Health insurance with the best maternity plan in HK?

hi capergirl,

i also got a quote from prime pacific. since i'm a us citizen i'm looking at plans that include us cover. it's around 3000usd for 1.5 months of US cover per year and 6,800usd for 3 months US cover at a time.

i think i'm going to go with dkv as well. will let you know how it goes!
 
hkexpat2010,

I signed with DKV in March. They have FULL maternity coverage (with the exception of an elective cesarean) and only an 8 month waiting period! They have full dental coverage as well.

We checked out a few companies and this one was by far the best for us. It is about $2,500 USD for the year but when you consider the high cost to go private, this is very reasonable. I have already made 2 claims (pap test and chicken pox vaccination) and I received full reimbursement within 3 weeks.

My husband and I are going to start trying this summer. If we do get pregnant then we will have to pay for the first few appointments but after the waiting period (Nov.) everything will be covered.

Hi hkexpat2010,

Sorry - but am new to all this.
For someone who will be trying to get pregnant and considering Marternity Cover for the first time, what do you mean by "the waiting period"?

Am looking to go semi-public/private. Can't afford fully private and happy enough to have delivery in public but want insurance in case of any complications before, during and after birth of childbirth
 
Most insurance companies have a 'waiting period' for maternity cover so that you can't find out you're pregnant, sign up for cover and then charge all the costs to the company. DKV has the shortest waiting period of 8 months, most are around a year. That means that you sign up for them and you have to wait for 8 months to elapse before you can make any maternity related claims.

For example if you found yourself pregnant in the 5th month of the 8 month waiting period you would not be able to claim for your appointments, scans, drugs, tests etc in the first 3 months of your pregnancy but after the 8 months have elapsed you can claim for everything from that date forward.

That's how it works with DKV anyway, I asked lots of questions before I signed up with them.

Another good question to ask when you're researching insurance is to ask if they treat "successful" and "non-successful" (sorry, that's the term they seem to use) pregnancies differently, some have a much lower limit for the "non-successful" pregnancies but on occasion a miscarriage would require expensive medical intervention and horrible to find out you aren't fully covered if the worst happens. I think DKV treats both the same (which is how it should be).

Also, ask what coverage the baby gets immediately after birth and how soon they need to be insured under their own policy - important if they are born with a condition requiring treatment. What their policy is for twins and multiple births? Is their limit per pregnancy or per year (important if you have two very close together ;-), and if they have a separate limit for complications e.g. emergency c-section.

Good luck with your research!
 
Last edited:
StareBear,
please check PM.


I am with DKV and my only out of pocket expense for my entire pregnancy including private room at Matilda was $250 for my meal which I ordered while I was in labour. Still don't really understand why I had to pay for that but am not complaining! Since then all my baby's expenses including vaccines have been reimbursed. For things like physio they need referrals and if you have treatment for a long time they may ask for the referral to be refreshed. The only expense I have not received full reimbursement on is dental. My insurance plan is arranged by my employer though so am not sure if this coverage is generally available or what the cost is though (can only imagine it is expensive).
 
fyi- i signed up with DKV (7000 USD for US cover and $0 deductible for 33 year old), but haven't submitted any claims yet. will post if i run into any problems!

thanks again for the great responses here!
 
WRT to DKV, have to say I've found their customer service pretty shocking. We've had a couple of issues of them wanting supplementary paperwork in relation to claims but not being very clear what they want and why and also with them losing a claim. They have been generally pretty slow in processing any but the most absolute straightforward vaccination claims, they say they process within 14 days (I think) but in reality they wait 14 days then come back with a query! I guess I expected a lot service wise as I went with the top cover and in that they haven't delivered :-(

On the upside they have eventually paid out all the claims and it is good cover, their losing claims and sending out extra forms seems to be more about administrative incompetence rather than any desire to get out of paying, it's just not what you need when you're having an unexpected health issue and thought you had paid for peace of mind!

I still think it's good cover but if something unexpected comes up do be prepared for there to be a bit of back and forth with the paperwork .Not pg at the moment so haven't tested out their maternity benefits :-)
 
also, can anyone recommend their husband's insurance company/plan? we need to get cover for my husband now, but DKV seems expensive.

jvn- thanks for the update on DKV! good luck with getting pg. we're still in the questioning/hemming and hawing stages still, but think we'll get there soon...
 
FYI- I'm also having problems with DKV. It's a little complicated, but they charged my credit card over 1,000 USD and additionally overcharged me for my monthly payment. They said they'd refund the $1000+ within days as it was their mistake, but it's been a couple of weeks and it's still not back on my card. Now I'm waiting to find out why they overcharged me for my monthly payment, too. Frustrating!

Dreading submitting claims with them....
 
It seems like DKV now have a cap for maternity benefits, it's only up to $9100 USD. Previous posters mentioned that they have unlimited benefits, so just wondering is the cap just recently implemented or is there a more premium plan that has unlimited coverage?
 

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