[COVID-19 Vaccine Side Effects] Can you claim from traditional medical insurance ?

Estimated reading time 6 minutes

10Life Team

30 Mar 2021
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

10Life Team

30 Mar 2021

Estimated reading time 6 minutes

2021年9月7日更新:香港保險業聯會發佈聲明指,於接種新冠疫苗後,如出現任何不良反應而需要住院接受治療,其會員公司 均會視之為「有醫療需要」,並根據個人償款住院保險產品的條款及細則賠償醫療費用。因此,內文提及的醫保現時已涵蓋新冠疫苗副作用。

執筆時,累計超過46萬人接種第一劑新冠疫苗。然而,近幾星期出現多宗懷疑與接種新冠疫苗後出現的嚴重異常事故,令羅普大眾關注新冠疫苗的副作用。早前自願醫保(VHIS)辦公室曾發出信息,表示自願醫保保障範圍涵蓋因治療接種新冠病毒疫苗而出現不良反應所產生的費用,包括住院、接受日間手術及進行訂明診斷成像檢測等費用。

既然自願醫保涵蓋新冠疫苗副作用,哪主流的傳統醫保又有沒有相關保障?香港保險業聯會指出,部分個人醫療保險將預防性治療及預防性護理的費用(包括接種疫苗及直接或間接因接種疫苗而引起的索償)列為不保事項。10Life今天跟大家探討一些傳統醫保產品,看看它有否保障新冠疫苗副作用。

僅少數醫保涵蓋新冠疫苗

10Life翻查產品條款及電郵查詢多間保險公司,整理了市面上十多款傳統醫保對新冠疫苗副作用的保障。

圖表1:比較不同醫保產品對新冠疫苗副作用的保障 (截止2021年3月24日)

保險公司
醫保產品
該醫保保障
是否涵蓋新冠疫苗
友邦
特級「健康之寶」醫療保障計劃2
1
安盛
寰宇特選 II醫療計劃
2
保柏
保柏卓康健
3
中國人壽
「國壽海外」尊尚醫療保險計劃
3
中國太平
太平臻安保環球醫療保險計劃
未回覆4
信諾
信諾尊尚醫療保
3
富通
「摯康健」醫療保障計劃
5
富衛
衛一醫療總匯
4
滙豐
摯關懷超卓醫療計劃
2
宏利
晉領醫療保障系列
1
保誠
「摯為您」優悅醫療保險計劃
1
永明
永明滿心醫療保
未回覆4
 
  備註:
  1. 該醫保產品保單條款將預防性治療或接種疫苗列為不保事項,而保險公司回覆10Life查詢電郵時,亦僅提及為指定客戶提供免費新冠疫苗副作用保障。
  2. AXA安盛回覆10Life查詢電郵時表示,其「寰宇特選 II醫療計劃」及經由滙豐分銷的「摯關懷超卓醫療計劃」客戶,如因新型冠狀病毒疫苗副作用而引致住院需要,一般情況下均會作出賠償。有關賠償金額根據客戶所選擇的保障級別及計劃之保障範圍等因素而定。
  3. 保險公司採取臨時措施將新冠疫苗納入該醫保保障。
  4. 保險公司尚未回覆10Life查詢電郵。
  5.  FTLife富通回覆10Life查詢電郵時表示,該醫保保障將納入新冠疫苗副作用,但只涵蓋由本地政府批准的新冠疫苗,並且有關醫療開支須有醫療必要性。
  6. 以上資料由10Life提供,更新至2021年3月24日。

如上圖所見,大部份熱門醫保產品保單均將預防性治療或接種疫苗列為不保事項。不過,新冠疫苗將涉及大規模接種,所以有少部份保險公司,如Bupa保柏、Cigna信諾環球及China Life中國人壽,則於網站公佈特別臨時措施,將新冠疫苗副作用納入上述醫保內的受保事項。

此外,AXA安盛回覆我們的電郵查詢時表示,其「寰宇特選 II醫療計劃」及經由滙豐分銷的「摯關懷超卓醫療計劃」客戶,如因新型冠狀病毒疫苗副作用而引致住院需要,一般情況下均會作出賠償。(註1)另外,FTLife富通亦向我們表示,「摯康健」醫療保障計劃將涵蓋新冠疫苗副作用。(註2)換言之,以上保單持有人如不幸因接種疫苗副作用而入院,屆時可以按醫保保單條款獲得賠償。

免費新冠疫苗副作用保障

雖然多數保險公司沒有將疫苗副作用納入醫療保險的保障內,但卻推出免費新冠疫苗副作用保障(按此瀏覽文章)。這種免費保障有些針對新舊客戶,有些針對全港市民,主要提供住院及身故賠償。不過要注意的是,免費疫苗副作用的保障以住院現金為主,而且按日計算,並設有指定日數上限,而傳統醫保保障項目更廣、保額一般較高、且賠償是實報實銷,兩者存在明顯差異。此外,不少保險公司(如安盛、富衛和保誠)都需要客戶登記,方可獲得免費保障。因此,讀者如不清楚自己是否已有免費新冠疫苗副作用保障,應盡快向保險公司查詢。

近幾星期出現多宗懷疑與接種新冠疫苗後出現的嚴重異常事,惟專家委員會初步認為,事件與疫苗接種並沒有直接因果關係。因此,接種疫苗人士若因已存在疾病,而出現不良反應送院,未必能獲得副作用保障賠償。不過,要是病人本身購買了醫保,則可因入院向保險公司索償。

最後,順帶一提,為了讓消費者易於掌握自願醫保產品的保障,10Life精算師以多個傷病個案(包括癌症、通波仔、中風等),計算自願醫保的預期保障率,歡迎大家瀏覽10Life《產品解碼器》逐一比較。


伸延閱讀:

註﹕

  1. AXA安盛回覆10Life的電郵查詢時表示,有關賠償金額根據客戶所選擇的保障級別及計劃之保障範圍等因素而定。
  2. FTLife富通回覆10Life查詢電郵時表示,該醫保保障將納入新冠疫苗副作用,但只涵蓋由本地政府批准的新冠疫苗,並且有關醫療開支須有醫療必要性。
  3. 以上資訊由10Life提供,更新至 2021年3月29日,僅供參考,並非銷售建議。 

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.

If you have any questions on 10Life Product Comparison and 10Life Insurance Ratings, please email us at enquiries@10life.com .

Compare Mass Market Medical

Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

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

Have an insurance question? Just ask!

  • Ask a question anytime, anywhere
  • Get response from multiple licensed advisors
  • Simply login with Email
You can choose to direct your question to a specific insurance company before submitting a question.
Please enter all the question field.
Sorry, the question was failed to send.
The question was successfully sent.
ExamplesHow to choose saving insurance?Do I need life insurance?What products cover unknown pre-existing conditions?
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

Further Readings

blog cover image
Cancer Medical Insurance Comparison
27 Jun 2022
blog cover image
Comparing Home Insurance 2022
24 Jun 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
Comparing Term and Whole Life Critical Illness Insurance 2022
24 Jun 2022
Critical Illness
blog cover image
What Is Medical Financing and What You Need to Know
22 Jun 2022
Mass Market Medical
High-end Medical
Confirm to leave?

Compare Mass Market Medical

Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

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
×
Ask Questions
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
Advisor Replies
Your question has been sent to licensed advisors.
No contact information needed. Anonymous questions, instant chat, and get opinions from licensed advisors.
Please sign up or login, instant anonymous questions!
My Advisors
No record with advisors.
Please sign up or login. No contact information needed, instant contact with advisors!
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

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

We use cookies to give you the best possible experience on our website. By continuing to browse this site, you give consent for cookies to be used. For more details please read our Cookie Policy.