Written by
John Spencer
John Spencer is the founder of Compare Expat Plans, focusing on clear, neutral information to help people find health coverage abroad.
Last updated: January 27, 2026
Allianz Care in Hong Kong
Allianz Care is a major international health insurance provider serving expats in Hong Kong. With international comprehensive coverage, it offers thorough protection for expats who want peace of mind.
The key advantage of Allianz Care over local Hong Kong insurers is portability—if you leave Hong Kong, your coverage comes with you. For expats who travel frequently or aren't certain they'll stay long-term, this flexibility is valuable.
Who It's Best For
Best For
Frequent travelers needing worldwide coverage beyond Hong Kong
Not Ideal For
HK-only residents—local insurers have stronger private hospital relationships
Visa & Insurance Requirements
Health insurance is not mandatory but strongly recommended
- Hong Kong doesn't strictly require health insurance for most visa types
- However, private coverage is strongly recommended for quality care
Visa Tip
Even without a requirement, having coverage protects you from unexpected medical costs.
Network & Hospital Coverage
Allianz Care maintains a network of hospitals and clinics in Hong Kong. Major cities typically have multiple in-network options with direct billing available.
What You Get
- Use online provider finder or mobile app to locate network providers
- Direct billing available at major network hospitals
- Can use any licensed provider with reimbursement option
- 24/7 assistance line can help locate nearby care
Things to Know
- Network coverage is strongest in major cities and expat areas
- Rural areas may require travel to larger cities or reimbursement claims
- Verify specific hospitals are in-network before planned procedures
Check Allianz Care's Network
Verify coverage in your specific Hong Kong location before purchasing.
View Provider DetailsPricing Guide for Hong Kong
Typical cost: $100-200/month for comprehensive coverage
Factors That Affect Your Premium
- Age (premiums increase significantly after 50)
- Deductible amount ($0-$5,000+ options available)
- Coverage area (worldwide vs regional)
- US coverage inclusion (adds 30-50% to premium)
- Add-ons like dental, vision, maternity
Ways to Save
- Consider a higher deductible—routine care is affordable locally
- Pay for minor care out of pocket and use insurance for major expenses
Allianz Care vs Local Hong Kong Insurers
How does Allianz Care compare to local insurance options in Hong Kong? Here's the key differences:
| Factor | Allianz Care | Local Insurers |
|---|---|---|
| Monthly Cost | Higher ($150-300+) | Lower ($60-150) |
| Coverage Area | Worldwide | Hong Kong only |
| Language Support | English 24/7 | Often local language |
| Network Size | Good in major cities | Very extensive locally |
| If You Move Countries | Coverage continues | Must cancel and restart |
| Claims Process | International standard | Local process |
| Pre-existing Conditions | Underwriting required | Varies by insurer |
Bottom line: Choose Allianz Care if you travel frequently or might relocate. Choose a local insurer if you're settling in Hong Kong long-term and want lower costs with the best local network.
Common Scenarios
Here's how Allianz Care works for different expat situations in Hong Kong:
Digital nomad staying 6-12 months
Allianz Care works well—coverage continues if you move to another country, and meets most visa requirements.
Retiree settling long-term
Consider whether you need worldwide coverage. If staying put, a local insurer might offer better value. Allianz Care is better if you travel frequently.
Family with children
Allianz Care offers family plans with pediatric coverage. Check maternity benefits if planning more children (usually 10-12 month waiting period).
Remote worker traveling regularly
Ideal fit—Allianz Care's worldwide coverage means you're protected whether in Hong Kong or traveling for work.
Using Your Allianz Care Coverage in Hong Kong
Getting Care
- Find a provider — Use the online directory or app to locate in-network hospitals and doctors
- Show your card — At network facilities, present your insurance card for direct billing
- Pay your share — Only pay your deductible or copay (if any)
If You Use Out-of-Network Care
- Pay the provider directly
- Get itemized receipts with diagnosis codes
- Submit claim via app or online portal
- Receive reimbursement in 5-15 business days
Emergency Care
In emergencies, go to the nearest hospital regardless of network status. Contact Allianz Care within 48 hours to coordinate coverage. Emergency care is covered at any facility.
Support
Allianz Care offers 24/7 multilingual support. Claims can be submitted via mobile app, online portal, or email.
Frequently Asked Questions
Is Allianz Care accepted for Hong Kong visa applications?
Hong Kong doesn't require health insurance for most visa types, so acceptance isn't typically an issue. However, having proof of coverage can strengthen your application.
Can I use any hospital in Hong Kong with Allianz Care?
You can receive care at any licensed medical facility in Hong Kong. Network hospitals offer direct billing (cashless treatment). For non-network providers, you pay upfront and submit a claim for reimbursement, typically processed within 5-15 business days.
What if I leave Hong Kong?
Your Allianz Care coverage continues wherever you go. Simply update your residence country with the insurer. This is a major advantage over local insurance, which typically ends when you leave.
How does Allianz Care compare to local Hong Kong insurers?
Allianz Care costs more but offers worldwide coverage, English support, and portability. Local insurers cost less with more extensive in-country networks. Choose Allianz Care if you travel frequently or might relocate; choose local if you're staying long-term and want lower costs.
How do I find doctors and hospitals?
Use Allianz Care's online provider finder or mobile app. You can search by location, specialty, and language. The 24/7 assistance line can also help locate care anywhere in Hong Kong.
What's not covered by Allianz Care?
Common exclusions include: pre-existing conditions (may be covered after waiting period or with loading), cosmetic procedures, experimental treatments, and injuries from extreme sports (may require add-on). Dental and vision are typically optional add-ons. Review your specific policy for complete exclusion list.
Alternatives to Consider
Allianz Care isn't the only option for expats in Hong Kong. Here are other providers to compare:
Cigna Global
Best for: Expats planning to relocate—portable coverage that continues when leaving HK
BUPA Global
Best for: Pre-existing conditions—BUPA also operates BUPA HK locally with good conversion options
IMG Global
Best for: Budget-conscious expats willing to manage higher out-of-pocket costs
See all insurance options for Hong Kong →
Compare Allianz Care to Alternatives
Find the best fit for your situation in Hong Kong.
Compare PlansDisclaimer: This guide is for informational purposes only. Coverage details, pricing, and network availability change. We are not insurance brokers or licensed advisors. Verify all information with Allianz Care and relevant authorities before making decisions.