Body Check 2022: What You Need to Know (Plus Price Comparison on 17 Packages)

Estimated reading time 6 minutes

10Life Team

27 May 2022
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10Life Team

27 May 2022

Estimated reading time 6 minutes

不少人選擇每年定期做身體檢查Body Check,希望預防勝於治療;亦有部份市民因即將接種疫苗而進行體檢。挑選體檢計劃時,應考慮甚麼事項?是否檢查項目越多越好、越貴越有效?未買保險就進行身體檢查將會面臨甚麼後果?而身體檢查Claim保險可以嗎?

檢查項目:貴Plan、平Plan有咩唔同?

坊間身體檢查計劃眾多,標榜針對不同客群,例如男士、女士、長者等。不過,常見的基本檢查多數包括BMI、血壓、血脂、血糖、全血細胞、肝功能、小便常規等,而另一些收費較高的計劃,則進一步涵蓋電腦掃描、磁力共振、超聲波、運動心電圖、大腸鏡、骨質疏鬆指數、婦科檢查等。

身體檢查套餐價錢比較

私家醫院、體檢中心、診所均提供驗身計劃,檢查項目五花八門,價格範圍極闊,由數百港元至五位數不等。順帶一提,不少信用卡公司亦與醫療機構合作,推出優惠套餐。消費者進行體檢前,不妨先格價。

表1:不同機構身體檢查套餐價錢比較

機構名稱 套餐名稱 價錢
基督教聯合那打素社康服務 都市快閃查 $575
Kinetics 毅力醫護健康 週年身體檢查計劃 – 優惠 $780
仁安保健中心 基本 $910
時代醫療 週年健康檢查計劃 - 綜合 $1,080
卓健醫療服務 基本健康檢查 $1,150
美邦醫學體檢中心 基本身體檢查計劃(8K) $1,480
聖德肋撒醫院(法國醫院) 基本計劃 $1,650
香港體檢 基本健康檢查 - 週末 $1890
浸會醫院 健康檢查計劃 —— 標準 (男女適用) $2,390
東華三院 基本檢查A $2,390
香港中文大學醫院 健康檢查計劃 M1 (男)或W1(女) $2,500
荃灣港安醫院 標準套餐 $3,0101
港安醫院 「摯誠為您」身體檢查系列 - 致健 - 計劃1 $3,900(男)/
$4,200(女)
寶血醫院 身體檢查優惠計劃 - 至放心 $3,905
嘉諾撒醫院 基本計劃 $4,780
播道醫院 勵志精英體檢 $4,875
養和醫院 健康檢查計劃A $8,100
註:50歲或以上優惠價:$2,107(只適用於星期一至五)。

度身訂做身體檢查 方為上策

套餐式身體檢查看似「抵食夾大件」,但難針對每個人的個人狀況,或令消費者白花冤枉錢和時間。

較理想的做法,是採取度身訂做的方式。於身體檢查前,先與家庭醫生商討。醫生會評估客人的年齡、性別、生活習慣(如飲食、運動、有否煙酒)、疾病紀錄、家族病史(如糖尿病、高血脂、大腸癌)、其他個人需要(如婚前檢查)等因素,再作出個人化的檢查建議,包括檢查項目和頻密程度。


做身體檢查前 宜先買危疾同醫保險

身體檢查有可能發現一些小毛病,如壞膽固醇過高、脂肪肝等,而於購買危疾和醫保險時,客戶須主動向保險披露相關發現,可則或被視為隱瞞「重要事實」(material facts),因而令保單失效或索償被拒。

與此同時,由於身體檢查會暴露了一個人的身體小毛病,這將會導致保險公司嚴格檢視受保人的身體狀況,例如若果驗到脂肪肝的話,危疾保險或許會將整個器官相關毛病都會列為「不保事項」,或會者會徵收額外保費;又以女性為例,若果乳房驗到一些良性「水囊」,往後相關疾病例如乳房則成為不保事項。

因此,消費者在進行身體檢查時,宜先投保醫療保險或危疾保險,減低「不保事項」出現之機會。

最後,市面上部份保險也有提供身體檢查,有興趣的讀者不妨留意。

表2:提供身體檢查的保險

保險公司 產品
AXA安盛 紅粉醫療保障1
Bowtie 保泰 Bowtie Pink 自願醫保計劃2
Bupa保柏 環球優越自願醫保計劃3
HSBC滙豐 摯關懷超卓醫療計劃4
Manulife宏利 活亮人生醫療保障系列3
Prudential保誠 守護健康女性保障6
Zurich蘇黎世 「智樂人生」門診醫療保險計劃7
註:
1. 被保人其後可在首個保單週年日起的每兩個保單年度可享一次女性體檢。
2. 限時優惠。
3. 每年免費獲健康檢查。由會籍第二年開始,受保人可以選擇體檢中心及檢查項目,然後向保柏索償每年最高合共4,000港元的身體檢查,不限檢查次數;或於指定的體檢中心每年免費接受全面的身體檢查一次(只適用於18歲或以上的受保人)。
4. 產品由安盛承保。由第二個保單年度開始,根據受保人所屬的計劃和年齡,提供不同的免費身體檢查計劃,如乳房X光檢查(35歲起)及結腸鏡檢查(50歲起)。
5. 只要計劃已連續生效兩年 , 以及受保人於第2個連續保單年度開始時已達30歲 , 「活亮人生」 將每兩個連續保單年度提供一次免費健康檢查 。
6. 於計劃生效日期起計,每2年提供1次身體檢查,直至76歲(下次生日年齡)為止。
7. 每年免費身體檢查,適用於優越計劃及尊尚計劃。
8. 表中只顯示市場上部份產品例子。

註:本文最後更新日期: 2022年4月29日。

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Jack, Ng Wai Lap

黃維立

AXA Unit Manager

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
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Arthur, Law Wing Kai

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10Life Financial Manager of Business Development

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Winnie, Ng Wai King

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FTLife Agency Manager

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Philip, Lee Hon Lun

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YF Life Branch Manager

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