Expatriate insurance in Hong Kong
Hong Kong is a cosmopolitan metropolis par excellence, with a population of around 7.5 million. Many expatriate communities have settled here. We've put together some advice to help you prepare for your move to Hong Kong and make the most of your stay.
Expatriate insurance Hong Kong Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Hong Kong.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate Insurance Hong Kong Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Hong Kong Gold Expat Safe
Health insurance that provides effective cover against accident and illness.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate insurance Hong Kong Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Hong Kong.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need advice?
Safety in Hong Kong
The risk of typhoons (strong winds) is the most widespread in Hong Kong. Depending on the alert level (T1 to T10), you are advised to stay at home. For the highest alert levelsIt is also advisable to caulk openings exposed to the wind. Hong Kong’s warning and rescue system is very efficient. Damage is therefore limited and generally material.
Hong Kong has a low crime rate. Nevertheless, there has been an increase in the number of flights close to the airport and hotels. Credit card fraud is also quite common. So be particularly careful when entering your bank code, and don’t leave your card unattended.
Accommodation in Hong Kong
Choosing your home
Hong Kong is divided into 18 districts, with industrial and residential areas. Victoria Peak is the most expensive district. This is where you’ll find the most luxurious residences, luxury boutiques and gourmet restaurants. The Central District is home to the government offices and services most appreciated by expatriates. SoHo and Lan Kwai Fong are home to a large number of clubs, bars and restaurants, making them very lively districts at night. Mid Levels is known for its new, modern accommodation. Aberdeen, Admiralty, Stanley and Tsim Sha Tsui are also residential areas.
You’ll find all types of accommodation in Hong Kong. The ”
serviced apartment
“are more expensive than the average apartment, as they come furnished. Condominiums
condominiums
“They also have high rents, but offer additional services such as gyms and swimming pools.
Housing costs
Hong Kong is the city with the most expensive rents in the world, according to a 2018 study by UBS N.O. Bank. On average, apartment prices range from HKD5,000 to HKD15,000/month (€563 to €1,700), depending on size and location. To rent a house, you’ll need to budget around HKD 200,000/month (€22,506). Prices are usually quoted by the month. They do not necessarily include management fees and taxes.
Charges are added to the rent. Water, electricity and heating generally cost HKD2,000 (€225). The government rate of 5% of the rent is payable quarterly. Depending on the standard of your property, maintenance or janitor fees may also apply.
Find and sign your contract
If you rent your home for less than 3 years, you will sign a contract. If it is longer than 3 years, it becomes a lease. Include an inventory of fixtures in the signed documents. Don’t forget to negotiate and write down your departure conditions, as notice periods are generally between 1 and 3 months. The tax stamp required for recognition of the document will cost between 0.25% and 0.5% of the annual rent.
Social networks are generally the best way to find accommodation. Take a look at the expat groups in Hong Kong. If you can’t find what you’re looking for, turn to the web and real estate agencies.
Schooling in Hong Kong
The country’s official language is Chinese (mostly Cantonese, then Mandarin). Classes are therefore held in this language. English is also widely spoken and taught at school.
In Hong Kong, schooling is compulsory for 9 years, from ages 6 to 15. Children are generally enrolled in kindergarten and learn to write at an early age, so that they can later enter the most prestigious schools. At the end of primary school, they enter junior secondary and senior secondary education for 3 years each. They then take the BKDEE, equivalent to the Bac in France.
Hong Kong’s education system is renowned for its excellence and competitiveness. The pressure to succeed is very high for Hong Kong students. The teachers give a lot of homework. Students therefore spend an average of 2-3 hours a day working at home after class.
The Lycée Français International de Hong-Kong N.O. offers the French curriculum from kindergarten to high school. Depending on the formula chosen, this teaching can be in French or bilingual. Annual tuition fees range from HDK 104,270 to HDK 163,665 (€11,735 to €18,420) depending on the year of study and language of instruction.
Many French and international nursery schools cater for young children. There are also international high schools and colleges.
