BY LFSINSURANCEHealth Insurance
Start with your healthcare priorities. Explore the questions that help you discuss medical cover with an adviser.
Where would you like treatment?
Think about the places where you live, work and may need care. Ask an adviser to explain the geographical limits in any proposed policy.
What matters to you?
Prepare a list of your priorities, such as hospital care, outpatient visits and family needs. Check each benefit against the actual policy wording.
What should you compare?
Ask about benefit limits, deductibles, exclusions, waiting periods and renewal terms, as well as the premium.
Prepare for your conversation
- Write down where you expect treatment and any preferred hospitals.
- Separate essential benefits from features you would simply like to have.
- Ask which benefits have separate caps within the overall policy limit.
- Discuss deductibles, co-insurance and amounts you would fund yourself.
- Ask how pre-authorisation and claims documents work.
Your questions, answered
What should I compare besides the premium?
Compare treatment locations, benefit limits, what you pay yourself and the claims process. Use equivalent options and assumptions.
Does a large annual limit mean every bill is paid?
No. Individual benefit caps, exclusions and other conditions may still affect a claim. Read the benefit schedule with the policy wording.
Is direct billing automatic?
No. Confirm the hospital, treatment and approval requirements for the particular policy. Direct billing does not remove amounts you must pay yourself.
Can I check hospital eligibility here?
The Hospital Checker is not connected. Confirm eligibility with the insurer or adviser before arranging treatment.
Read our practical guide
Your health insurance conversation checklist →
Reference: LFSinsurance’s health comparison guide. Content checked 6 November 2026.
LFScompare will offer selected providers and plans, rather than the whole Hong Kong market. A logo does not mean every product is available. Ask which options are included in your comparison.
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