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Medical Insurance pays for private medical expenses incurred by the insured. Higher life expectancies coupled with a rise in lifestyle diseases, pollution and stress have made medical insurance a necessity across income and age groups.

 

The main reasons to buy medical, or health insurance are:

1. Rising cost of medical care worldwide –The costs of a major accident, medical emergency or chronic disease can be devastating. Medical insurance protects your assets from the high cost of medical care.

2. Quality & timing of treatment – It enables you to get immediate top quality healthcare without having to worry about a wait for treatment.

The most basic type of medical insurance pays for hospital and surgical expenses. It can be taken out on its own, or coverage may be supplemented by adding benefits for:

• Outpatient coverage, such as if you visit a GP or specialist

• Maternity benefit, including pre-/post-natal treatment and delivery costs

• Dental coverage

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Medical insurance is flexible and offers a variety of options based needs and budget, e.g:

• Geographical scope. The most common are Worldwide, Worldwide excluding USA & Canada, and Asia only.

• Deductibles. This is the easiest way to bring down the cost of medical insurance. It means you contribute a certain amount to the claim, after which the insurer will pay.

• Policy currency. Policies can be issued in currencies such as US Dollar, Pound Sterling, Euro, or Hong Kong Dollars.

Our team offers expert advice on the most suitable medical insurance policy depending on our clients’ age, occupation, current medical condition and budget. Most importantly, we explain in detail about the plan coverage, limits and terms and conditions