BY LFSINSURANCELFScompare editorial · Updated 6 November 2026
Start with the care you want access to. Bring your existing personal policy and employer benefit summary so an adviser can understand what you already have.
Questions to take with you
- 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.
Ask for a comparison you can understand
Request the name of each provider and option, the assumptions behind the quotation and an explanation of material differences. Ask what happens if a treatment exceeds a benefit limit.
Keep the documents behind the decision
Keep the benefit schedule, policy wording and any written explanation you rely on. Ask what information the insurer needs from you and how the application will be assessed.
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.
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.
Reference: LFSinsurance’s health comparison guide.
This guide is general information, not a personalised recommendation, quotation or underwriting decision.