physician who signs off your discharge. Covered while you are in a bed; not covered when you see the same doctor in their clinic three weeks later, unless the plan carries a post-hospitalisation benefit[3].
Miscellaneous hospital charges. Dressings, drugs administered on the ward, laboratory tests, imaging ordered during the admission, dispensary items. It is a small-sounding line that adds up quickly[3].
Intensive care. A separate, higher daily benefit, because an ICU bed costs a multiple of a standard one[3].
Pre- and post-hospitalisation. Most good plans reimburse consultations and diagnostics in a defined window before admission and follow-up visits in a window afterwards — typically measured in weeks[3]. This is the bridge between the inpatient world and the outpatient world, and it is one of the more valuable benefits on a hospital-only plan.
Hospital and surgical versus full medical insurance: what each one actually buys
| Benefit | Hospital & surgical | Full medical |
|---|---|---|
| Room and board, theatre, surgeon, anaesthetist | Covered | Covered |
| Intensive care and inpatient specialists | Covered | Covered |
| Day-case surgery | Usually covered — check the wording | Covered |
| Pre- and post-hospitalisation visits | Covered inside a defined window | Covered, plus routine visits |
| GP visits, clinic specialist visits | Not covered | Covered to an annual limit |
| Physiotherapy, chiropractic, TCM | Only if part of an admission | Covered, session limits apply |
| Dental, optical, health screening | Not covered | On higher tiers only |
| Maternity | Not covered | On higher tiers, after a waiting period |
What it does not pay for — and why that is the point
A hospital and surgical plan will not reimburse you for walking into a clinic with a chest infection. It will not pay for the dermatologist you see about a mole, the six physiotherapy sessions after you tweak your back, the annual health screen, the dentist, the optometrist, or the vaccinations before a trip. Routine maternity sits outside it too.
The problem people run into: they buy a hospital-only plan, submit a HK$1,800 specialist consultation, and are surprised when it is declined.
The way to avoid it: decide before you buy which bills you intend to self-fund, and write that number down. If your household comfortably absorbs a few thousand HK dollars of clinic costs a year, the hospital-only shape usually makes sense. If it doesn’t, you are buying the wrong product to save money.
There is a second category worth naming: things no plan of either type covers. Cosmetic surgery, experimental treatment, self-inflicted injury, and — the one that catches expats most often — anything arising from a condition you already had when the policy started, unless the insurer has accepted it in writing[4]. Which brings us to a point we will come back to when we meet David*.
The size of the bill your medical insurance is actually there for
Hong Kong runs two parallel hospital systems, and the gap between them is the whole reason this product exists.
In the public system, the Hospital Authority publishes a standard schedule of fees and charges. For Hong Kong residents holding an eligible identity document, an acute general ward bed is charged at a heavily subsidised daily rate, with a separate admission fee[5][6]. It is one of the best-value healthcare arrangements anywhere in the world, and it is genuinely excellent clinical care. What it does not give you is a choice of surgeon, a private room, or a short wait for a non-urgent procedure.
For people who are not eligible persons under the Hospital Authority’s rules,[7] the published non-eligible rates for the same acute bed are dramatically higher — the schedule sets them at thousands of Hong Kong dollars per day before a single procedure is added[8]. If your visa status, or that of a family member, puts you outside eligibility, the public system stops being a cheap fallback.
And in the private system, the bill is built the way we described above: itemised, and driven overwhelmingly by the surgeon’s fee and the length of stay[9]. A straightforward procedure with two nights in a private room is not a small number[10]. A complex one with a stay in intensive care is the kind of number that reorders your finances.
Where the Voluntary Health Insurance Scheme sits in all of this
The Voluntary Health Insurance Scheme is a Government-certified standard rather than an insurer. A plan carrying the VHIS certification mark has to meet a published set of minimum benefits and, just as importantly, a published set of consumer protections: guaranteed renewal regardless of how your health changes, no lifetime benefit limit, coverage of unknown pre-existing conditions phased in over the first few policy years,[4] and tax deduction on qualifying premiums[11].
Those protections are meaningful — particularly guaranteed renewal, which is the single feature people most regret not having when they need it[4]. Many panel insurers offer both a VHIS Certified Plan and a higher-limit international plan, and some allow you to run a certified plan as the base with a top-up layer above it. Whether that structure suits you depends almost entirely on where you expect to be treated, which is the theme of the next section.
A story from the desk
A client came to us after a knee arthroscopy in a private hospital in Kowloon. He had a hospital-only plan and assumed the whole episode was covered. Most of it was — the admission, the theatre, the surgeon, the two nights. What he had not expected was the eight weeks of physiotherapy afterwards, at a few hundred Hong Kong dollars a session, none of which fell inside his plan’s post-hospitalisation window. It came to a little under HK$14,000 out of pocket. He was not unhappy with the policy; he was unhappy that nobody had told him where the line sat. That conversation takes ten minutes at the point of purchase and saves a great deal of irritation later.
Three expats, three different shapes of cover
The abstract version of this decision is not very useful. The specific version is. Here are three situations we could easily be sitting across the table from this month.
The people below are fictional personas we have put together to show which options tend to suit which situations. They are not real clients. Our client information always remains 100% confidential.
Daniel*, 31 — catastrophe cover and nothing else
*Fictitious persona based on situations we see regularly. We never reveal client information.
Daniel* is 31, Singaporean, single and in good health, with no claims history and an unusually clear-headed view of what he wants insurance to do: stand between him and a catastrophe, and stay out of the way otherwise. He goes to a doctor perhaps twice a year and pays cash without thinking about it. He expects to be in Hong Kong for another two or three years and travels regionally most months.
The shape that follows from that is an inpatient-led plan on a worldwide-excluding-USA area, with a high excess. He does not need outpatient depth, dental or optical, and buying them would push his premium up for benefits he would not claim. The high excess is the more interesting lever: on a mid-tier plan, moving from a moderate excess to a high one can take somewhere in the region of 30% to 45% off the premium,[12] and Daniel* has both the cash flow and the temperament to carry that first slice himself.
David*, 61 — off the company scheme for the first time in thirty years
*Fictitious persona based on situations we see regularly. We never reveal client information.
David* is 61, Canadian, and has recently stepped back from a long corporate career into part-time work. For three decades his medical cover arrived as a line in an employment contract. It has now stopped, and the individual market price at 61 has come as a genuine shock. He has a couple of long-standing conditions already on his record — both well controlled, both known to any insurer that looks at him. He intends to stay in Hong Kong.
Two things are true at once for David*. First, the price is real and not a mistake: on a mid-tier plan, premiums rise several times over between age 40 and age 65, and the 45-to-55 stretch alone is a steep rise[12]. Second — and this is the part that matters more — his conditions are now on the record, which means switching insurer late is a genuinely risky move. A new insurer underwrites him afresh, and conditions of that kind are exactly the sort of thing that attracts an exclusion or a loading[4].
So the conversation with David* is about levers, not about products. Trimming outpatient back and keeping a strong inpatient core. Testing what a higher excess does to the number. Confirming that dropping the United States from his cover area — he has no intention of being treated there — takes roughly half the premium out[12]. Whether a VHIS Certified Plan with its guaranteed renewal belongs at the base of the structure[4]. This could be the better fit for him, but we would not know for certain until we had a current schedule of benefits open in front of us and had gone through it together, line by line.
Klaus*, 55 — the cyclist with a family and a four-year posting
*Fictitious persona based on situations we see regularly. We never reveal client information.
Klaus* is 55, German, and in Hong Kong with his wife and a school-age child. He is a serious road cyclist and has already come off the bike once here — which was, as he puts it, educational. He expects to be here four years. He is moderately price sensitive: he will pay for cover that earns its place, but he wants to see it earn it.
Klaus* is the clearest case of the three for a hospital and surgical core with one targeted addition rather than a full medical plan. That accident taught him what actually happens after an injury of that kind: the admission is the short part, and the physiotherapy is the long part. So the cover shape that fits him is inpatient on a worldwide-excluding-USA basis, plus a defined outpatient physiotherapy benefit — and, separately, a personal accident policy sitting alongside the medical cover to deal with the things a medical plan is not designed for, such as income disruption or a permanent-impairment lump sum after a serious crash[13].
The four levers that move a hospital insurance premium
Every quote you receive is the output of four decisions. If you understand them, you can steer the price rather than simply accept it.
1. Geography — by a distance the biggest lever. The three standard cover areas are Europe only, worldwide excluding the USA, and worldwide including the USA. Adding the United States roughly doubles the premium — about twice at age 30, a little over twice from 35 to 50, higher again in the sixties, and around two and a half times at 70[12]. Most Hong Kong expats are choosing between the middle and top options, and most of them do not need the top one.
2. Excess or deductible — a significant reduction. Measured against a mid-level excess, a nil excess costs noticeably more, a moderate excess saves around 10% to 18%, and a high excess saves somewhere in the range of 30% to 45%[12]. This is the lever that rewards people who can genuinely carry the first slice, and punishes people who choose it on optimism.
3. Benefit tier. The gap between an entry tier and a top tier at the same age is a substantial multiple[12]. It is worth being clear about what that money buys: most of it is outpatient depth, dental, optical and maternity — not better inpatient care. The surgeon operating on you is the same surgeon.
4. Age at entry, and then staying put. From 40 to 65, a mid-tier premium rises around 3.6 times[12]. This is why entering earlier matters, and why moving insurer late in life — once conditions are on your record — carries a risk that has nothing to do with price.
Which shape tends to suit which situation
- You self-fund routine care without noticing: a hospital and surgical core with a moderate-to-high excess is usually the efficient shape. You are buying the risk you cannot absorb and paying cash for the risk you can.
- You have young children: outpatient depth tends to earn its keep, because small children generate a steady stream of clinic visits. A hospital-only plan often ends up feeling thin.
- You are managing a chronic condition: the outpatient and prescription lines matter far more than the headline inpatient limit. Look there first.
- You have just come off a group scheme: restructure rather than cancel, and check whether guaranteed renewal is in place before you change anything.
- You do something physical for fun: pair the medical cover with a personal accident policy. They solve different problems and neither substitutes for the other.
- You are not sure you will still be in Hong Kong in three years: cover area and portability outrank almost everything else in the benefit table.
What a hospital and surgical plan is likely to cost
We will not put a single number on a page and call it a price, because it would be wrong for almost everyone reading it. What we can give you is the honest shape of the market. The figures below are for a Hong Kong resident, worldwide excluding the USA, on a mid-tier plan with a moderate excess — the reference point most people are actually comparing against[12].
How to read a benefit table without losing your afternoon
Benefit tables are long, and the differences that matter are rarely the ones printed in the largest type. Six questions cut through most of it.
First: is room and board a fixed daily amount or reimbursed at the reasonable and customary private-room rate? That single distinction changes the character of the plan. Second: how is the surgeon’s fee banded, and what is the maximum in the top band? Third: are anaesthetist and theatre charges expressed as percentages of the surgeon’s fee? If so, the surgeon’s fee limit is doing three jobs at once[3]. Fourth: how long are the pre- and post-hospitalisation windows? Fifth: is day-case surgery explicitly inside the inpatient section?[2] Sixth: is renewal guaranteed, and what happens to your premium and your terms after a large claim?[4]
Who a hospital and surgical plan suits — and who needs full medical insurance instead
It suits people who can comfortably absorb routine medical costs and want their premium concentrated on the risk that would genuinely hurt. It suits people coming off a group scheme who need to rebuild cover around a strong inpatient core at a price they can sustain for years rather than months. It suits people with a specific physical risk profile who would rather add a targeted benefit — physiotherapy, personal accident — than pay for a whole tier of extras they will not use.
It suits people less well when there are young children in the household, when a chronic condition generates continuous outpatient spending, or when maternity is on the horizon. In those cases the outpatient layer is not a luxury; it is where the money actually goes.
A story from the desk
A couple in their late fifties came to us convinced they had to cancel and start again, because their renewal had gone up by more than they had budgeted for. We opened the schedule instead. They were on a top benefit tier they had chosen eleven years earlier when their children were at school, still paying for a maternity benefit neither of them could use, on a worldwide-including-USA area for a country they had last visited in 2016. Moving the cover area, stepping the tier back one level and lifting the excess brought the number back inside their budget without touching the inpatient core, and without either of them being re-underwritten. Nothing about that was clever. It was just an hour with the documents open.
That is the honest through-line of this whole subject. Getting the right hospital cover is not hard because the products are bad — the products from the insurers we work with are, on the whole, very good. It is hard because the differences that decide your outcome are buried in benefit tables, area definitions and renewal terms, and because the right answer for Daniel* is the wrong answer for David* and neither of them is Klaus*. Working out which one you are is the job. We keep going until the cover actually fits the person in front of us.
How You Get the Hospital Cover You Need
I do not start with a product. I start with your situation — where you want to be treated, who is on the policy, what you can comfortably self-fund, and how long you expect to be in Hong Kong. Everything after that is arithmetic. Here is how it runs.
We talk it through
A proper conversation about your health history, your family, your travel and your budget. If you already hold cover, bring the schedule — it usually answers half the questions on its own.
We compare across the panel
We put the relevant plans side by side on the lines that actually decide claims — room and board, surgeon’s fee bands, day-case treatment, renewal terms — not the marketing headline.
We stay with it
We handle the application and any underwriting questions, then review the cover each year as your situation shifts. When you need to claim, you have someone to call who already knows the file.
Let’s find out which shape actually fits you
Tell us your age, who else is on the policy and where you want to be treated, and we will come back with a clear comparison across our panel. No obligation, and no pressure to move if what you already hold is doing its job.
Speak with us today
No pushy sales. Just honest advice from a licensed Hong Kong broker.
Phone: +852 3563 9771
Email: [email protected]
Office: Suite 701, Connaught Commercial Building, 185 Wan Chai Rd, Wan Chai, HK
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Frequently asked questions
Is hospital and surgical insurance the same as medical insurance?
No. A hospital and surgical plan covers treatment you receive as an admitted patient — room and board, theatre, surgeon, anaesthetist, inpatient specialists and a window of pre- and post-hospitalisation care[1]. A full medical plan includes all of that and adds an outpatient layer: GP visits, clinic specialist consultations, physiotherapy, and on higher tiers dental, optical and maternity.
Does a hospital plan cover day surgery where I go home the same day?
On most well-built plans, yes — day-case procedures are treated under the inpatient section[2]. But the wording varies between insurers, and more procedures move to same-day every year. It is one of the specific things worth confirming in the policy document before you buy rather than assuming.
I have Hong Kong permanent residency. Do I need private hospital cover at all?
You are entitled to the public system at the subsidised rates published in the Hospital Authority’s fees and charges schedule,[5] and the clinical care is genuinely good. What private cover buys is choice — of surgeon, of hospital, of room, and of timing for non-urgent procedures. Whether that is worth the premium is a personal call, and it changes as you get older.
What does VHIS certification actually give me?
A certified plan has to meet the Government’s published minimum benefit schedule[3] and carry a set of consumer protections: guaranteed renewal, no lifetime benefit cap, phased coverage of unknown pre-existing conditions,[4] and tax deduction on qualifying premiums[11]. It is a floor of protection, not a ceiling — many privately purchased plans provide considerably higher limits on top.
How much can I save by taking a higher excess?
Measured against a mid-level excess, a high excess typically saves somewhere in the region of 30% to 45%, and a moderate one around 10% to 18%. a nil excess costs noticeably more[12]. The saving is real, but only choose it if you could genuinely write the cheque for the excess amount without it changing your year.
My employer’s scheme has ended. Should I just buy the cheapest plan I can find?
Price matters, but at that moment two other things matter more: whether renewal is guaranteed, and how any existing conditions will be treated by a new insurer[4]. Once conditions are on your record, changing insurer later becomes harder and more expensive. Getting the structure right at the point you leave a group scheme is worth more than shaving the first year’s premium.
Do I need personal accident cover if I already have a hospital plan?
They solve different problems. A hospital plan pays medical bills. A personal accident policy pays defined lump sums for death or permanent impairment following an accident,[13] and some versions include a weekly benefit while you are unable to work[14]. If you cycle, ride a motorcycle, or do anything else with a meaningful injury risk, the two together cover more ground than either alone.
Expat Insurance Editorial Team
Our articles are prepared by the Expat Insurance editorial team, drawing on the day-to-day casework of our licensed brokers and insurance specialists in Wan Chai. Between them, our advisors bring more than 60 years of combined experience arranging medical, life, business and personal insurance for expatriates and local families across Hong Kong.
Sources
- Insurance Authority (Insurance Education Corner), Insurance products — Medical insurance: establishes what hospitalisation cover actually reimburses — “expenses in relation to hospitalisation, including room and board, doctor’s visit fees, surgery fees and miscellaneous charges” — and that medical insurance works “on a reimbursement basis to cover the actual medical expenses, subject to a cap”, as distinct from a hospital cash plan that pays a fixed daily amount.
- Voluntary Health Insurance Scheme, Consumer Corner — Frequently Asked Questions: confirms that VHIS Certified Plans must “cover surgical procedures (including endoscopy) not conducted during hospital stay (such as day procedure centres)” — the day-case point — alongside prescribed diagnostic imaging tests and prescribed non-surgical cancer treatments.
- MSIG Insurance (Hong Kong), VHIS Standard Care — benefit schedule: the full certified Standard Plan schedule quoted in this article — annual benefit limit HK$420,000 per policy year; room and board HK$750 per day to a maximum 180 days; intensive care HK$3,500 per day to 25 days; surgeon’s fee banded HK$5,000 (minor) / HK$12,500 (intermediate) / HK$25,000 (major) / HK$50,000 (complex); anaesthetist’s fee and operating theatre charges each 35% of the surgeon’s fee payable; miscellaneous charges HK$14,000 per policy year; specialist’s fee HK$4,300; one prior outpatient or emergency consultation and three follow-up visits within 90 days of discharge per confinement or day case.
- Voluntary Health Insurance Scheme, Information Centre — Frequently Asked Questions (Q8, Q17, Q42): the consumer protections carried by every Certified Plan — “guaranteed renewal up to age of 100 years” regardless of any change in health after policy inception; no lifetime benefit limit; and unknown pre-existing conditions covered at 25% in the second policy year, 50% in the third, and “full coverage i.e. 100% … from the fourth year onwards”. Also confirms tax deduction of up to $8,000 per insured person per year of assessment.
- Hospital Authority (HA Connect), Public Charges — Eligible Persons: the published subsidised schedule — acute general ward maintenance fee HK$300 per day; Accident & Emergency HK$400 per attendance (Triage Category I and II fee-exempt); specialist outpatient clinic HK$250 per attendance plus HK$20 per drug item; half maintenance fees for children under 12.
- HKSAR Government press release, “Hospital Authority implements fees and charges reform rationalising healthcare services and enhancing patient protection” (25 March 2025): the reform effective 1 January 2026 — A&E from $180 to $400, acute inpatient daily maintenance from $120 to $300, cancellation of the $75 admission fee, and a $10,000 cap on annual spending on public healthcare services for eligible persons.
- Hospital Authority (HA Connect), Definitions of Eligible Persons and Non-eligible Persons: eligibility is limited to “holders of Hong Kong Identity Card issued under the Registration of Persons Ordinance (Chapter 177)” (excluding those whose permission to land or remain has expired), “children who are Hong Kong residents and under 11 years of age”, and other persons approved by the Chief Executive of the Hospital Authority; everyone else is a Non-eligible Person.
- Hospital Authority (HA Connect), Public Charges — Non-eligible Persons: the non-subsidised schedule for the same beds — general (acute) ward HK$7,400 per day, intensive care HK$35,600 per day, high dependency HK$21,000 per day, A&E HK$2,100 per attendance, specialist outpatient HK$850 per attendance. This is the “thousands of Hong Kong dollars per day” figure cited in the article.
- Consumer Council, “Study Reveals Information Asymmetry and Price Uncertainty in Private Healthcare Services”: quantifies how far private bills move for the same procedure — the 50th-percentile price for inpatient haemorrhoidectomy ranged from HK$33,881 to HK$85,387 across hospitals (a 152% difference) — and identifies length of stay, room class, choice of doctor and treatment method as the drivers. Also records that 10.6% of consumers received a final bill exceeding their budget estimate by 20% or more.
- Pilot Programme for Enhancing Price Transparency for Private Hospitals (Office for Registration of Healthcare Facilities, HKSAR Government): the common platform on which every participating private hospital publishes historical bill-size statistics at the 50th and 90th percentile for 30 common non-emergency procedures — the primary public evidence for how large a private admission bill actually gets.
- Inland Revenue Department, Frequently Asked Questions — Voluntary Health Insurance Scheme (VHIS) Policy: confirms the tax treatment referenced in this article — “the maximum deduction allowable is capped at $8,000 for each insured person”, and that “only the taxpayer as policy holder or his spouse is eligible to lodge deduction claim”.
- Expat Insurance provider pricing file, IMG GPMI Master Rates (1 April 2026): the source of the premium ranges quoted in this article. Client confidential information. Our policy and pricing documents are shown to clients in full during the advisory process, so you see every option we put in front of you.
- MSIG Insurance (Hong Kong), Claim case sharing — Personal Accident Insurance vs. Medical Insurance: establishes that the two products solve different problems — medical insurance reimburses hospitalisation costs, “miscellaneous expenses, intensive care fees and post-hospital follow-up treatment charges”, while personal accident insurance provides “a single indemnity to the insured if he/she suffers permanent disablement or accidental death” (up to HK$1 million on the plan cited).
- MSIG Insurance (Hong Kong), Claim case sharing — Temporary Disablement benefit in Personal Accident insurance: the income-replacement point — a weekly benefit of “up to 80% of his/her average weekly earnings” while the insured is unable to work, supported by a medical certificate and employer sick-leave proof, and designed for full-time permanent employees rather than the self-employed.
Hospital and surgical benefits, public hospital charges, VHIS requirements and tax rules change over time, and every figure above reflects the sources listed at the time of writing. This article is general information only. It is not personal financial advice and it is not a recommendation of any particular product or insurer — the right shape of cover depends entirely on your own age, health history, family, travel and budget. Our policy and pricing documents are client confidential and are shown to clients in full during the advisory process, so you have complete transparency on every option we present. To talk it through, call +852 3563 9771, email [email protected], or use the contact form on our website.
