Get the flexibility to cover what really matters for your family and yourself with MyHEALTH Hong Kong.
MyHEALTH is the most flexible health insurance plan in Hong Kong.
Customise your plan to meet your needs and find a price that is right for you. Each family member can create their own cover.
MyHEALTH is available to all, Hong Kong nationals, permanent residents, and foreigners.
Mix and match modules to build your ideal coverage
All monetary sums are in USD
Modules | Essential | Extensive | Elite |
Hospital and Surgery | $1,500,000 | $2,500,000 | $4,500,000 |
Outpatient (optional) | $7,000 or 20% co-insurance | Full cover | Full cover |
Maternity (optional) | $5,000 per pregnancy | $10,000 per pregnancy | $15,000 per pregancy |
Dental & Optical (optional) | * | ** | *** |
24/7 Evacuation, repatriation and assistance services | Included up to $1,000,000 | Included up to $1,000,000 | Included up to $1,000,000 |
Co-insurance only applies to expenses covered under your Outpatient module, and is waived when using providers within our Panel Network. Let’s see how your 20% co-insurance would work on a $2,000 consult.
* Example claims to demonstrate how co-insurance and deductibles work on MyHEALTH Hong Kong
Step 1
Create your quotation online
Compare your options to see what best suits your needs and budget
Step 2
Submit your application
Fill in your personal details and medical questionnaire digitally
Step 3
Receive your e-member pack
And enjoy your protection once your application is accepted
At APRIL, we make it our mission to offer a better healthcare experience.
We are more than an insurance provider – we are committed to help you navigate your local healthcare system and support you when it truly matters. And because we believe insurance should be easy, we offer you the best digital tools of the market to manage your policy daily.
At APRIL, we believe you should only have to pay for what you need, and nothing else. You can customise your plan to meet your healthcare needs and budget in just a few steps.
Our Hospital & Surgery module will form the basis of your plan and you can choose to add optional Outpatient, Maternity and Dental/Optical modules. For each module, you can choose from 3 levels of cover: Essential, Extensive and Elite. You can further personalise your cover by selecting your area of cover and discount options. Each family member can have different plan selections under MyHEALTH. Emergency assistance and repatriation is included in all plans.
With MyHEALTH Hong Kong, you can choose your area of cover: Worldwide or Worldwide excluding USA. You will enjoy the same level of coverage and benefits whether you are in Hong Kong or travelling abroad.
We offer portability options so you can take your policy with you if you move to most countries worldwide.
Yes, you can purchase MyHEALTH if you already benefit from a local or company-provided health insurance coverage that isn’t sufficient for you. You can opt for a Hospital & Surgery cover with a deductible (that will be covered by your local plan), as well as optional benefits, such as Outpatient or Dental/Optical.
What does it mean concretely? In case of hospitalisation, your local plan will cover you up to its limit, and APRIL will cover the remaining cost of treatment (up to your annual limit, too). Depending on the modules you choose, MyHEALTH can also cover you for any benefits that are not covered by your local plan.
We offer 3 underwriting methods under MyHEALTH Hong Kong: FMU, Moratorium and CPME.
Under FMU (Full Medical Underwriting), you will have to declare your full medical history during your application. An offer will then be made to you based on your health declaration.
Moratorium is a simplified underwriting method. Your pre-existing conditions may become eligible for coverage after a two-year treatment- and symptom-free period.
Finally, CPME (Continuous Personal Medical Exclusions) allows you to continue your cover under the same terms as your previous health insurance provider without further medical underwriting. To be eligible, your previous insurer must be part of our approved list.
Simplified procedures and faster processing of your reimbursements, anywhere you are.
Take a picture of your medical bills and submit them via your app. We’ll reimburse you fast!
You can also download your insurance card, use telehealth services, search for a doctor near you, and find all your useful contacts.
It's simple - your insurance follows you anywhere in the world.
MyHEALTH is underwritten by Liberty International Insurance Ltd and arranged and administered by APRIL Hong Kong Limited (9/F Chinachem Hollywood Centre, 1-13 Hollywood Road, Hong Kong).
