Group Medical Insurance
Attract and retain talent with a group medical plan tailored to your team — inpatient, outpatient, dental, maternity and wellness, structured around your budget.
- Compare 10+ HK insurers
- Tiered benefits by job grade
- Renewal negotiation & remarketing
- End-to-end claims support
Group medical, sized for every team
From 3-person startups to thousand-strong corporates — we structure benefits, networks and contribution splits that work for your team and your budget.
Standard cover, plus the extras that matter to your team
Most group plans bundle inpatient, outpatient and worldwide evacuation. Add dental, maternity, optical, mental-health and wellness benefits to differentiate your offer.
Standard benefits
Inpatient / hospitalisation
Core benefit in every plan. Covers surgery, room & board, ICU, anaesthetist, surgeon and other costs while admitted in a private or semi-private ward.
Outpatient / GP & specialist
Doctor consultations, prescribed medication, diagnostic tests, vaccinations and alternative treatments such as Chinese medicine and physiotherapy.
Worldwide evacuation
Emergency medical transportation and repatriation when local facilities cannot provide the required urgent care overseas.
Additional benefits
Dental
Scaling & polishing, oral examinations, fillings, X-rays and simple extractions. 6–12 month waiting period may apply.
Mental health & wellness
Psychiatrist and psychologist consultations, plus wellness programmes, EAP and virtual self-help tools from selected insurers.
Annual health checkup
From basic blood panels to executive checkups. Sub-limits and benefit schedules differ across insurers.
The hard parts of running employee health benefits — solved
Too many plans, hard to compare
Thousands of plan combinations across 10+ insurers. We benchmark on coverage, limits, network and price so you don't have to.
Balancing cost and coverage
Caught between management's budget and staff's expectations. We design tiered structures so executives, managers and general staff each get suitable cover.
Premium hikes at every renewal
Insurers reprice using loss ratio and medical inflation. We negotiate at renewal and remarket every 2–3 years to keep premium under control.
Slow or messy claims
Our team handles claim paperwork, follows up with insurers and escalates disputed claims — so HR isn't stuck between staff and the insurer.
From first quote to long-term renewal partner
Assess
Review headcount, demographics, claim history and the benefits HR wants to offer.
Pitch & compare
We approach 10+ insurers, request quotes, and present a side-by-side benefit and premium comparison.
Apply & onboard
Application, employee enrolment, medical cards, app set-up and staff briefing sessions.
Manage & renew
Mid-year claim reviews, loss-ratio reporting, additions / deletions, and remarketing at renewal.
Information we need to quote your group medical plan
Send us the items below and we'll come back with a comparison from 10+ HK insurers — usually within 2–3 working days.
- Nature of business / industry
- Total headcount, with age & gender breakdown
- Dependants? (spouse / children)
- Current schedule of benefits (if any)
- Last 2–3 years' premium and claim history
- Benefits wanted: inpatient, outpatient, dental, maternity, optical…
- Budget per employee per year (optional)
An independent broker on your team's side
We compare 10+ HK insurers and recommend by fit, not commission.
Annual claim analysis and remarketing strategy to keep premium increases under control.
Real humans on WhatsApp — paperwork, pre-authorisation and dispute escalation handled for you.
We negotiate with insurers to waive GP referral letter requirements for specialist consultations, so employees claim faster with less paperwork.
We assess each benefit's usage ratio and loss ratio, then recommend exactly which benefits to adjust, add or remove — so you optimise coverage and costs every year.
From 3-person startups to listed corporates — wording and structure tailored to your stage.
Already insured? Why get an alternative quote from us
Renewing on auto-pilot is the easiest way to overpay or stay under-covered. A 5-minute alternative quote gives you three concrete wins.
Review your existing policy
We read your current schedule and flag warranties, sums insured or exclusions that no longer fit your operations — before they hurt a claim.
Reset to a clean-claim rate
Quotes typically only consider the last 3 years of claims history. If a past incident is older than that, you're effectively a clean risk — and that often unlocks a lower premium.
Get a commercial-line specialist
If your current agent mainly handles life or personal insurance, EC and commercial claims can fall outside their day-to-day. A commercial specialist follows up your claim end-to-end.
Group medical — answered
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Ready to upgrade your employee health benefits?
Tell us about your team on WhatsApp — we'll come back with a tailored group medical comparison.