Top 10 Insurance Companies for Expats in Hong Kong (2026)

Expats in Hong Kong looking for health insurance can choose from top providers such as Cigna, AIA, Bupa Global, Allianz Care, and more. These companies offer a wide range of health insurance plans, providing comprehensive coverage for both individuals and families living abroad. 

When relocating to Hong Kong, securing private health insurance is essential to ensure timely access to quality care. While expats with an HKID card can receive heavily subsidized public healthcare, the private system offers faster access, private rooms, and a wider range of doctors. 

In this Pacific Prime article, we will share the top 10 insurance companies in Hong Kong and a comprehensive overview of their insurance plans and benefits. Keep reading to learn all about the best insurance providers in Hong Kong for expats!

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10 Recommended Health Insurance Companies for Expats in Hong Kong

The top ten insurance companies in Hong Kong are Cigna, AIA Insurance, Bupa Global, Allianz Care, and more. These companies have built lasting reputations within the international insurance market and offer insurance plans that fit any budget or lifestyle. 

The full list of the ten best insurance companies in Hong Kong is: 

• AIA
• Cigna
• Bupa Global
• AXA
• Allianz Care
• April International
• IMG Global
• Now Health International 
• Blue Cross Blue Shield Global Solutions 
• William Russell 

We will share more about these insurance providers in the following sections. 

AIA Health Insurance: Comprehensive Plans for Expats in Hong Kong

AIA offers health insurance for expat individuals and families in Hong Kong and is one of the largest pan-Asian insurance groups on the market today. Headquartered in Hong Kong, it specializes in coverage across the Asia Pacific. 

Specific benefit and coverage details of AIA’s health insurance policies vary across regions, but they generally share the same core benefits of inpatient coverage and emergency coverage. They also have optional benefits available, such as: 

• Preventative care
• Dental
• Optical
• Maternity
• Mental health care

Cigna Health Insurance: Global Coverage for Expats in Hong Kong

Cigna Global offers international health insurance to expats in Hong Kong with its Silver, Gold, and Platinum Plans. It is one of the largest international health insurance providers, with a broad global network of 1.65 million hospitals, doctors, and clinics.

Cigna’s three health insurance plans offer comprehensive coverage for inpatient and outpatient services and more. The core benefits shared by these plans are: 

• Inpatient and day patient coverage
• Full cancer care 
• Newborn care coverage
• Private hospital rooms
• Hospital stays and treatments 

Some additional coverage that can be added to these plans is: 

• Dental and vision benefits
• Evacuation and Crisis Assistance Plus™
• Outpatient services
• Health and well-being services

Bupa Global: Flexible Health Insurance for Expats in Hong Kong

Bupa Global partners with Blue Shield Global to provide international health insurance policies in Hong Kong. Their plans come in four varieties: Major Medical, Select, Premier, and Elite. 

Their plans vary in geographical coverage, annual limits, and benefit availability. They do share core benefits such as cancer coverage and inpatient benefits. We will share and compare more of their plan benefits in the table below. 

AXA Insurance: Tailored Health Plans for Expats in Hong Kong

AXA Insurance offers medical protection to expats in Hong Kong with its specialized plans designed specifically for the region. Their plans are available in three options: WiseGuard Medical Insurance Plan, WiseGuard Pro Medical Insurance Plan, and Smart Medicare. 

These plans were created to be compliant with Hong Kong’s Voluntary Health Insurance Scheme (VHIS). This scheme was introduced by Hong Kong’s Health Bureau in 2019 and was designed to improve consumers’ access to private healthcare. 

Each of these plans shares core benefits of inpatient and cancer coverage while varying in benefits and coverage limits. Their plans also include coverage for unknown pre-existing conditions and guaranteed renewal up to age 100. 

In addition to these medical benefits, AXA offers other important services to its members with each of its plans. This includes 24/7 personal support, claims repaid within 48 hours, second medical opinions, and virtual doctor services. 

Allianz Care: International Health Insurance Options for Expats in Hong Kong

Allianz Care is a leading international insurance provider that offers specialized international health insurance plans to expats in Hong Kong. Their three plans, Hong Kong Care, Hong Kong Care Plus, and Hong Kong Care Pro, offer comprehensive coverage to expats in the region. 

When purchasing a plan from Allianz, you will follow three steps. The first is choosing your Core plan and deductible. The second is adding any optional plans, and the final step is choosing your geographical area of coverage. 

The Core plans are the Hong Kong Care plans, while the optional plans are listed below: 

• Outpatient Plan
• Dental Plan
• Repatriation Plan
• Maternity plan

Below, we will compare some of the benefits across the Care plans in a table format. 

April International: Affordable Health Insurance Plans for Expats in Hong Kong 

April International is one of the leading insurance companies for expats in Hong Kong due to their comprehensive MyHealth international health insurance plans. These plans are available to foreigners and Hong Kong nationals alike. 

Their MyHealth plans come in three choices: Essential, Extensive, and Elite. Each plan has different deductible options. In the table below, we will compare some benefits across the MyHealth plans.  

IMG Global: Global Health and Travel Insurance for Expats in Hong Kong

IMG Global is an international insurance company that offers health and travel insurance to expat individuals and families in Hong Kong. Their plans are globally portable, with the choice of worldwide coverage or worldwide excluding the US, Hong Kong, Japan, Macau, Singapore, and Taiwan. 

IMG Global provides international health insurance plans with benefits that include inpatient care, cancer treatment, and prescription coverage. These plans come in four different coverage tiers: Bronze, Silver, Gold, and Platinum. 

The annual limits for these plans are listed below: 

• Bronze: USD $1,000,000 (HKD 7,808,380) per individual 
• Silver: USD $5,000,000 (HKD 39,041,900) per individual 
• Gold:  USD $5,000,000 (HKD 39,041,900) per individual 
• Platinum:  USD $8,000,000 (HKD 62,467,940) per individual 

In addition to the core inpatient benefits offered in IMG’s plans, expats may also be able to purchase additional riders to further their benefits. This includes Dental & Vision Rider, Terrorism, Sports Rider, Term Life Insurance Plus AD&D, and Mobile Device Protection. 

Now Health International: Customizable Insurance Plans for Expats in Hong Kong

Now Health Insurance offers expats in Hong Kong comprehensive and customizable medical insurance plans that start as low as USD $45 (HKD 350) a month for their most basic plan. Their more comprehensive plans can also cover dental treatment or maternity care. 

Now Health offers four different plans to expats in Hong Kong: WorldCare Essential, WorldCare Advance, WorldCare Excel, and WorldCare Apex. These plans vary in annual benefit limits and coverage, but they share similar core benefits, such as inpatient coverage, emergency treatment, and cancer care. 

• WorldCare Essential: Annual maximum plan limit USD $3,000,000 (HKD 23,420,235)
  • The most basic of Now Health’s plans, this policy was designed to cover any emergency illnesses or accidents. It was created for those who want coverage when they need it but also want to keep their premiums as low as possible.
• WorldCare Advance: Annual maximum plan limit of USD $3,500,000 (HKD  27,323,905) 
  • The Advance plan includes inpatient and outpatient services coverage up to the limit amount. Routine maternity care is not included in this plan.
• WorldCare Excel: Annual maximum plan limit of USD $4,000,000 (HKD 31,227,020) 
  • This plan offers coverage similar to WorldCare Advance but with higher benefit levels. You can also add dental coverage.
• WorldCare Apex: Annual maximum plan limit of USD $4,500,000 (HKD 35,130,400) 
  • The most comprehensive of Now Health’s plans, the Apex plan covers dental care and routine maternity care (maternity care requires a 12-month waiting period). 

Blue Cross Blue Shield Global Solutions Health Insurance: Global Coverage with US Benefits for Expats

Blue Cross Blue Shield Global Solutions is a global insurance company offering travel and health insurance plans for individuals and groups in Hong Kong and worldwide. They provide their members access to an extensive provider network and offer customizable, comprehensive plans.

BCBS Global Solutions offers expats health insurance through their core plans: Worldwide Premier and Outside the United States. The Worldwide Premier plan comes with full United States coverage, while the Outside the U.S. plan has a maximum benefit limit of USD $1,000,000 (HKD 7,805,790). 

These plans come with comprehensive benefits, including: 

• Inpatient and outpatient coverage
• Medical evacuation and repatriation of mortal remains
• Mental health and substance abuse coverage
• Preventive care and annual health checks
• Coverage for pre-existing conditions

Both plans come with different choices of deductibles to help you manage your premiums. BCBS Global Solutions is designed specifically for U.S. expats moving abroad, not only offering unlimited coverage worldwide but also one of the most robust U.S. coverages. 

William Russell: Flexible International Health Insurance Plans for Expats in Hong Kong  

William Russell is a reputable leading health insurance provider from the UK, with a strong presence globally. They offer a variety of comprehensive insurance solutions for their members, designed for individuals, families, and businesses. 

In Hong Kong, their international health insurance is available in three different coverage tiers, including: 

• Bronze: Annual benefit limit of USD $1,500,000 (HKD 11,710,570)
• Silver: Annual benefit limit of USD 2,500,000 (HKD 19,517,620)
• Gold: Annual benefit limit of USD $5,000,000 (HKD 39,035,225)

These plans provide comprehensive coverage for hospital treatment, cancer treatment, transplants, mental health treatment, and HIV/AIDS. For those requiring outpatient coverage, well-being benefits, and maternity care, we recommend opting for the Gold plan. 

Frequently Asked Questions: 

How much is expat health insurance in Hong Kong?

According to Pacific Prime’s Cost of Health Insurance Report 2024, international health insurance premiums for expats in Hong Kong average USD $8,339 per year, while family premiums average USD $23,558 per year. Hong Kong ranks second globally, only to the U.S., in terms of health insurance costs. 

How can expats compare insurance policies effectively?

Expats can effectively compare insurance policies by considering key factors like premium costs, coverage limits, exclusions, benefits, and customer reviews. Compare these factors when reviewing multiple insurance providers, and you can find one that suits your preferences best. 

Do expats qualify for subsidized healthcare in Hong Kong? 

Expats can access highly subsidized healthcare while in Hong Kong if they have a valid visa and a Hong Kong ID card. You will be able to apply for an ID card if you plan on staying in Hong Kong longer than 180 days.  

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Conclusion

Expats looking for health insurance can choose between the top 10 insurance companies, including AIA, Cigna, Bupa, AXA, Allianz, April International, IMG, Now Health, BCBS Global Solutions, and William Russell, for the best coverage in Hong Kong and beyond. 

Ready to begin comparing international insurance policies today? Contact the insurance experts at Pacific Prime! We can help you with your insurance journey for free. As an insurance broker, we will not be loyal to any one insurer and can provide unbiased advice. 

You can visit us online at our website or call us at 1-800-868-1451. If you’re interested in comparing quotes on your own, use our free quote tool. 

If you enjoyed this article, check out our others on the top 10 insurance companies for Cambodia and the Dominican Republic!

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Palida Weerawat

Palida is a passionate writer who is now creating content at Pacific Prime Thailand. She recently earned a bachelor’s degree in English from the Faculty of Arts, Chulalongkorn University, where she received formal training to write clearly and effectively. While studying, Palida had experiences publishing social and cultural features on social media platforms and working as an English tutor, where she refined her skills in breaking down complex ideas and explaining them in a simple, straightforward manner—skills that she has transitioned into delivering insurance-related content.

With her background as an avid traveler and as an exchange student in Spain, Palida values the benefits of insurance and understands the frustrations that may come with making the best decisions for your health and safety in an unknown environment. Here at Pacific Prime, she aspires to create content that will help expats and travelers understand international health insurance with ease.

In her spare time, Palida enjoys reading short stories as much as binging on sitcoms. She is also a self-proclaimed "foodie" with the goal of trying as many cuisines from all over the world as possible. Combining her passion for writing with her love for food, she is an aspiring Google Local Guide reviewer.

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