HealthMutual Group and Hong Kong Data Ltd. have signed a cooperation agreement to integrate and scale an electronic third-party administrator system aimed at streamlining cross-border healthcare between Hong Kong and mainland China.
The partnership centres on HealthMutual Group adopting Hong Kong Data’s proprietary Trusted Cross-border Data Space platform, which the companies said would provide the group’s more than 700,000 members with a secure and legally compliant framework for cross-border data transmission.
The eTPA system connects Grade 3A hospitals in the Greater Bay Area directly with Hong Kong insurers, offering an end-to-end solution that integrates underwriting, network management, and one-tap mobile claims.
The two companies also plan to co-develop specialized eTPA solutions for the Hong Kong employee benefits market, offering corporate clients a cashless experience with zero upfront payments for employees seeking medical care across the border.
KC Chan, founder of HealthMutual Group, said the deal aligned with the company’s founding mission.
“This cooperation is a natural progression of the vision we held when establishing HMG: to ensure that medical insurance remains a sustainable funding source for Hong Kong healthcare,” Chan said. “Facilitating smooth cross-border medical activity is essential to achieving that goal.”
Aldous Ng, founder and CEO of Hong Kong Data Ltd., said the platform was designed with broader public benefit in mind.
“We are proud to partner with HMG to deploy world-leading technologies for the public good,” Ng said. “Our TCDS platform connects key stakeholders – from Grade 3A hospitals to financial institutions – ensuring that patients seeking treatment in the Chinese Mainland can enjoy ‘one-tap access’ with total peace of mind.”
Cost pressures are accelerating demand for mainland alternatives. An estimated 540,000 Hong Kong residents now reside long term in Guangdong Province, fueling demand for mainland medical services, according to EverBright Actuarial Consulting’s 2025 Healthcare Integration and Cross-Border Health Insurance in the Greater Bay Area Handbook.
Many mainland hospitals now accept Hong Kong private medical insurance, and Elderly Health Care Vouchers for Hong Kong elderly residents are accepted at 19 major hospitals and clinics in Greater Bay Area cities designated by the Department of Health as of 2025. Policy harmonization, however, remains limited and fragmented, researchers noted.
Cross-border business accounted for 30% of total new business premiums in Hong Kong’s insurance market in 2024, underscoring the city’s position as a regional insurance hub, RGA reported.
