10Life Medical Rating Methodology - Enhanced Market Standards (Chinese Article)
- 醫療保障評分 – 產品對指定傷病個案的保障率
- 抗醫療通脹–產品是否有對抗醫療通脹的特性
| 傷病類別 | 傷病個案及治療 |
| 癌症 | 乳癌，乳房切除、重建、化療及放射治療 肺癌，肺葉切除術 肝癌，需接受手術及標靶治療 腸癌，需接受腹腔鏡結腸切除術及化療 |
| 受傷 |
前十字韌帶手術 全膝置換術 |
| 血管疾病 |
通波仔，置入支架 中風 日間血液透析（洗血） |
| 非嚴重疾病 |
發燒，需住院 割痔瘡手術 腸鏡檢查 (日間治療) |
- 全數保障（產品大部份項目不設細項上限）
- 高額每保單年度賠償上限
- 普選房：大於或等於$5,000,000
- 半私家房：大於或等於$8,000,000
- 私家房：大於或等於$20,000,000
- 不設終身限額或保證保障不減少（適用於所有自願醫保計劃）
最後必須提醒大家，評分方法涉及假設，並沒有考慮核保過程、理賠嚴謹程度、投保人個人需要等其他因素，僅供一般教育及參考用途，並非銷售建議。
註：
- 10Life根據多個常見、涉及不同程度、及醫療服務的傷病個案，於一般情況下的醫療開支，再由10Life精算師對照醫療產品的賠償上限，計算出來的預計平均保障，詳見《大眾醫療保險的評分方法》。上述傷病個案的預計保障率是根據該傷病於一般情況下之預計醫療開支來計算，用作「預計」醫療保險及消費者大概要負擔的醫療開支，僅作參考之用，並未得到有關保險公司之確認。用戶不應視之為實際醫療開支。每個傷病個案的嚴重程度、所需治療、及保險公司的理賠評核等，都未必相同，均影響受保人實際的賠償額。實際賠償額受保單條款約束，保險公司有最終決定權。
- 數據來自《2019年香港癌症統計概覽》。香港醫院管理局；2021年10月。
- 數字取自怡安《2020 Global Medical Trend Rates》。
- 以上資訊由10Life提供，更新至2021年12月9日。
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