MyHEALTH Hong Kong

MyHEALTH, your international health insurance

Get the flexibility to cover what really matters for your family and yourself with MyHEALTH Hong Kong.

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Why choose 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.

Have any questions? Need information?

+852 3106 3856

Monday to Friday, 9 am to 5 pm
(Hong Kong time)

Local phone charges may apply

We make access to quality healthcare easy for you

  • Hong Kong-based, multilingual customer support
  • 24/7, unlimited TeleHEALTH and Second Medical Opinion services
  • Cashless access to hospital worldwide and to 4,500 medical facilities in Asia
  • Worldwide travel and medical assistance
  • 100% digital claims submission

Mix and match modules to build your ideal coverage

All monetary sums are in USD





Hospital and Surgery
Annual limit per person per period of insurance
- Private room option for Extensive and Elite plans
- Emergency dental treatment
- Diagnostic scans and tests
5 levels of deductibles available: $0, $1,500, $3,000, $5,000, $10,000




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

Reduce your premium by choosing your level of reimbursement

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.

  • Outside Panel
    • USD 400.00
    • USD 1,600.00
  • Within Panel
    • USD 0.00
    • USD 2,000.00
  • Out-of-pocket expenses
  • Covered by APRIL

Why choose APRIL International

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.

Everything you need to know about MyHEALTH Hong Kong

How do I create my plan?

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.

Where am I covered with MyHEALTH Hong Kong?

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.

Can I use MyHEALTH Hong Kong as a top-up?

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.

Which underwriting methods are available?

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.

What our customers say
4.5 / 5