Medical
For anyone that joined since Jun97, there are limits on medical coverage for dependants. The spouse of someone I know had an emergency operation here in HKG and the guy was given a bill for $80,000HK as that is how much the operation was above the limit. So he and many others are also insuring using companies like BUPA - I think it costs around $3-4,000 a month and I am not sure of the maternity coverage. I suspect there are waiting periods for coverage. Not sure about dental though!