Health Insurance for Hong Kong

Straightforward health plans for expats, residents & citizens of Hong Kong.


Our range of international health plans.

Elite Bronze Elite Silver Elite Gold
Annual benefit limit HK$11,625,000 or US$1,500,000 HK$19,375,000 or US$2,500,000 HK$38,750,000 or US$5,000,000
Hospital treatment & private accommodation Full cover Full cover Full cover
GP & specialist consultations Cover for post-hospital treatment only Full cover Full cover
Cancer treatment Full cover Full cover Full cover
Kidney dialysis Full cover Full cover Full cover
Traditional Chinese medicine No cover HK$388 or US$50 per session, up to 15 sessions HK$388 or US$50 per session, up to 20 sessions
Well-being benefit (6-month waiting period) No cover HK$2,325 of US$300 HK$5,813 or US$750
Routine dental cover (6-month waiting period) No cover HK$7,750 or US$1,000, subject to a 20% co-insurance (this benefit is optional on the Silver plan) HK$11,625 or US$1,500
Routine maternity care (10-month waiting period) No cover No cover HK$116,250 or US$15,000 per pregnancy
Emergency medical evacuation Full cover Full cover Full cover
View full plan details Elite Bronze Elite Silver Elite Gold

For full details on our health plans, please click ‘View full plan details’. Please note that we do not cover pre-existing medical conditions and related conditions.

Emergency medical assistance

Our customers can rely on our 24/7 medical assistance helpline for immediate help at any time. If medically necessary, we will send an air ambulance to your location to transport you to a hospital where you can receive the treatment you need.

Choose direct billing

When you apply for a health plan, you can choose direct billing for cashless access to some of Hong Kong's best hospitals & medical providers. Simply show your membership card when you have your treatment & the provider will send your bills directly to us for settlement.

Helping you look after your health

At William Russell, we believe that prevention is better than cure. That's why our Silver & Gold health plans each provide an annual benefit to cover your health checks, vaccinations & eye examinations.

Taking care of our cancer patients

Treatment is covered in full across all our health plans. We also cover genome testing of malignant tumours, so treatment can be tailored to your personal medical needs. We also provide cover for a wig & consultations with a counsellor & dietitian following the diagnosis of cancer.