Group Private Medical Insurance


Group Private Medical Insurance really matters

Your company hires the best staff. Help ensure you retain your team with a comprehensive medical insurance benefit; a key component of any effective employee retention plan.

Optimise your cover vs. budget and simplify the process of getting the right cover in-force at the right price and at the right time. If you are looking at setting up a scheme for the first time, or renewing an existing scheme, we can help you review your needs and meet your deadline and budget.

We have successful professional relationships with a high quality panel of providers offering a range of solutions to meet our clients' needs; customisation where necessary ensures a tailored fit. Contact us today to discuss the health of your scheme!

  • We have people working full-time on finding group PMI solutions for our corporate clients
  • Our dedicated team has access to market leading plans at all budgets and can advise upon over twenty schemes from eight major providers.
  • From the start you will have a single named point of contact
  • Our collective ‘buying power’ ensures that our clients get the best cover at the best price.

Schemes can be customised to meet your exact needs. You can even have two schemes catering for two distinct groups of employees. For example the partners of a legal practice might require full International Private Medical Insurance (IPMI) and the firm’s local staff might require a a less comprehensive local solution. Whatever your situation we can create a custom solution. Key features of IMPI and Local schemes (including optional benefits) are as follows:

Local Schemes (Hong Kong only)

In-patient only

  • Access to network of private hospitals.
  • Variety of in-patient services.
  • Accident & Emergency.
  • Choose the level of cover provided.

In-patient & Out-patient

Provides all the same benefits as above with the additional benefits of,

  • Visits to your local GP.
  • Prescribed medicines.
  • Diagnostic tests.
  • Specialist referrals.

International Schemes

The key difference between local and International schemes is of course the fact that you're covered regardless of where in the world you or your staff may be at the time of requiring medical treatment.

In-patient only

  • Access to network of private hospitals.
  • Variety of in-patient services.
  • Accident & Emergency.
  • Choose the level of cover provided.

In-patient & Out-patient

  • Visits to your local GP.
  • Prescribed medicines.
  • Diagnostic tests.
  • Specialist referrals.

Repatriation cover

Covers the cost of being returned either home or to the nearest area that can provide the treatment required if that treatment cannot be provided locally.

NB - It’s possible to have in-patient cover as stand alone, however to benefit from the out-patient benefits you must also have the in-patient cover, this applies to both local and international schemes.

Options that can be added to your scheme (Local and International)

  • Maternity – Cover for all the associated costs of childbirth.

With this optional cover there is generally a “wait period” applied, this means that although you've selected the benefit there is a period of time after the policy starts before the cover is applicable, generally this will be some time between 9 and 12 months.

  • Dental – Routine dental work and Complex dental work

There will be a benefit limit applied per policy year.

  • Optical – Examinations, lenses and contact lenses.

It will however generally not cover the cost of frames. There will be a benefit limit applied per policy year.

We have extensive experience helping hedge funds, legal practices and other professionals meet their group private medical insurance needs. Contact us today to discuss the health of your scheme!

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Private Capital delivers tailored solutions for clients' investment, insurance and protection needs.

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