My husband's insurance does not cover maternity so we decided to go public with private supplementation (i.e. OSCAR test, ultrasounds). My observations with the HK health-care system, whether private / public or medical / dental, is that you as a consumer really need to be informed and educated about your condition and health interventions. In addition, you also need to ask the 'right' questions .. it seem that the practitioners will only perform what YOU ask of them and are quite indecisive about a diagnosis or an opinion.