Medical Insurance Advice

Hi,


Am moving from an " all inclusive" medical cover to one which has limits/caps....


Any inputs on the following caps on hospitalisation benefits provided by my new employer ?


Room & board - HKD 800/day

ICU - HKD 1600/day

Hospital Service Expenses - 16,000/disability

Doctor's Visit - 800/day

Maximum Surgical Benefit - 45,000/disability

Anaesthetist's Fees - 13,500/disability

Operating Theatre Fee - 13,500/disability

In house Specialist Fee - 3,000/disability


In addition to this, there is supplementary major medical cover in the event the above basic plan has been exhausted [ 80 % or upto HKD 150,000 ]


These look way off given HK is an expensive place....!


What is the best way to mitigate hospitalisation risk, we're a family of 3 with a toddler, any recommendations on the best insurance package available in the market ???