Hemorrhoids and Insurance Coverage (with 2022 surgery price comparison of 12 hospitals)
10Life Team
甚麼是痔瘡？
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？
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
檢查方法
治療方法
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？
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。
- 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。
- 本文最後更新日期：2022年5月31日。
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