I'm set to come to Hong Kong next Thursday and unfortunately fractured my arm yesterday. I also just found out that my current insurance isnt covering me in HK, though I thought it would. So with a week left before departure I have a broken arm and no health insurance when I get there for the 8 weeks of physical therapy I've been prescribed.
Does anyone have any suggestions on insurance that would cover pre-existing conditions, like a broken arm, or a physical therapist that would take me without insurance?
Any advice/help is appreciated. I dont plan on this stalling my trip at all, but I fear it could if I cant get insurance.
Please support our advertisers:
tala
17 yrs ago
There are travel insurance policies that cover pre-existing conditions - depending on where you are resident. Have a look at 'www.the-insurance-surgery.co.uk', which I just found by Googling 'travel insurance pre existing'. However, here in HK you don't need insurance to see a therapist - just money! On a positive note, you may be able to take advantage of some TCM/acupunture while you're here.
Please support our advertisers:
postpone your trip - a fractured arm badly treated can turn into a lifelong liability. plus you will need to exert energy while moving, and will worsen it.
If you do come, you may be able to use gov hospitals at a reasonable cost w/o insurance, but I doubt the treatment will continue where you left off seamlessly.
Please support our advertisers:
Unfortunately I cannot postpone my trip, so I will definitely be leaving on Thursday. I have not yet started treatment for my arm, but since the fracture is extremely minor (you can barely see it on the x-ray) I was told PT wouldnt be a problem.
If anyone has suggestions for physical therapists, I would greatly appreciate it. Thank you.
Please support our advertisers:
Hi cara -- I think Ill end up going private. If you have any recs I would appreciate it! Around how much per session? Feel free to PM me!
Thanks!
Please support our advertisers:
190k
17 yrs ago
A minor fracture may not require intensive PT simple exercises in your hotel room should do the trick. Check with your PTist before your leave for exercises you can do.
Gov't PT in HK has a waiting list of betweeen 3-6 weeks depending on which area you live and you need a referral from a doctor. Without a HK I/D card the cost of Gov't PT would be similar to going private.
Please support our advertisers:
I dont mind going to a private PT group, in fact I think I may prefer it. I just want to know ballpark how much should I expect sessions to cost and if anyone has any solid suggestions for a PT.
Thanks!
Please support our advertisers:
I am sorry to tell you that you will not find any medical insurance or travel insurance that is going to pay for this pre-existing condition.
If they did, it would not be insurance
Please support our advertisers:
I am currently having physio on my knee. Although mine is covered b y my insurance. Where will you be living/staying when you arrive?
I go to one in Discovery Bay, both are Wesern Caucasian therapists and another I go to is in Central and he is Chinese
, but an Expat, so perfect English. (DB charge $500 HK a session)
Please support our advertisers:
You must be logged in to be able to reply.
Login now
Copy Link
Facebook
Gmail
Mail