Group Health

These are optional riders that you can include in your plan for an additional premium.

Depending on which insurer and policy you purchase, some plans can include worldwide and include or exclude USA. If your plan covers Worldwide including USA, you can receive treatment anywhere in the world. If you your plan covers Worldwide excluding USA, you can receive treatment anywhere except within the USA. Let us know and we can reccommend the relevant plans based on your needs.

When designing your company's tailored health plan, you can often choose to include a deductible to manage the premium cost. A deductible is a fixed amount that the insured employee must pay out-of-pocket for covered medical expenses before the insurance policy begins to pay.

Key Feature of Our Hong Kong Plans:
A significant advantage of the group plans we secure for our clients is that the deductible is typically applied on an annual basis, not per claim. This means once an employee's total eligible medical payments reach the deductible amount within the policy year, the insurance will cover 100% of any further eligible expenses for the remainder of that year, up to the policy limits.

Example:
If your plan has an annual deductible of HKD 2,000 and an employee receives treatment with covered costs of HKD 5,000, they would be responsible for the first HKD 2,000. The insurer would then cover the remaining HKD 3,000. Any subsequent eligible claims within the same policy year would be paid in full by the insurer, subject to the plan's terms and conditions.

As your broker, we will clearly explain the implications of adding a deductible and help you choose the structure that best balances cost-efficiency with robust coverage for your team.