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Health Insurance for Expats in Hong Kong

Submitted: July 2013

Healthcare in Hong Kong is comparatively expensive, especially for non-eligible persons. See National Health Service for Expats in Hong Kong Therefore, an insurance policy might be strongly helpful.

Expatriates may also consider health-related cross-border planning and retain some healthcare cover in their home country. This can be a cost-efficient option for some non-urgent treatment, but careful consideration must be given to the burden associated with repatriation (financial issues, energy and time, etc.).

If you are an eligible person, the need for health insurance is less compelling as you may benefit from low prices at public hospitals.

Expats should be wary of possible cultural differences surrounding health insurance, particularly if healthcare in their home country is financed almost exclusively through insurance and/or the tax system. In Hong Kong, you always have to pay something, even if you are an eligible person.

Tax treatment of health insurance

Employer-provided private health insurance is a tax-free benefit in kind. At the moment, no further tax benefits in connection with health insurance are available for expats in Hong Kong.

Dental care insurance

The public sector doesn’t provide dental care services, except in certain emergencies. Otherwise, you normally have to seek private treatment. See Health Emergencies for Expats in Hong Kong As a consequence, you might wish to check how dental care is covered by your policy.

To find a private dentist in Hong Kong, you can browse this directory.

 

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