爲何有人會買醫療保險

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10Life Team

24 Jan 2018
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10Life Team

24 Jan 2018

Estimated reading time 2 minutes



文:鄧國輝
由80年代至今香港醫療技術不斷進步,已經有8間或以上私家醫院服務香港人。與此同時人口老化問題日益增長,公立醫院每日睇急症老人家都非常多,更出現住院床位不足的嚴重問題。

到底在香港是否真的有需要買一份醫療保險自用?可以留意以下幾點:

1) 普遍睇急症市民經醫生觀察後會再轉介睇專科醫生,當然唔同病況會轉介睇唔同類型專科。最常見腸胃科都已經要排期等候2-3年,若果是老人家可能會快一點,那麼年輕人/成年人就要等2-3年後才知道自己病症嗎?若果本身有醫療保險便可以馬上經醫生轉介入院做醫療檢查去對症下藥。

2) 公立醫院每次診症180元,基本上每個人都能夠負擔到。若不幸確診是癌症,便需要用上標標靶藥作治療。標靶藥治癒每月洗費四萬至六萬,一年療程已接近五十萬至七十萬。普遍標靶藥治癒往往能夠大大提高病人生存率,所以很多人希望用到。

3) 基本上病情唔嚴重或老人家,都需要等候排期。普遍早期癌症或原位癌都不會有太大影響或痛楚而發現,所以很難會認清病徵。大部份都需要做醫療檢查例如磁力共振或電腦素描才發現,所以很多人會把醫療保險當作每年身體檢查,保障自己健康。當然是感覺到身體有任何不適的情況下便立即到私家醫院。

4) 公立醫院基本上是自動安排當值醫生給你,沒有選擇。私家醫院就可以自己揀選醫生就醫。當然醫療保險是可以在公立醫院和私家醫院用。每位市民當然都有權去選擇自己的主診醫生。

Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker with Insurance Authority License Number FB1526. 10Life Product Comparison and 10Life Insurance Ratings are developed for generic customer segments using mathematical calculations based on product information, facts and data, and are not influenced by any partnerships with or fees received from insurance companies.  

Any information on 10Life Platform ("10Life Information"), including but not limited to Product Comparison, Product Ratings, Blog Articles are intended for general education purpose and reference only and should not be constituted as any insurance, financial, investment or other professional advice or solicitation to buy insurance, financial or investment products. 10Life Information does not take into account your individual needs. Reading 10Life Information should not be considered as conducting a suitability assessment. You should only rely on information authorised by insurance companies and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While best effort is used when collecting, validating and updating 10Life Information from various channels, none of 10Life Group and its subsidiaries, affiliates, agents, directors, officers and employees will be responsible for any liability arising from using 10Life Information or for any claims and/or losses caused thereby, and no warranty or guarantee is made on the accuracy, completeness and timeliness of the information.

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Question: 爲何有人會買醫療保險
鄧國輝
Peter, Tang Kwok Fai
IAM 經紀
Answer:

總括而言是否需要買醫療保險最終都是由你自己決定是否有這需要,畢竟中介人只能夠講解產品特點和理念給你。你的生活與家人的生活都互相影響帶動發展將來,所以自己的人生計劃仍是由你自己去決定。以上的文章分享只是講解醫療保險實際用處,不同公司的產品都各有特色,你只需按自己要求去揀選就可以了。希望對大家有一點點幫助更清楚明白。

Responses from the advisors do not represent 10Life. 10Life will not bear any responsibilities nor make any warranty or guarantee for the accuracy, completeness and timeliness of the information or for any claims and/ or losses caused thereby.
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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.6
3978
610

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1849
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1345
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1644
262

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1763
308

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1058
313

Edward, Lam Wing Chuen

林永泉

Convoy Senior Wealth Management Advisor

4.6
1557
263

Noble, Suen Chit Yuen

孫哲遠

AIA Associate Director, Wealth Management and Protection

4.4
1114
249

Liu Lai Ting

廖麗婷

FWD Senior Branch Manager

4.8
1408
211

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