Public Hospitals in Hong Kong provides healthcare at virtually no cost to Hong Kong citizens, permanent residents and non permanent residents with valid visa and HKID card.
Currently public hospitals account for about 90% of hospital medical service and 29% outpatient medical service in HK.
It has been a well regarded fact that public hospitals in Hong Kong are often crowded with long wait times. For example, the average outpatient waiting time in private hospitals is 15 minutes compared to 4 hours at public hospitals.
Although private hospitals do provide shorter waiting times and more privacy, outpatient costs are significantly steeper than that of public hospitals which typically charge a flat rate of HKD $100 for outpatient consultation regardless of treatment. Below is a list of the 12 private hospitals in Hong Kong and their respective outpatient costs.
In addition to outpatient costs, below is a detailed breakdown of the respective costs of private rooms, semi-private rooms and wards of each private hospital in Hong Kong.
| Hospital Name | Private Room (HKD) | Semi-Private Room (HKD) | Ward (HKD) |
| Canossa Hospital | $3,800 | $2,600 – $2,800 | 4 Beds: $1,000 – $1,200 6 Beds: $900 – $1,100 8 Beds: $800 – $1,000 |
| Gleneagles Hospital HK | $3,600 | Single: $2,000 2 Beds: $1,450 | 2 Beds: $900 |
| Hong Kong Adventist Hospital – Stubbs Road | $3,200 – $3,300 | Single: $2,000 – $2,200 2 Beds :$2,000 | 3 Beds: $900 5 Beds: $750 |
| Hong Kong Sanatorium and Hospital | Type A: $5,800 – $6,700 Type B: $4,200 – $4,400 | Single: $2,500 – $3,500 | 3-6 Beds: $1,180 – $1,800 |
| Matilda International Hospital | $3,300 | 2 Beds: $1,695 | 3-6 Beds 900 |
| Hong Kong Baptist Hospital | $3,250 – $3,980 | Single: $2,100 2 Beds: $1,700 – $1,820 | 2 Beds: $1,180- $1,260 3-5 Beds: $920 – $9905 Beds: $800 – $8204-6 Beds: $860 7-9 Beds: $800 – $820 12 Beds: $800 – $820 |
| Evangel Hospital | $1,850 | Single: $1,400 2 Beds: $1,000 | 3-5 Beds: $680 – $830 |
| Precious Blood Hospital | $1,820 | $1,120 | 4-5 Beds: $750-$850 |
| St. Teresa’s Hospital | $1,900 – $3,900 | Single: $1,600 2 Beds: $850 – $1,030 | 3-4 Beds: $680 – $750 5-7 Beds: $600 – $680 8-11 Beds: $560 – $680 |
| Hong Kong Adventist Hospital – Tsuen Wan | $2,500 – $3,500 | 2 Bed : $1,100 3 Beds: $950 | 5 Beds: $550 |
In order to deal with the perceived high costs of private hospital services, the Hong Kong government in April 2019 introduced the Voluntary Health Insurance Scheme (VHIS), a government endorsed scheme to regulate indemnity hospital insurance plans offered to individuals by registered VHIS providers across Hong Kong.
The overall goals of VHIS as stated by the Food and Health Bureau is to enhance protection level of hospital products, provide public with an additional choice of using private healthcare services through hospital insurance and to relieve the pressure on the public healthcare system in the long run.
Many HK residents may prefer VHIS over ordinary medical insurance for several reasons. Firstly, one unique feature about VHIS is that policyholders are entitled to tax deductions of up to $8000 per insured person each year.
In addition, unlike other forms of health insurance, VHIS includes outpatient CT/MRI/PET scans that can be critical for detection of certain diseases.
Furthermore, premium details of VHIS products are all fully displayed online, ensuring that details of products are transparent as possible.
Bowtie is Hong Kong’s first authorised virtual insurer that offers commission free Voluntary Health Insurance Scheme (VHIS) Plans. The Bowtie VHIS Standard Plan allows for an annual limit of up to $420,000 that covers hospitalization expenses, surgery and doctor’s fee.
With a monthly premium from only $100, individuals can get insured in as fast as 10 minutes under Bowtie’s proprietary underwriting engine all on Bowtie’s web platform. By having a commission free structure, Bowtie premium rates are significantly lower than many other providers in the market. For example, Bowtie VHIS Standard premium rates are the lowest among all providers for both males and females aged 0 to 75.*
Author
The Bowtie Life Insurance Company Limited is an authorized life insurance company and Hong Kong’s very first virtual insurer approved. Through the use of modern technology and medical expertise, Bowtie offers an agent-free, commission-free and more convenient online platform for customers to quote, apply and claim for Voluntary Health Insurance Scheme (VHIS) anytime anywhere. Bowtie is ranked first in the direct channel sales throughout 2021.
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