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The primary sort of medical insurance coverage out there in Hong Kong is that which is often referred to as Native Health Insurance coverage.” Merely put, native medical health insurance plans are designed to guard you solely throughout the borders of Hong Kong, meaning that in the event you require healthcare protection while abroad you will sometimes must buy brief-time period journey insurance policy.
These restrictions are compounded by the fact that many Native Hong Kong health insurance insurance policies will restrict the age at which the policyholder is able to proceed the protection – often capping the flexibility to renew the policy at 65 years of age, which means that such a plan may not be capable of present complete protection for as long as it’s needed.
On top of this, IPMI policies in HK will usually have extraordinarily excessive coverage limits (usually exceeding US$ 1,000,000 or more per policy 12 months), and many corporations offering worldwide health insurance plans will normally guarantee the renewability of the coverage for your complete life of the policyholder – making certain that the protection is there as and when it’s needed.
Just as there are two types of Health Insurance coverage accessible in Hong Kong there are literally two very distinct options for protection with the products that many people simply think about home insurance coverage;” and as Hong Kong has some of the most expensive real estate costs on this planet, you are positively going to need to contemplate obtaining some form of protection in your property.