Making access to healthcare simpler, easier and safer
Do you travel frequently, either alone or with your family? If so, we can make access to healthcare easier for you. Our International Healthcare plans were designed for people who spend long periods overseas. It works much like health insurance at home: you’re not just covered for emergency treatment, but also for your diagnosis and post-treatment care.
Our Core Plans are flexible, affordable and comprehensive, covering in-patient and day-care treatments at home and abroad.
Our plans also include treatment for covid-19, subject to
terms and conditions.
Your cover is also subject to:
Policy definitions and exclusions
Any special conditions shown on your Insurance Certificate (and on the Special Condition Form issued before the policy comes into effect, where relevant).
Any policy endorsements, policy terms and conditions and any other legal requirements.
Costs being reasonable and customary in accordance with country of treatment, standard and generally accepted medical procedures. If we consider a claim to be inappropriate, we reserve the right to decline or reduce the amount we pay.
Cover is not provided if any element of the cover, benefit, activity, business or underlying business violates any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations.
Please check your Insurance Certificate, Benefit Guide and Table of Benefits to find out more.
Digital or in-person support around the clock
Health and wellbeing tools
Digital for convenience
Global telehealth services
Monthly live webinars
24/7 Helpline in 6 languages
Second Medical Opinion
Build your plan
With our international healthcare range of plans, you can choose one that best suit your needs and budget
Step 1: Choose your Core plan and pick a deductible
Our core plan options include a comprehensive selection of in-patient benefits and day-care such as hospital accommodation, surgery, medical evacuation and much more. All our core plans include a selection of Global Health Services that aim to improve the quality of your life.
Step 2: Add any of the optional plans
Provides flexibility and choice to enhance your cover by adding any of our optional plans, such as out-patient, dental, maternity and repatriation cover.
Step 3: Choose your area of cover:
Worldwide, Worldwide excluding USA
Global access to cover so you can use your cover in any country included within your area of cover. It is a good idea to select an area where you normally travel to or is based for work purposes.
Terms and conditions and regulatory restrictions apply.
Health insurance plans for Hong Kong at a glance
Drawing on our many years of expertise, we've carefully crafted a selection of plans designed specifically for Hong Kong.
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Hong Kong Care Pro
Maximum Plan Benefit
Hong Kong Care Plus
Maximum plan benefit
Hong Kong Care
Maximum plan benefit
Type of room
In-patient / Day-care
Where necessary treatment is not available locally, we will evacuate the insured person to the nearest appropriate medical centre
Where ongoing treatment is required, we will cover hotel accommodation costs
Evacuation in the event of unavailability of adequately screened blood
If medical necessity prevents an immediate return trip following discharge from an in-patient episode of care, we will cover hotel accommodation costs for a max. of 7 days
In-patient, day-care and out-patient treatment; must commence within 14 days of discharge after the acute medical and/or surgical treatment ceases.
In-patient and out-patient treatment
Laser eye treatment
Accidental death benefit
Insured members aged 18 to 70
Global Health Services
Expat Assistance Programme (EAP)
Offers access to a range of 24/7 multilingual support services as follows:
Confidential, professional counselling (in-person, phone, video and chat)
Legal and financial support services
Critical incident support
Wellness website access
Travel Security Services
Offers 24/7 access to personal security information and advice for all your travel safety queries. This includes:
Emergency Security Assistance Hotline (not a free phone number)
Country intelligence and security advice
Daily security news updates and travel safety alerts
Olive Health & Wellness support program
Our Health & Wellness support program includes, for example:
HealthSteps fitness app
Access to wellness resources
Digital Health App
Reimbursement for one digital health app of your choice for the prevention, detection and management of a disease or condition.
MyHealth Digital Services
Manage your cover online with our app or portal
Submit and track progress of claims
Access your policy documents, health services, payment details and more
Second Medical Opinion Service
Offers access to expert help on the best treatment options available, if you have been diagnosed with a serious illness or had surgery recommended.
Optional Core Plan Deductibles
Deductible, also referred to as ‘excess’ in health insurance, is the part of the cost that is payable by you and that we deduct from the amount we will pay. Where deductibles apply, they are payable per person, per Insurance Year.
$610/HKD 4,760 deductible
$1,015/HKD 7,920 deductible
$2,025/HKD 15,800 deductible
4,050/HKD 31,590 deductible
$8,100/HKD 63,180 deductible
$13,500/HKD 105,300 deductible
Discount on your annual premium when you don’t add a maternity plan
0% premium discount
5% premium discount
10% premium discount
20% premium discount
35% premium discount
50% premium discount
60% premium discount
Discount on your annual premium when you add a maternity plan
0% premium discount
2.5% premium discount
5% premium discount
10% premium discount
17.5% premium discount
25% premium discount
30% premium discount
10 months waiting period applies to some dental benefits.
10 months waiting period applies to some maternity benefits.
Find the answers to our most commonly asked questions about the nature of our cover and how we protect members globally.
This is the geographical territory where your cover is valid. We offer multiple geographical area of cover options – please check your Insurance Certificate to confirm which one applies to you.
For example, if your area of cover is “Worldwide”, this means that your cover will be valid everywhere* in the world. If your area of cover is “Africa”, then your cover will be valid everywhere in Africa.
*Our policies don’t provide any cover or benefit for any business or activity to the extent that either the cover or benefit or the underlying business or activity would violate any applicable sanction law or regulations of the United Nations, the European Union or any other applicable economic or trade sanction law or regulations. The areas of cover are subject to your policy terms and conditions.
We generally cover pre-existing conditions (including pre-existing chronic conditions), unless we say otherwise in writing before policy inception. If your underwriting terms are moratorium or CPME/CTT (previously MORI), there will be a 24 month waiting period before claims for any pre-existing medical conditions may become eligible. Once you’ve completed a continuous 24-month period after your start date, your pre-existing medical condition may be covered, provided that you’ve not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition.
For further information, please contact our Sales team.
Moratorium underwriting sets a waiting period for pre-existing medical conditions to limit the insurance risk. This means that:
You won't need to tell us about pre-existing conditions of any member to be covered when you apply.
There will be a 24-month waiting period before claims for any pre-existing medical conditions will become eligible.
Pre-existing medical conditions may be covered, provided the member did not have symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition. This is suitable for individuals or groups where members have no pre-existing conditions.
Claims Process may be longer as each time we receive a claim, we'll look at the member medical history. We may also ask for additional information to understand if the symptom or condition is new or pre-existing.
This option is available to individuals or groups with 3 to 9 policies
Availability of Moratorium Underwriting is dependent on geographical location and the relevant local country regulations in place.
Full medical underwriting is when we assess the insurance risk before cover starts. This means that:
You’ll be asked to complete a medical questionnaire for each person to be covered, telling us about pre-existing conditions when you apply.
Pre-existing conditions may not be covered (or there may be a surcharge to cover pre-existing conditions). Members will be asked to complete an application form disclosing their medical history before cover starts. Our underwriting team will then assess the information and decide if we are able to offer cover for medical conditions disclosed on the form.
Claims process is shorter because we already know if pre-existing conditions are covered.
This option is available to individuals or groups with 3 to 9 policies.
This means that we will cover you on an emergency basis if you are on a short term visit outside your region of cover. For example, if you are on holiday in the USA, but have purchased a Worldwide Excluding USA plan - There is cover for emergencies in the USA for a maximum of 42 days (for trips of a maximum period of six weeks – unlimited number of trips). Please see our Benefit Guide and Table of Benefits for general terms & conditions.
Most of our contracts are for one year – but we have a short-term plan to suit members who need international health insurance for less than a year.
For all products, there is a 30 day cooling off period from the start date. After this, the policy may not be cancelled until renewal, regardless of whether a monthly or annual payment frequency is chosen. For more information please contact our dedicated sales team on +353 1 514 8480.
In-patient cover relates to all treatment which occurs when a member is an "in-patient" (staying overnight/for a period of time) in the hospital. Out-patient claims (such as doctor visits, buying prescription drugs) would only be covered if an out-patient plan was bought together with the in-patient one. We have a range of different levels of cover for both in-patient and out-patient treatment.