Healthcare coverage/plans

Can anyone shed some light on healthcare insurance in China?


What is considered a good healthcare plan (group) from a company?


What is a good individual healthcare plan?

Group medical insurance will be cheaper then individual. For hospital cover age upto 65 years old only around HK$700/year. Individual medical can carry life time protection but the annual premium may increase according to age growth. Don't know you need out-patient or not. Blue cross out-patient for individual start from around HK$1600/year for unlimited Physical visits. If you want to cover chinese Medicine practitiner's visit will be over HK$2000/year. Group package for out-patient premium around HK$1300/year.

Group Medical insurance plan

Hospitalization Benefit included : (HK$)


R & B (Limit per day,max. 60 days) 450

Hospital Special Services (Limit per disability) 7000

Surgical Fees (Limit per disability)42000

Anaestetist's Fees (Limit per disability)12600

Operating Theatre Fees (limit per disability)12600

In-hospital Doctor's Visit (Limit per day,max. 60 days)450

In-hospital Specialist Consultation(limit per disability)2000

Intensive Care(Limit per day, max.15 days)800

Post-hospitalization Care(within 6 weeks after discharge from hospital, limited per disability) 500

Emergency Out-patient Accident Treatment (Limit per disability) 500

Hospital Income (for confinement in the general wards of Hospital Authority's and in lieu of all other hospitalization benefits) (limited per day, max. 60 days)200

Annual Premium per person is around HK$700


Product provider is a top five player in the local general insurance market and listed on the Hong Kong Stock Exchange.


That is very basic benefit for hospitalization, if you need more protection benefit will cost more.