International Health Insurance has been developed for expatriates living outside of their country of residence. If you are living or working abroad, there are many challenges and worries that need to be overcome and accessing the right medical treatment without a suitable health insurance plan can be difficult and in many cases, very expensive. The international health insurance coverage allows you the freedom and peace of mind to receive medical treatment in a hospital or clinic of your choice anywhere in the world within the geographical area you have chosen without the financial worry. In addition, most international health insurance policies provide evacuation, repatriation and worldwide assistance.

Local Health Insurance plans only provide coverage in Hong Kong have developed differently than those found in international health insurance plans. These policies come with reduced claim limits to reflect the localized hospital networks used by local nationals. Although additional dental, maternity and health check benefits can be included; they will also be restricted to lower levels of coverage.

A medical plan purchased from a local provider may appear to save money in the short term. However, it is advisable to obtain as much knowledge as possible before making important decisions that protects your health. The level of cover with a local provider in comparison with an international medical insurance plan can prove to be very disappointing as the level of coverage and the limits varies.