I note youre thinking of having children. I'd recommend the Allianz Healthcare plan which has full maternity benefits. Theres a 10 month lead in but if you plan ahead you can get full private care at the hospital of your choice, and there are a few to choose from
Our experience was full specialist care throughout the entire pregnancy including multiple 3D scans and weekly checkups in the last 5 weeks. The Maltilda hospital was nothing short of brilliant with full maternity delivery care provate rooms including beds in the same room for the father to stay in. The specialist was on hand throughout the last 3-4 hours
Midwifes also were extremely good, with our one staying with us through the entire process
For the cost of insurance vs actual billed was a huge difference and we felt worth the money - Less than GBP1000/year for everything. PM me if you want the Insurance agent we used
Re Citizenship As above, we both have british citizenship with Work sponsorship in HK. So baby also has no right for permanent ID card etc. As such she has a HK birth cert with no further residency rights As such I need to apply for HK dependants visa on my passport & then a non-permanant HK ID card for her.