Kwiksure Discusses Advantages of Private Health Insurance Benefits During Possible Flu Outbreak

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Kwiksure provides information about the recent cases of new flu virus in China and discusses the benefits of a private health insurance plan during a possible flu outbreak.


Last month, a new strain of flu virus, H7N9, was reported in China. Since then, 60 individuals have been diagnosed and 13 deaths have been reported in the region. Hong Kong experienced its own scare when a seven year old fell ill after coming back from Shanghai, however, the child tested negative for the illness.

Kwiksure clients may, understandably, be worried after hearing such reports but most comprehensive health insurance policies can provide much relief during a time such as this.

The World Health Organization has reported that the virus is yet to show any evidence that it can be passed on from human to human but there is still a chance that it could mutate to be able to spread in this manner. Furthermore, a discovery made by the WHO Chinese National Influenza Center, revealed that there was a gene present in data human samples that could not be found in avian strains, indicating that the virus has already adapted to be able to survive in humans.

While vaccines are still being developed for this particular strain of virus, other already available antivirals have found to be effective for now. However, due to the mutating nature of viruses, it cannot be certain as to how long these can be made use of. Most comprehensive medical insurance policies will offer outpatient benefits, allowing policyholders access to expensive antivirals such as Tamiflu, which can be priced as much as HK$1000 per box.

Irrespective of the possible outbreak, the unpredictable hot and chilly weather Hong Kong experiences at this time of year contributes to numerous individuals falling sick with common colds and flu and seeking treatment at hospitals as soon as there is any sign of a fever. Public facilities are already reaching full capacity and for those seeking treatment for unrelated illnesses or accidents, long waiting periods and increased chances of catching the flu or other diseases are present. With private health insurance, it is possible to bypass the queues and risks of public facilities and receive treatment more efficiently, albeit at a greater cost.

Regardless of owning an insurance plan or not, people are advised to increase their personal hygiene standards, and strictly reduce contact with live poultry, birds or their droppings.

About Kwiksure

Kwiksure has been providing the local community with general insurance for over the last 10 years in Hong Kong. Major products include car insurance and health insurance.

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Sergio Ulloa
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