Hong Kong Life
Medical Protection
HONG KONG LIFE - Medical ProtectionP.1

The Pressure of Modern Lifestyle
Makes Health Issues Unavoidable

Which puts you constantly in a state of
“suboptimal health” having
headaches, tiredness, insomnia ...
and these might develop into
serious illness

3 Most Fatal Illnesses in Hong Kong1

1stCancer
2ndPneumonia
3rdHeart
Disease
Source:
  1. DATA.GOV.HK: Death Rates by Leading Causes of Death ( 2023)

Cancer is Particularly Worrying

3 Most Fatal Cancers in Hong Kong2

1st 2nd 3rd
Male Lung Cancer Colorectal Cancer Liver Cancer
Female Lung Cancer Colorectal Cancer Breast Cancer
>30,000people are
diagnosed with
cancer in Hong
Kong year 2022
One
diagnosisin every
About 15 minutes

The risk of cancer increases with our age

About1% Age: 0-19
About8% Age: 20-44
About38% Age: 45-64
About53% Age: ≥65

2013-2022 average age distribution of newly diagnosed cancer cases3

Source:
  1. The major newspapers in Hong Kong
  2. DATA.GOV.HK: Statistics on Cancer

What Do You Need Most When Illness Strike

Professional &
Reliable Medical Care
Hefty Medical Expenses HK$
Colorectal Cancer 78,813 - 443,9604
Breast Cancer 39,344 - 146,0134
Worrying how to pay the bill
Long Term Recuperation
with Peace of Mind
Income and Expenditure HK$
Median Monthly Income for
Professionals (2024)		 $46,0005
Monthly Household Expenses
(Private housing sector) including:
Housing $16,670 Transportation $2,601
Dining Out $5,482 Food $3,172
Sundries $5,451 Others $4,520
$37,8956
Family expenses budget will be stricken
Source:
  1. The above charges are based reference from major on private hospitals in Hong Kong.The actual cost may include additional expenses (2024)
  2. Data.Gov.HK : Median monthly employment earnings of employed persons by occupation of main employment and sex
  3. Data.Gov.HK :2019/20 Household Expenditure Survey - Average Monthly Household Expenditure by Commodity/Service Section/Group by Type of Housing

Public Medical Resources Are Always in High Demand

Waiting Time for Stable New Case Booking at Specialist Outpatient Clinics (Median)7:

Gynaecology:25 – 71 weeks
Medicine:29 – 67 weeks
Eye:35 – 88 weeks

Resource Allocation for Public Medical Services:

Medical inpatient bed occupancy rate8
Max 131%
Nurse-to-bed ratios9
1:20 (morning and afternoon shift)
1:30 (night shift)

Delays in treatment can worsen your health. Can you afford to wait?

Source:
  1. Data.Gov.HK : Waiting Time for New Case Booking for Specialist Outpatient Services by Specialty and Cluster (May 2025)
  2. Data.Gov.HK : Key Statistics during Service Demand Surge
  3. The major newspapers in Hong Kong

Private Medical Services Offer Comprehensive Facilities
and Reliable Services

Rising medical costs is a burden for most people

2009-2025 Room Charges at Private Hospitals

Increases in the past 16 years10

Private Room
61%
Semi-private Room
51%
Standard Ward
67%
2014-2024 Charges for
Medical Services

Increases in the past 10 years11

Medical Services
38%

With overall medical costs skyrocketing, the charges for treatments are hard to anticipate.

Source:
  1. The fee schedules of major hospitals in Hong Kong (2009-2024)
  2. Data.Gov.HK : Consumer Price Index - Commodity/Service Section and Group level

New Medical Technologies and Treatments Bring in New Hope

Cancer

Proton Therapy
It involves meticulous computation and regulation of the precise depth and intensity of the proton beam, enabling it to precisely aim at the tumour and delivering a concentrated burst of energy at the end of its range.

HK$228,000
- $668,00012

Liver cancer

Non-invasive Histotripsy
Price for Liver Cancer Histotripsy Package:

HK$310,00012

Aortic Stenosis

TAVI
Minimally invasive surgical procedure avoids traditional Thoracotomy surgery, and thus reduces damage

HK$260,00012

New treatments offer faster
recovery and less harmMore expensive

Would you choose traditional treatments that may have slower recovery and more side effects?

Source:
  1. Major Private Hospitals in Hong Kong (2025)
    2. *Please consult Doctor Professional Advice

Group Medical Insurance Provided By Your Employer
may not Fully Cover Your Medical Expenses13

Private Room

Copayment 34%

Group medical benefits
cover 66%

Semi-private Room

Copayment 28%

Group medical benefits
cover 72%

Standard Ward

Copayment 30%

Group medical benefits
cover 70%

You will be out of the group medical coverage upon your resignation or retirement

Source:
  1. The Hong Kong Federation of Insurers Medical Claim Statistics, 2022

Case Sharing

Mr. Wong

40 years oldSenior manager of a
trading companyMarried with 2 children

Status
  • Has enough life insurance coverage for his family
Worries
  • Mr. Wong is a busy executive used to work under pressure, with minor health issues like tension, headaches and insomnia
  • Recently, a former classmate underwent cancer treatment in hospital at great cost, making Mr. Wong realized that he needs more comprehensive medical Medical Protection
Needs
  • In the event that he were hospitalized, he could have reimbursement to lessen his financial burden
  • Mr. Wong has already been covered by his employer’s group medical plan, but he hopes to make up for the potential shortfall with a private insurance plan
Suggestion
  • Mr. Wong could consider Hong Kong Life’s Medical and Dread Disease Plan, in order to enjoy comprehensive Medical Protection
  • This example is not intended to constitute a recommendation or advice. Please do not rely solely on this example to make application decision. Before applying insurance plan, you may also seek independent and professional advice.

Medical Medical Protection Plan

  • Reimbursement for hospital expenditures, so you don’t need to worry about huge medical expenses
  • Fills the gap left by your company’s group medical plan
  • Choose the plan and benefit class that suits your needs
  • Additional hospital income plan offers cash benefits when you were hospitalized

Dread Disease Plan

  • Choose the Medical Protection amount that suits your needs
  • Receive a lump-sum compensation once you are diagnosed with critical illness which is covered by the plan
  • Use this compensation to pay for any excessive medical expenses
  • Or use the compensation to pay for non-medical expenses, such as everyday bills or rehabilitation charges

Contact Us

Plan ahead and let our professional team to conduct a detail financial needs analysis for you, to ensure you have enough medical and dread diseases Medical Protection for you and your loved ones.

2290-2882

HongKongLifeCS@hklife.com.hk
Disclaimer
  1. This promotional material contains general information for reference and is applicable within Hong Kong Special Administrative Region only. It is also governed by the laws of Hong Kong.
  2. The information provided is based on sources which Hong Kong Life believes to be reliable but has not been independently verified. Hong Kong Life makes no responsibilities nor accepts any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/or losses caused thereby. Any examples given are for the purposes of illustration only.
  3. This promotional material is not intended to constitute a recommendation or advice to any prospective customer and is not intended as a substitute for professional advice. Please do not rely solely on this promotional material to make application decision. Before applying insurance plan, you may also seek independent and professional advice before making any decision.
  4. In case of any discrepancies between the Chinese and English version, the English version shall prevail.

Issued by Hong Kong Life Insurance Limited

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