With Pacific Prime, family insurance plans are cost-effective and customisable to suit your every need.
Health insurance can sometimes seem like a huge chore to try to figure out: the T&Cs, the cost, the paperwork. And that’s on top of everything else that we need to sort out when shifting out our whole family to a new, unknown country. But at the end of the day, nothing is more important to parents than the health of our families. So, that’s why Pacific Prime tries to simplify insurance for its clients. Pacific Prime Hong Kong is an award-winning health insurance intermediary that specialises in helping expats worldwide obtain the best health coverage for their specific needs.
No two families are the same, so why should we expect the same cookie-cutter set packages dealt out to every fam? No, our needs vary so much that it makes sense to have a package that is customisable to fit each family’s needs. With Pacific Prime, you can get exactly what you need and want. Families can customise all elements of their plan down to the smallest detail. So that’s everything from the plan benefits (what you’re covered for), benefit limits (how much you will be insured annually/per visit), area of coverage (locally in Hong Kong, or worldwide), and much, much more.
Cost can also be another factor of why we avoid thinking about insurance. On top of everything else we have to shell out, another pricey package for the whole family can make us stop and take some seriously deep breaths. But in actual fact, a family insurance plan can be more cost-effective than buying individual coverage. The benefit of a family health insurance plan is that the premiums are calculated based on the ages of all family members covered under the policy.
And one of the most stressful factors of purchasing insurance is worrying about pre-existing conditions. It’s a concern that many of us have – what if our premium suddenly spikes up? The good news is that family insurance plans can often offer cover for pre-existing conditions. So, if your baby was born with medical complications or you’re planning to get pregnant, plans that cover pre-existing conditions can provide huge peace of mind. But do keep in mind that pre-existing-condition cover may come with a waiting period, or higher costs known as “loadings”, so make sure to do your research.
We get it – sorting out insurance cover seems like a daunting task, but there’s nothing like the piece of mind parents have, knowing that costs are covered in the event of an injury, an illness, a check-up or just a trip to the dentist. That piece of mind is invaluable.
Pacific Prime Hong Kong, Units 5-11, 35th Floor, One Hung To Road, Kwun Tong, Hong Kong, 3589 0531, www.pacificprime.hk
Brought to you in partnership with Pacific Prime.