Health Insurance
10 articles written by the advisers who handle the cover and the claims.
USD 50,000 for a Neck: What Cervical Disc Replacement Actually Costs in Hong Kong
Live with the pain, pay $50,000 for private surgery, or wait 183 weeks in the public queue. What cervical disc replacement in Hong…
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Which Plan Should You Buy? Start With the Question Nobody Can Answer
After thirty years, my first question to a client is always the same: Are you here for good? And if not, how long? Why portability…
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"Usual, Customary and Reasonable": The Clause That Turns Full Cover Into a Bill
Your policy says surgery is paid in full, yet you still owe money. How the Usual, Customary and Reasonable (UCR) clause works and …
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Maternity Waiting Periods: The Six-Month Rule That Protects You
The waiting period runs to the date of delivery, not conception. On a 12-month waiting period, do not start trying until month six…
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Hong Kong vs Singapore: The Public Hospital Question Nobody Asks
In Hong Kong, expats with an HKID get heavily subsidised public healthcare capped at HK$10,000/yr. In Singapore, expats get zero s…
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Your Company's Health Insurance Isn't Yours. Here's What That Costs You Later.
Hold your own medical insurance, even while your employer covers you. Corporate group cover ends when the job ends — and leaves yo…
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The Big Four: Why Balance Sheet Matters When You're Buying Insurance for Thirty Years
Allianz, AXA, Bupa, Cigna. Over a 30-year horizon, who is still standing matters more than who was cheapest in year one. But solve…
Read more"Cancer Care Covered" Isn't Enough: The Outpatient Gap That Could Cost You Everything
Every international health plan says it covers cancer. Almost none of them are lying. And yet expats still end up paying for their…
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MSH International vs April International: Which Is Better for French Expats in 2026?
Two French groups dominate international health cover for francophone expatriates. Between them they represent well over €1 billio…
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Bupa Global vs Cigna Global: Which Is Better for Expats in 2026?
Bupa sells five bundled tiers. Cigna sells one core plan plus four optional modules. Compare them tier-name to tier-name and you g…
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