Allianz Prestige Health

Allianz Prestige Health is the only plan on this list to include dental coverage alongside unlimited inpatient care. Outpatient benefits are HK$6,500 per year, with an annual premium of just HK$12,000—20% cheaper than #1 BUPA Gold Health Plan. This multi-benefit approach delivers an estimated 30% more value than the average Hong Kong plan, as dental add-ons typically cost HK$2,000–3,000 separately. Verified April 2026 from Allianz’s website, the plan is ideal for expats seeking comprehensive coverage without a premium price.