Why you should know your health insurance better

Insurance companies often have different, specific policies. Most of the time, they should provide comprehensive outpatient services coverage, to help you dealing with the significant private medical expenses in Hong Kong.

The most common issue we have to deal with at the clinic is when patients forget to see their general practitioner before coming to see us. Many insurance companies require you to get an approved referral letter from a doctor, before you start your physiotherapy, chiropractic or osteopathic sessions. Without the letter, your sessions with us might not be reimbursed by your insurance company.

Even though some policies do not require you to see a doctor first for specialist consultations like chiropractic, or osteopathy, always try to clarify exactly what your insurance requires. 

There are so many different policies on the market, we cannot always know beforehand what each company requires. And with the virus outbreak, these said policies might change. Your premium may increase, while your overall coverage might be reduced. You may have less approved sessions per referral letter, or the amount of money per session getting reimbursed gets lowered. 

To sum it up, and for the best experience at Hong Kong Sports Clinic, be sure to check if you need a referral letter from a GP before coming to the clinic, how many sessions per year you are eligible for, and what amount per session you will get back from your insurance.

Do not hesitate to call us if you have any question, we will try to help you the best we can.

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