Our Services

For insured customers

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For insurance companies

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    For medical providers

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      For Insured Customers

      Through the launch of the first-ever Medical Concierge Service, HMG has become a trustworthy advisor to medical insurance customers, providing them with timely and high-quality medical referrals, modern e-booking platform, as well as assistance in insurance claims. HMG will continue to engage more medical insurance companies to make use of the Medical Concierge Services for the benefit of their customers.

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      Doctor referral & booking

      HMG will help you book appointments for specialist consultation, doctor referral and assist in scheduling day case surgeries at one of our trusted network medical providers.

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      Medical advice / Second medical opinion

      If a client is diagnosed with an illness, they may request HMG to help refer another HMG network doctor for a second opinion.

      HMG has partnered with three major private hospitals in Hong Kong for high quality second medical consultations.

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      China VIP medical navigation service

      In addition to providing doctor referral and hospitalization booking assistance in Mainland China, HMG also provides accompanying and navigation service to network VIP hospitals to ensure a clients have a seamless and comfortable healthcare experience.

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      Local urgent care

      HMG will provide assisted transfer for a client from a government hospital to a private hospital* by ambulance. Our ambulances are operated by licensed private ambulance service provider in Hong Kong.

      *Subject to health condition and permission from attending doctor

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      Cashless arrangement services

      HMG offers all-inclusive day surgery packages for Endoscopy, Cataract Surgery & Wart Removal at certified HMG network day surgery centers. HMG’s pre-arranged package price enables our clients to enjoy zero payment service during the day of surgery.

      Additionally, HMG also offers cashless service for inpatient hospitalization at designated hospitals.

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      E-booking platform

      HMG offers a modern and intuitive e-booking platform for clients or their insurance agents to book HMG services as well as view important updates to their services. The e-booking platform includes features such as uploading claims documents, viewing available doctors in different locations and sorting available doctors by specialty.

      Individuals may also view past and current bookings and make changes such as changing doctor or changing appointment time. HMG’s e-booking platform can also be integrated directly into the insurance company’s digital systems, allowing for perfect and seamless user experience.

      Enter Our e-Shop

      HMG e-Shop

      For Insurance Companies

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      For insurance companies, while medical insurance poses huge potentials, the possibility of arbitrary charging by doctors and hospitals and unjustifiable referrable for examination and treatment have always made their risk-taking insurance scheme difficult to be sustainable.

      HMG’s Medical Concierge Services, apart from facilitating the insured in getting appropriate medical support, helps manage insurance claims, ensuring that they are reasonable and justifiable. HMG also provides quality advice on product strategy and design, distribution strategy, underwriting support e-platform, and cost and behavior management.

      OCR Tech Hospital Bill Management

      OCR Tech Hospital Bill Management

      HMG's Hospital Bill Management System (HBMS) utilizes Optical Character Recognition (OCR) technology to automate the tedious process of categorizing hospital bill items into their respective benefit categories. When compared to traditional methods, HMG's HBMS drastically reduces the time required for insurance claim staff to process claim requests, improving the customer experience for your clients.

      Currently, HBMS is capable of processing hospital bills from 13 private hospitals in Hong Kong. HBMS also provides valuable insights to insurance companies through detailed analytics on pricing, even down to the individual hospital item level

      Distribution Strategy

      Distribution Strategy

      HMG streamlines the healthcare experience by removing the common burdens of medical claims handling, extensive underwriting examinations, and complicated billing arrangements. Our comprehensive, one-stop medical concierge service offers end-to-end support, ensuring a seamless and worry-free journey for every client.

      Cost & Behavior Management

      Cost & Behavior Management

      HMG empowers proactive cost management through our sophisticated digital tools. Leveraging initial medical treatment estimates from hospitals and clinics, we precisely calculate potential claim costs based on your client's specific insurance product or plan. This critical information facilitates swift pre-approval decisions, ensuring a smooth process. Once approved, HMG directly settles eligible medical expenses incurred during the client's hosital stay or day-case surgery, removing their financial burden.

      By guiding clients to our extensive HMG Provider Network, we actively help them avoid over-priced medical treatments. This strategic approach consistently delivers significant savings, evidenced by over 9 million in calculated savings in just the first six months of 2024 for day-case endoscopy procedures alone.

      Product Strategy & Design

      Product Strategy & Design

      At HMG, we specialize in crafting targeted and effective product strategies tailored to the unique dynamics of each selected market segment. Leveraging our deep industry knowledge and comprehensive market insights, we meticulously design healthcare products that deliver precisely the right balance of appropriate benefits and optimal coverage amounts.

      Our approach ensures that these products are not only highly relevant and appealing to the target customer base but also actuarially sound and commercially viable for our partners. We empower clients to launch innovative and competitive offerings that truly meet consumer needs while ensuring sustainable profitability.

      Underwriting Support E-Platform

      Underwriting Support E-Platform

      HMG offers ready-to-use arrangements with pre-selected providers that meet specific underwriting requirements. This allows distributors to effortlessly choose options based on client preference, significantly reducing the need for complex interpretation of underwriting criteria.

      It also frees distributors from the time-consuming process of booking appointments. Furthermore, our platform eliminates the need for insurers to dedicate resources to checking and reconciling invoices from numerous labs and providers. We also support flexible payment plans, including full company-paid or partially-paid underwriting cases.

      Links to Company e-Booking Platform

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      For Medical Providers

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      Join Our Medical Network

      Medical professionals and hospital management are consistently striving to provide value-for-money, high-quality services to a broader community, making them accessible to insured consumers through their health plans. By joining HMG's extensive medical network, providers gain access to an enlarged customer base through continuous referrals of patients with robust healthcare insurance funding.

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      Expanding our global reach

      HMG currenly boasts a network of over 2,000 medical service providers spanning Hong Kong, Mainland China, Taiwan, Japan, and the United States. Looking ahead, our ambitious goal is to establish a virtual hospital by 2029. This innovative platform will connect insured customers with high-quality, multi-disciplinary medical professionals worldwide, ensuring they receive timely, expert, and professional healthcare services at a reasonable price, fully supported by their medical insurance.