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Health Insurance and Benefits: Outpatient

Outpatient benefits is a key area of any health insurance plan as it is the most frequently used benefit of any policy.  In its simplest form, outpatient health insurance benefits provide you with the ability to visit your GP for you general health care needs whether it be for the diagnosis and treatment of acute illnesses such as the flu or a bad back or for the ongoing treatment of some chronic conditions.

The NowCompare health insurance glossary defines outpatient treatment as "treatment provided in the practice or surgery of a medical practitioner, therapist or specialist that does not require the patient to be admitted to hospital"

Like inpatient hospital cover, this benefit will differ between the health insurance companies and between international health insurance and local Hong Kong Health Insurance with the key differences being in how the plan is structured and what limits of cover are in place.

As a general rule of thumb, health insurance benefits with outpatient cover will include:

Physicians and specialists consultations

Prescribed Medicines

Physiotherapy and chiropractic treatment

Imaging and lab tests

Chronic conditions

Traditiional chines medicine or alternatives medicines.