In order for a group medical insurance policy to be valid in Hong Kong, the following individuals must be considered members: the policyholder, the spouse of the policyholder, and any dependent children of the policyholder or spouse. Non-dependent children of the policyholder or spouse who are still attending school full time are also considered members, as long as they are not living with their parents.
If a dependent child is no longer attending school full time, they are no longer considered a member of the policy. Group medical insurance in Hong Kong typically covers a number of health services that would otherwise be covered under the individual's own health insurance coverage. This includes treatment for illnesses and injuries, maternity care, psychiatric care, and dental care. Policies may also cover medications and surgery.
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Group medical insurance policies usually have lower premiums than individual medical insurance policies. However, group medical insurance policies may not cover all of the services that individual medical insurance policies cover. In addition, group medical insurance policies may have exclusions for certain types of injuries or illnesses. It is important to read the terms and conditions of a group medical insurance policy before signing up for it.
Medical insurance is one of the most important things that you need to take care of if you are a resident of Hong Kong. When traveling to other countries, it is always advisable to have medical insurance in case something happens while you are away from home.