Individual Health Insurance - Introduction
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Introduction
As we see things, there are basically three kinds of health plan for us to consider, depending largely, on our budget and preference when it comes to dealing with insurers or managing agents.
The plans we choose will be designed for one of the following markets:
- The International expatriate market
- The Hong Kong professional market
- The Hong Kong mass market
- Short Term Health insurance
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POINTS OF DIFFERENCE
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Expatriate Market | Local HK Professional Market | Local HK Mass Market | |
| Insurers | Managing Agents / Underwriters | Insurers / Plans | Insurers / Plans | |
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Examples of Individual Health Insurance plans available in Hong Kong
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Allianz Wolrdwide Care | ALC (AXA PPP) | AIG CEO 2 | BUPA Asia / BupaCare |
| AXA PPP | April (Lloyds) | AXA Optimum | FWD / Caring Family | |
| AXA HK | Aetna (Starr Insurance / Interglobal) | Blue Cross Taipan/Tycoon | Generali / GenHealth | |
| BUPA Global | A Plus (AXA) | BUPA Asia Gold/Crystal | Liberty / Easycare | |
| Cigna | GlobalHealth (Liberty) | FWD One Medical | MSIG / Medisure Plus | |
| Globality | IntegraGlobal (LAMP) | Liberty proMedico | QBE/ HealthProtector | |
| IPH (Lloyds) | Manulife ManuMaster | QBE / Outpatient | ||
| NowHealth (AXA) | Prudential PruMyhealth | MSIG / Medisure Plus | ||
| Henner (Allianz/AXA) | Sun Life Bright Superb | |||
| William Russell (Allianz) | Zurich Health Noble | |||
In addition to our own experience, we also observe how insurers and managing agents treat our clients when it comes to claims.Similarly to our clients, we at Navigator are also users of medical insurance. All our staff and dependents have the benefit of the Foyer Sante's ''Essential' plan, with 100% in and outpatient reimbursement.