Comparing Medical Wellness Programs 2022

Estimated reading time 7 minutes

10Life Team

19 Apr 2022
blog cover image
Share to Facebook
Share to Twitter
Share to LinkedIn
Share to Whatsapp
Copy URL

10Life Team

19 Apr 2022

Estimated reading time 7 minutes

10Life早前比較過9款門診保險。不過,原來市場上提供門診保障的產品並不限於門診保險。近年不少保險公司陸續推出「醫療保健計劃」招收會員,以優惠價讓他們使用普通科、專科、中醫門診、物理治療、跌打等服務。雖然「醫療保健計劃」不是保險,但性質與門診保險其實非常相似。

現時,常見醫療保健計劃分別有保泰人壽BowtieGo、FWD富衛健康通行證、OneDegree醫療護照。BowtieGo有多個版本,其中3Care BowtieGo(下稱BowtieGo)是3香港與保泰人壽的商業合作,不論是否3香港客戶都可參與。

圖表1:醫療保健計劃比較(醫療網絡、普通科門診、專科診症、中醫門診、費用、參加年齡)

假設參與者為6歲非吸煙男孩或女孩、35歲非吸煙男士或女士

醫療保健計劃
醫療網絡選項
普通科門診
專科診症
中醫門診
6歲男孩或女孩
每年費用
35歲男士或女士
每年費用
參加年齡
醫療保健計劃
3Care BowtieGo
醫療網絡選項
醫生:1,000+
普通科門診
次數不限
費用請向診所查詢
專科診症
不適用
中醫門診
次數不限
費用請向診所查詢
6歲男孩或女孩
每年費用
不適用
35歲男士或女士
每年費用
$9481
參加年齡
最低18歲
醫療保健計劃
FWD富衛
健康通行證
醫療網絡選項
保健服務及
醫生夥伴:1,400+
普通科門診
45折
(診金連三天基本藥物)
專科診症
45折
中醫門診
5折
(診金連兩包處方藥費)
6歲男孩或女孩
每年費用
不適用2
35歲男士或女士
每年費用
$680
(包1名主會員+3名家庭成員)2
參加年齡
18至100歲
(主會員)2
醫療保健計劃
OneDegree
醫療護照
醫療網絡選項
診所數目:900+
普通科門診
每次費用$1953
(包3日藥)
專科診症
每次費用$4803
(包3日藥)
中醫門診
每次費用$1803
(包2日藥)
6歲男孩或女孩
每年費用
不適用
35歲男士或女士
每年費用
$200
參加年齡
最低18歲
註:
1. 非3香港客戶個人版Annual Pass年費。
2. 「富衛健康通行證」:計劃為1名主會員 + 免費加入3名家庭成員提供保健及醫療服務,而主會員必須為18至100歲的香港永久居民。家庭成員包括伴侶、父母及18歲以下的子女。
3. OneDegree 醫療護照:醫療服務優惠收費只適用至2022年5月6日。

富衛網絡醫生達1,400+  多屬中醫類別


醫療保健計劃只限使用網絡醫生,不過亦要留意網絡醫生的中醫、西醫比例。以BowtieGo為例,其提供超過1,000名醫生,根據網站資料約8成為中醫。富衛網絡保健服務及醫生夥伴超過1,400位,根據小冊子資料當中逾1,000位屬中醫、針灸、拔罐及推拿類別。

OneDegree亦提供超過900間診所的醫療網絡,其網站設有醫療服務地圖,列出不同類別的醫生或醫師名單。如有興趣,讀者亦可於參加前向保險公司查詢網絡服務名單,看看自己平日幫襯開的醫生是否在名單之上。

睇普通科、專科、中醫仍需要付費


值得注意的是,上述這些醫療保健計劃會員需承擔部份診金費用,當中BowtieGo會員需向診所查詢;富衛則提供折扣優惠;而OneDegree寫明實收金額。

除了保障外,醫療保健計劃年費都是重要考慮。富衛年費為680港元,該費用包括了1名主會員 ,以及3名家庭成員。反之,Bowtie和OneDegree以人頭計,收費分別為每位948港元和200港元。讀者參加前,不妨計計數,看看那種收費模式最划算。

圖表2:醫療保健計劃保障比較

醫療保健計劃
物理治療
跌打
脊醫
針灸
檢查及洗牙
其他保障
醫療保健計劃
3Care BowtieGo
物理治療
不適用
跌打
不適用
脊醫
不適用
針灸
不適用
檢查及洗牙
不適用
其他保障
每年1次身體檢查
醫療保健計劃
FWD富衛
健康通行證
物理治療
45折
(單次療程費用;不包括衝擊波治療)
跌打
4折
(診金連單次療程費用)
脊醫
6折
(診金連單次療程費用)
針灸
45折
(診金連單次療程費用)
檢查及洗牙
65折
其他保障
推拿(7折)、拔罐(6折)、營養師諮詢(8折)、心理諮詢(9折)
醫療保健計劃
OneDegree
醫療護照
物理治療
每次費用$3001
(每次每部位)
跌打
每次費用$2501
(每次每部位)
脊醫
每次費用$4501
(每次每部位)
針灸
每次費用$2801
(每次每部位)
檢查及洗牙
每次費用$1981
(每年1次)
其他保障
不適用
註:1. OneDegree 醫療護照:醫療服務優惠收費只適用至2022年5月6日。

富衛和OneDegree有齊物理治療、跌打、脊醫、針灸、洗牙


當受傷或勞損,部份人會選擇物理治療或傳統中式治療。富衛和OneDegree包括物理治療、跌打、脊醫、針灸。另外,針對口控健康,兩款計劃涵蓋牙齒檢查及洗牙。至於其他保障,BowtieGo包每年1次身體檢查,而富衛計劃則涵蓋推拿、拔罐、營養師諮詢、心理諮詢。

醫療保健計劃沒有冷靜期


很多人會疑問這些醫療保建計劃究竟與門診保險有甚麼分別?對於一般消費者而言,醫療保健計劃並非保險產品,不設冷靜期,若果希望退還「會費」需要與保險公司直接商討。另外,醫療保健計劃亦毋須繳付保費徵費。除了這些以外,計劃跟一般門診保險功能上還是非常相似。

高端醫保、自願醫保靈活計劃都有門診保障


最後,高端醫保及自願醫保靈活計劃通常涵蓋入院前及出院後指定天數內的門診。此類門診保障與住院有關,例如手術前評估和手術後跟進。有些則可以透過買入附加保險獲得門診保障。如想了解更多,歡迎使用10Life《產品解碼器》比較自願醫保高端醫保,或參考我們早前文章:

1.〈【自願醫保半私家房比較2022】「5星級」自願醫保大激鬥 保障及價格全披露
2.〈點止「全保」咁簡單? 解構高端醫療保險的超然保障!

註:

  1. 本文由10Life從不同途徑搜集市場資料製作而成,僅供一般參考之用,並沒有考慮任何個人需要及合適性,亦不應被視爲銷售建議。投保前應與持牌保險顧問商討適合自己的保險方案,並以保險公司提供的資料爲準。
  2. 本文最後更新日期:2022年4月8日。



Disclaimer

10Life Product Comparison and 10Life Insurance Ratings are developed by 10Life Financial Limited, an authorised insurance broker company licensed with the Insurance Authority under 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. None of the 10Life Information is intended, nor should they be considered or relied upon, as regulated advice, insurance, financial, investment or professional advice, recommendation, approval, endorsement, invitation or solicitation in respect of any 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, and is not sufficient to form the basis of any decisions to purchase any insurance products. You should rely on information authorised by insurance companies, carry out your own research and/or seek independent advice from licensed intermediaries before purchasing any insurance products or making any insurance decisions. While reasonable 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, claim or loss arising from or associated with you using 10Life Information. No warranty, representation or guarantee is given by 10Life Group and its subsidiaries 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 .

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

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
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

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
1116
249

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
What You Should Know About Wisdom Teeth?
12 Aug 2022
Health
blog cover image
4 Angles for Choosing the Right High End Medical Insurance
10 Aug 2022
High-end Medical
blog cover image
Comparing Travel Insurance 2022
09 Aug 2022
Travel Insurance
blog cover image
What is Supplementary Major Medical?
05 Aug 2022
Glossary
Confirm to leave?
Instant Chat
Licensed advisors will address all your insurance queries
Please select advisors

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
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

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
1116
249
×
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

4.7
4006
612

Nik, Leung Tsz Kei

梁芷萁

10Life Financial Manager, Insurance Specialist

4.8
1173
274

Arthur, Law Wing Kai

羅永楷

10Life Financial Manager of Business Development

5
245
80

Winnie, Ng Wai King

吳惠琼

FTLife Agency Manager

4.8
1853
309

Even, Shum Miu Chu

岑妙珠

恆泰 高級理財顧問

4.6
1349
250

Philip, Lee Hon Lun

李漢麟

YF Life Branch Manager

4.4
1646
263

Tony, Yeung Chun Fung

楊俊鋒

FWD Life Wealth Planner

4.7
1770
309

Mabel, Siu Sin Wan

蕭善尹

FTLife Wealth Management Director

5
1063
315

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
1116
249

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.