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Hong Kong’s healthcare may be convoluted, but what if we and our partner Pacific Prime Hong Kong told you that the right payment method will alleviate your experience?
Public Hospital Billing
Cost of Public Healthcare
The following are the cost range for public hospitals, namely eligible and non-eligible individuals, and private charges.
Eligible individuals:
| Service | Fee |
| Accident & Emergency | HKD $180/attendance |
| General Outpatient | HKD $50 |
| Community Nursing (General) | HKD $80 |
| Community Nursing (Psychiatric) | FREE |
| Inpatient | HKD $75 admission, HKD $120/day |
Non-eligible individuals:
| Service | Fee |
| Accident & Emergency | HKD $1,230/attendance |
| General Outpatient | HKD $445 |
| Community Nursing (General) | HKD $535 |
| Community Nursing (Psychiatric) | HKD $1,550 |
| Inpatient | HKD $5,100/day |
Private charges:
| Service | Fee |
| Outpatient Consultation | HKD $790-$2,210 |
| Inpatient Consultation | HKD $680-$2,780 |
| Inpatient Care | HKD $6,650/day |
Payment Methods
● In-person payment (cash, cheque, octopus card, EPS, or credit card).
● Cheque, bank draft, or cashier’s order by post (no cash).
● PPS, referencing the Hospital’s Merchant code 83.
● Internet banking services from your bank.
● Pay via ATM with JET PAYMENT signage, using Hospital Authority’s merchant code 9083 (Bill Type: 01).
● Pay by cash at 7-Eleven (max: $5,000).
Private Hospital Billing
Private treatment without insurance will be costly. Also, room and procedure fees are separate from doctor’s fees, prescription, and meals or towels.
Payment Methods
● In-person (cash)
● EPS or credit card
● Bank transfer
● Cashier’s order
Paying via private health insurance is easiest for private hospital billing.
Hospital Billing via Insurance Claim
Making any insurance claim was long and difficult. While insurers need patient reimbursement, there are simpler methods for paying hospital bills.
Patient Reimbursement
This involves paying your treatment upfront, then submitting the receipts to reimburse. However, the process can be long and involved.
Direct Billing
This is where a private hospital partners with a frequent insurer, allowing access to the treatment. Your insurance company will have a website or service for the hospital to confirm your coverage and pass your personal and treatment details to the insurer.
Paying Your Hospital Bill
Know what and when you need to pay. Below are important tips to note:
Out-of-Pocket Payment
● Gather receipts.
● Note down the full payment deadline.
● Understand the methods.
● Ask if financial relief options are available
Reimbursement Insurance Claims
● Contact your insurer before booking an appointment.
● Attend an in-network healthcare provider (a hospital in which your insurance coverage applies to).
● Gather documents, receipts, and prescription notes.
● Define your claim time limit, or your claim could be denied.
● Obtain a claim form as soon as possible.
● If you have any questions, contact your insurer.
Direct Billing Insurance Claims
● Attend an in-network healthcare provider.
● Present your insurance details to the hospital.
● Wait for approval between the hospital and insurer.
● Receive your treatment.
● Finish off co-payment or deductibles.
● Keep documentation and treatment notes for reference.
Should you have any further questions, please get in touch with our partner Pacific Prime.
Check out free, no-obligation Hong Kong insurance quotes here.