Having a Baby in Hong Kong: Pregnancy Costs and Options
The cost of having a child in Hong Kong varies greatly from one hospital to another. While giving birth in the public sector is extremely affordable and can be paid with your Octopus, private sector medical fees are amongst the most expensive in the world. Plus, costs vary tremendously depending on the obstetrician, hospital and room type.
To help you budget and protect yourself financially, the AD MediLink team has prepared a practical guide to Hong Kong’s medical pregnancy costs.
Costs of antenatal & postnatal care
(1) Public sector
Hong Kong’s Department of Health offers special care for mother-to-be and mothers thanks to the Maternal and Child Health Centres (MCHC). Those centers can be found all over the city within your Cluster. Click here to find the nearest one.
All eligible women (owners of a valid HKID) are allowed to access the services of a MCHC. The centres provide prenatal and postnatal care for free.
(2) Private sector
In Hong Kong, private sector fees are not regulated. Therefore antenatal and postnatal costs vary greatly according to the location and provider. According to AD MediLink’s research, prenatal care that is provided by obstetricians ranges between HK$30,000 and HK$60,000 on average, and is very likely to increase if you are having a high-risk pregnancy and require more follow-ups.
➜ EXPERT TIP: Depending on where you are going for your pre/post-natal care, it might be possible to lower the costs by sharing the visits between a private midwife and a private OBGYN. Some providers in Hong Kong have designed packages specifically for this.
Costs of childbirth in Hong Kong
There are three types of fees and charges within public sector.
○ Eligible persons (HK residents with valid HKID):
○ Inpatient fees: HK$120 / day
○ Estimated inpatient fees for a 3 days & 2 nights stay: $360 (room fee) + $75 (admin fee). It is even possible to pay with your Octopus card. These charges cincludes all eventualities whether you have a medication-free birth or a c-section under anesthesia.
○ HK$39,000 (with booking) includes: one antenatal checkup; delivery / delivery care service; and 3 days (2 nights) hospitalization in a public general ward related to the delivery / delivery care service.
○ HK$90,000 (no booking) includes: delivery / delivery care service; and 3 days (2 nights) of hospitalization in a public general ward related to the delivery / delivery care service.
○ A private route exists within the public sector. Every public hospital has private rooms available, but there are only a few. This means that you may not be able to have access to a private room when the delivery time comes. Private room costs within HA hospitals vary from one hospital to another and are similar to private sector hospitals.
(2) Private sector
The costs of giving birth in the private sector depend on various factors: your obstetrician’s fees, the anesthetist’s fees, vaginal or caesarean birth (emergency or elective), the pediatrician’s fees, and medications. Plus, all of these fees are correlated to your room type. In other words, the more expensive the room, the more expensive all other fees.
All the private hospitals in Hong Kong that offer obstetric care, have maternity packages which generally include room fees, routine prenatal observation, nursing care and newborn immediate care. It is very important to note that these fees do not include the doctors fees and that you must add them yourself to assess totals costs (i.e. obstetrician, anesthetist and pediatrician fees).
When choosing to go private, it is extremely important to anticipate and make sure you have maternity insurance. Otherwise, you may have to pay large sums out-of-pocket.
In Hong Kong, a normal childbirth in a private hospital is around HK$100,000 for semi private room and can easily go up to HK$250,000 for an emergency C-section.
➜ EXPERT TIP:Individual maternity insurance cover have a waiting period during which you cannot claim any maternity-related expenses. These waiting periods are 10 to 12 months on average. Make sure you ask your insurance advisor about the exact pregnancy waiting period and how it applied to your benefits.
To know more about maternity insurance, click here.
MATERNITY PACKAGES WITHIN PRIVATE HOSPITALS
Cost variation is linked to the type of room chosen: private room, semi-private room and ward.
➜ EXPERT TIP:Hospital packages exclude doctor fees. Plus, doctor fees in private sector are correlated to your room type. In other words, the more expensive the room, the more expensive the doctor.
|Private hospitals||Vaginal birth|
3-days – 2-nights
|Planned C-section birth|
5days – 4nights
|$20,600 – $64,900||$28,400 – $99,700||$30,000 – $150,200||$7,100 – $8,400|
|$39,800 – $87,800||$45,800 – $107,300||$51,600 – $128,100||$6,800|
|$19,000 – $40,800||$25,800 – $57,500||$31,800 – $71,800||$7,300|
|$22,800 – $41,000||$29,000 – $57,600||$27,360 – |
|$22,300 – $38,600||$28,800 – $55,200||$29,3000 – $50,600||$7,000 – $12,000|
|$21,500 – $38,500||$29,500 – $79,000||$35,600 – $66,600||$7,300|
|$18,000 – $35,000||$31,800 – $97,800||$24,000 – $46,000||$7,000|
|St Teresa’s Hospital||$21,800 – $50,800||$23,800 – $54,800||$27,100 – $58,100|
+ extra $3,000 if performed
between 10:01pm and 7:29am
|Union Hospital||$22,000 – $38,000||$25,500 – $44,800||$33,100 – $58,200||$6,000 (First 5 h)|
($600/h if over 5h)
$10,500 (First 5h)
($1,050/h if over 5h)
* Last updated on August 2019. All amounts are in HKD. No responsibility is accepted for any inaccuracies, errors, or omissions. It is always best to call ahead to make sure the information is still up-to-date.
The costs here excludes: doctors’ fees (obstetrician, paediatrician, anaesthesiologist) medicines and laboratory tests costs
The “half-half ” route or “shared-care” route
This is the best strategy in Hong Kong to lower your pregnancy medical costs.
Here is how the shared-care route works: women access prenatal services in the private sector but give birth in a public hospital. This combination gives you the security of personalized medical care during your pregnancy with the cost savings of giving birth in a public hospital.
What’s the catch? Unfortunately, epidurals are not as available in public hospitals as they are in privates ones. You can learn more about epidurals from our partner Healthy Matters.
Looking for health insurance with expert advice? Contact AD MediLink now at firstname.lastname@example.org or +852 2606 2668 to receive a free quote. Advisors uniquely trained on the Hong Kong healthcare system will be in touch to answer all your enquiries concerning both the public and private sectors.
This article was independently written by AD MediLink and is not sponsored. It is informative only and not intended to be a substitute for professional advice and should never be relied upon for specific advice.