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International Health 
Insurance for Hong Kong 

The insurer for our Hong Kong plans is Allianz Global Corporate & Specialty SE, Hong Kong branch,  supported by AWP Health & Life SA, trading as Allianz Care.

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.

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.

Drawing on our many years of expertise, we've carefully crafted a selection of plans designed specifically for Hong Kong.

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Maximum plan limit
HKD 38,750,000 
Maximum plan limit
US$ 4,000,000/
HKD 31,000,000
Maximum plan limit
US$ 2,500,000/
HKD 19,375,000
Type of room
Private Room
Private Room
Semi-private Room
In-patient / Day-care
Medical evacuation
Organ transplant
Nursing at home
US$ 5,740/ HKD 44,770
US$ 3,375/ HKD 26,330
US$ 2,025/ HKD 15,800
Rehabilitation treatment
US$ 5,970/ HKD 46,570
US$ 3,375/ HKD 26,330
US$ 2,700/ HKD 21,060
Preventive Surgery
US$ 40,500/ HKD 315,900
Laser eye treatment
US$ 1,350/ HKD 10,530
Accidental death benefit
US$ 13,500/ HKD 105,300 
Expat Assistance Programme (EAP)
Travel Security Services
Digital Health App
US$ 70/HKD 540 
US$ 70/HKD 540 
US$ 70/HKD 540 
MyHealth Digital Services
Second Medical Opinion Service
Plan Deductibles

Deductible amount


No deductible

US$ 610/ HKD 4,760

US$ 1,015/ HKD 7,920

US$ 2,025/ HKD 15,800

US$ 4,050/ HKD 31,590

US$ 8,100/ HKD 63,180

US$ 13,500/ HKD 105,300

Discount on your Core plan 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 Core plan 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

Dental plan
Repatriation plan
Getting your policy is much easier and faster when you choose our Moratorium underwriting option. There are no medical questionnaires to complete. It’s hassle free.
From the 15th of July 2024 until the 15th August of 2024.
Selected plans only. T&Cs Apply.
Get in touch today to request a quick quote. If you have a question, would like to learn more, or if you just want to chat through your options, our International Health team are here to help.
Call us on +353 1 514 8480
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.

Coverage for pre-existing medical conditions (including pre-existing chronic conditions) depends on the medical underwriting terms you accepted.

  • For policies which were fully medically underwritten, pre-existing conditions are generally covered unless we say otherwise in your policy documents.
  • For policies with moratorium, pre-existing conditions are only eligible for coverage once you’ve completed a continuous 24-month period after your start date and have not had symptoms, needed or received treatment, medication, a special diet or advice, or had any other indications of the condition during that time. 

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.

Find out more

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.

Did you know that we have a support page for members with all you need to know to make the most of your cover.