Three programmes, each addressed to a distinct moment in midlife planning
From a focused four-week introduction to a comprehensive ten-week integrated programme — structured to suit where you are in your thinking.
Back to HomeHow the courses are structured, and why
Each course begins by establishing the relevant landscape — what the Hong Kong healthcare and care system actually looks like, what costs typically arise, and where the main uncertainties sit. From there, participants move into the financial and planning dimensions.
The sequencing is deliberate. Understanding the subject precedes planning for it. Participants who have tried to do this in reverse — starting with financial products and then understanding what they are for — consistently report it to be a less useful approach.
All three courses can be taken independently, though they are also designed to complement one another. The Integrated programme assumes no prior completion of the shorter courses.
Map the landscape
Understand what healthcare and care pathways actually look like in HK — public, private, and GBA options — before addressing costs.
Understand the costs
Examine realistic cost ranges by care type, age band, and coverage level — distinguishing what insurance addresses from what it typically leaves open.
Consider the planning questions
Work through the decisions that follow from this understanding — what to review, what conversations to have, and how to integrate care considerations with broader retirement planning.
Document and apply
Leave with a clear picture of your own situation — and, in the flagship programme, a written document that captures the key elements of your health-and-wealth overview.
Healthcare Costs in Midlife
For Hong Kong residents in their 40s and 50s who want to understand the landscape of healthcare expenses they are likely to encounter in the decades ahead. The course examines the interaction between public and private healthcare in Hong Kong, what typical medical insurance does and does not cover, the probable progression of costs with age, and the practical questions to consider when reviewing existing coverage.
No product recommendations are made at any point. The aim is understanding, not prescription.
Module Topics
- The HK public-private healthcare interaction — how the two systems relate
- What standard medical insurance typically covers — and the gaps
- How healthcare costs tend to shift across age bands from 40s to 70s
- Practical questions for reviewing existing coverage arrangements
Long-Term Care Planning
A six-week programme addressing one of the more difficult topics for midlife families: the potential need for extended care later in life, for oneself or for a parent. The course covers the forms long-term care can take in Hong Kong and the Greater Bay Area, realistic cost ranges, the interaction with insurance and family resources, and the early conversations that make later decisions less fraught.
The tone throughout is compassionate and clear. This is difficult material that benefits from being approached steadily and without pressure.
Module Topics
- Forms of long-term care in Hong Kong — residential, community, and family
- Greater Bay Area care options — costs, logistics, and quality considerations
- Realistic cost ranges and how they interact with insurance and family resources
- Frameworks for family conversations about care — before decisions become urgent
- The financial interaction between your own care planning and supporting older parents
Integrated Health & Wealth Planning
A ten-week programme that brings healthcare thinking into the broader retirement plan. Modules cover age-sensitive insurance review, the budgeting of out-of-pocket healthcare over a full retirement horizon, the interaction of care considerations with housing and location choices, and planning for supporting older parents while still in work.
Each participant completes a written health-and-wealth overview document — a personal reference produced during the course and intended to be useful beyond it.
Module Topics
- Age-sensitive insurance review — what to look for at different life stages
- Budgeting out-of-pocket healthcare across a retirement horizon of 20–30 years
- How healthcare interacts with housing and location decisions in later life
- Supporting older parents financially while maintaining your own retirement plan
- Producing your personal written health-and-wealth overview document
Comparing the three programmes
Use this to identify the course that fits your current situation best.
| Feature | Healthcare Costs in Midlife | Long-Term Care Planning | Integrated Health & Wealth |
|---|---|---|---|
| Duration | 4 weeks | 6 weeks | 10 weeks |
| Price | HKD 1,680 | HKD 2,480 | HKD 3,120 |
| HK healthcare cost landscape | |||
| Insurance review questions | |||
| Long-term care pathways (HK & GBA) | |||
| Parent care financial planning | |||
| Full retirement integration | |||
| Written personal document | |||
| Best for | First exploration of the topic | Care for self or parent is the priority | Comprehensive planning for retirement |
How all three programmes are held
No product recommendations
Applied across all content, exercises, and discussions across all three courses.
Clinical content review
Care pathway and medical content reviewed by a geriatric specialist before each cohort cycle.
Participant privacy
Discussion content stays within the cohort. Full PDPO compliance maintained.
Small cohorts
Eight to sixteen participants per cohort across all three programmes.
Annual content review
Curriculum reviewed at least once per year to reflect policy, cost, and care system changes.
12-month post-access
Participants retain access to recordings and materials for twelve months after completion.
Clear, all-inclusive pricing
Healthcare Costs in Midlife
- 4 weekly session modules
- All written materials included
- Session recordings included
- 12-month post-access
Long-Term Care Planning
- 6 weekly session modules
- All written materials included
- Session recordings included
- GBA care coverage
- 12-month post-access
Integrated Health & Wealth
- 10 weekly session modules
- All written materials included
- Personal written overview document
- Full retirement integration content
- 12-month post-access
We can help you identify the right starting point
A brief conversation is often all it takes to understand which course, if any, is the right fit for your current situation. There is no charge and no obligation to enrol.
Get in Touch