Expert Guide to Choosing Your Health Insurance - Baltimore Post-ExaminerBaltimore Post-Examiner

Expert Guide to Choosing Your Health Insurance

Arguably, the most important insurance in one’s life is health insurance. The provider and coverage you choose can make the difference between insurmountable debt and early and efficient care. When living abroad health insurance is even more critical. In this article, I will be providing you with an easy guide to choosing an ideal health insurance coverage option for you and your family.

Let’s Dive In

First, let’s compare public vs. private insurance.

In Hong Kong, the medical system is comparable and offers affordable options. There is also That being said, as an ex-pat, private insurance tends to be the most favorable option since it alleviates wait time and is also is not cost-prohibitive. Here are just some of the benefits of choosing private health insurance in Hong Kong:

  • Medical professionals that speak English

  • Expedited appointments

  • More Availability

  • Quicker Diagnoses

  • Access to name brand medications

For all these reasons and more many ex-pats choose to go private. Private health insurance can also be an affordable option offering a variety of choices to choose from. For example, companies like Trusted Union offer quotes from ALC, Cigna, and A+ health insurance.

When it comes to specific coverage consider your family’s needs. Here are a few different options to consider when choosing your plan:

Maternity Health Care

If you are considering starting or adding to your family, choosing Maternity Health Insurance is imperative. This coverage will cover all your prenatal health, inpatient and outpatient needs as well as emergency situations such as C-Sections.

Since this insurance must be bought prior to conception it is a good idea to include this in your health coverage.

Outpatient Care

The most popular type of coverage, choosing this health insurance plan provides all the coverage you get from inpatient (to be described shortly). Outpatient will also cover visits to any specialists you may need, prescription drugs, diagnostics, as well as rehab and physiotherapy. Included with all of these benefits are check-ups and vaccines.

Inpatient Coverage

Basic insurance is great for a young person just starting out. This type of health insurance may be suitable in the event you need any treatment in a hospital. This includes surgery, treatments, and transplants, as well as any medications that may be necessary.

However, it will not cover the additional benefits of outpatient coverage.

Other policies you can take advantage of include dental, and alternative therapy. Alternative therapies are both popular and more accessible throughout Asia. For example, acupuncture, Osteopathy, and Homeopathy can all be covered with alternative therapy health insurance.

Take Away

When planning your move abroad don’t wait until you get there to get quotes and choose the proper health coverage for your family. You can contact experts, like Trusted Union, in the field for the best quotes and choose your preferred policy. Outpatient care is the most popular covering all the various needs one might have throughout their lifetime. For starters, some people choose simpler coverage like inpatient or maternity health care.


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