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

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      Medical
      CONCIERGE

      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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      eBooking 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

      For Insurance Companies

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      As healthcare costs grow every year, the medical insurance industry is increasingly faced with the issue of cost control. Arbitrary pricing by doctors and hospitals and unjustifiable referral for examination and treatment are frequent occurrences in the healthcare industry. As such, the risk borne by insurance companies makes their business model increasingly difficult to sustain.

      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

      HMGs’ 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 by providing detailed analytics on pricing down to the hospital item level.

      Distribution Strategy

      Distribution Strategy

      Remove the burden involved in handling client medical claims, tedious underwriting examinations and billing arrangements. HMG provides a comprehensive one stop medical concierge service providing support to the client from beginning to end.

      Cost & Behavior Management

      Cost & Behavior Management

      Hospitals and clinics often provide an estimate of medical treatment expenses. Using this estimate and digital tools developed by HMG, we can calculate claim cost based on the client’s insurance product or plan, which can be used to facilitate pre-approval decisions. Once approved, eligible medical expenses during the client’s hospital stay or day case surgery will be settled by HMG on their behalf.

      Leverage HMG Provider Network to avoid over-priced medical treatment. In 2024, calculating savings in first 6 months of day-case endoscopy was over 9m.

      Product Strategy & Design

      Product Strategy & Design

      Based on the selected market segment, HMG can develop product strategy and design products that provide customers with appropriate benefits with reasonable coverage amount.

      Underwriting Support E-Platform

      Underwriting Support E-Platform

      HMG provides out of the box arrangements with pre-selected providers that satisfy the required underwriting for distributors to choose based on the client’s preference. This lessens the need for interpretation of the underwriting requirements and helps the distributor avoid the tedious process of booking an appointment.

      Additionally, this eliminates insurance resources in checking and reconciliating invoices from multiple labs and providers. Our platform allows for flexible payment plans such as 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 doctors and hospital management would always prefer the provision of value-for-money professional services to a wider community, made affordable to insured consumers through their insurance scheme. Through joining the medical network of HMG, they will have an enlarged customer base through continuous referral of customers with healthcare insurance funding support.