Hemorrhoids and Insurance Coverage (with 2022 surgery price comparison of 12 hospitals)

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10Life Team

20 Jun 2022
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10Life Team

20 Jun 2022

Estimated reading time 5 minutes

香港不少人都有痔瘡問題,根據醫管局統計年報,2016年香港有逾2.6萬人次因痔瘡而留院,尚未計及部份人毋須動手術或諱疾忌醫,或嫌公立醫院等候時間過長而到私家醫院。究竟痔瘡成因是甚麼?是否一定要動手術才可以治療?而保險是否包割痔瘡?

甚麼是痔瘡?

痔瘡是由肛門的細小血管和結締組織形成,通常在變大或發炎時才會引發徵狀,並可按嚴重程度分為四期(見表1)。

表1:按嚴重程度,痔瘡可分為四期

級別 詳情
第一期 痔瘡在肛門內,未有突出,僅有流血等病徵。
第二期 痔瘡突出至肛門外,惟於排便後自動復位。
第三期 於病者排便後,痔瘡不能自動復位,需人手將其復位。
第四期 痔瘡長期於肛門外,無法復位。
資料來源:養和醫院

內痔和外痔有何分別?

根據痔瘡的位置,痔瘡可分為內痔和外痔,或兩者混合。內痔位於肛門齒狀線以上。至於外痔,則位於肛門附近的皮膚。兩者症狀不盡相同(見表2)。

表2:痔瘡的常見症狀

內痔 外痔
•大便帶血。
•肛門痕癢。
•當痔瘡受到絞窄時,肛門感到疼痛。
•肛門出血。
•肛門感到疼痛。
資料來源:香港衞生署衞生防護中心

成因

根據衞生防護中心資料,引致痔瘡的成因包括久坐不動、長期便秘及用力排便、年長。此外,某些發炎性腸疾亦與痔瘡關係密切。

俗語有云「十個男人九個痔」,不過並無醫學證據顯示男性有較大機會患上痔瘡。事實上,男性較多出現痔瘡或與職業有關,例如從事體力勞動而導致腹壓增加,引致痔瘡。

檢查方法

如患者因大便帶血或肛門痛楚求診,醫生會先排除非其他疾病(如肛裂、大腸出血、性病等)而引起,確定症狀是由痔瘡所致。此外,若患者出現痔瘡凸出症狀,醫生或會以手指探肛、肛門內窺鏡檢查。

治療方法

視乎痔瘡級別情況,醫生會採用藥物或手術治療。藥物治療針對徵狀比較輕微的痔瘡,包括局部藥物如栓劑或軟膏,進食食物纖維及流質飲品,以及排便訓練。至於手術治療包括結紥、硬化治療、冷凍治療及切除手術。

如果痔瘡情況嚴重,可能需要進行手術。不過,公立醫院痔瘡手術預計輪候時間可以長達36個月。如選擇私家醫院,價格乎介2萬多港元至近6萬港元,視乎選擇日間治療或住院。一般而言,由於日間治療不用留院過夜,價格較平。

表3:12間私家醫院痔瘡手術價錢比較(痔瘡切除術中位數,港元)

醫療機構 日間 住院
港安醫院 $51,155 $62,560
嘉諾撒醫院 沒有提及 $59,282
明德國際醫院 沒有提及 $55,040
養和醫院 沒有提及 $52,514
荃灣港安醫院 沒有提及 $39,057
浸會醫院 $22,213 $39,026
聖保祿醫院 $37,738 $38,984
港怡醫院 沒有提及 $37,350
聖德肋撒醫院(法國醫院) $32,684 $36,793
播道醫院 $27,687 $35,520
仁安醫院 沒有提及 $34,570
寶血醫院 沒有提及 $26,427.5
註:以有關醫療機構資料為準。

割痔瘡手術可以Claim保險嗎?

若果割痔瘡手術涉及醫療需要,即使是入門級的自願醫保(VHIS)標準計劃,我們預計可以涵蓋割痔瘡手術79.8%開支,而一些更高階的自願醫保高端醫療保險,其相關預計保障率可以達100%,不過大家必須留意等候期,可以利用《產品解碼器》比較。(註1)

預防方法

最後,只要養成良好的生活方式,預防痔瘡出現,其實就毋須擔心太多治療方法以及保險產品是否作出保障,而良好的生活方式包括:
  • 健康的飲食習慣,包括進食大量蔬菜、生果及五穀類食物,配合飲用充足的流質飲品。
  • 定期運動。
  • 如工作需要長時間坐着,可站立或步行一會,作為短暫休息。
註:
  1. 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《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。
  2. 本文最後更新日期:2022年5月31日。

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