Is VHIS Standard Plan “Standard” Enough?
10Life Team
| 國家或地區 | 醫療保障計劃 | 乳房重建保障細節 |
| 美國 | WHCRA團體保險 | 列明團體保險只要是保障乳房切除手術， 亦必須保障乳房重建手術 |
| Medicare | 保障因乳房切除手術而出現的重建手術 | |
| Medicaid | 因應州份而定，以華盛頓州為例屬保障之列 | |
| 英國 | 英國國民保健計劃 | 保障修補或重建一些因疾病、 意外後失去或受破壞的身體組織，包括乳房 |
| 香港 | 公立醫院 | 有關手術費用已經包括在住院收費， 病人無須繳付額外費用 |
| 自願醫保計劃 | 標準不一 |
| 食衛局提及「醫療所需」的原則 |
| (a) 需要註冊醫生的專業知識或轉介； |
| (b) 符合該傷病的診斷及治療所需； |
| (c) 按良好而審慎的醫學標準及主診註冊醫生審慎的專業判斷提供，而非主要為對受保人、其家庭成員、照顧人員或主診註冊醫生帶來方便或舒適而提供； |
| (d) 在環境最適當及符合一般公認的醫療標準的設備下，提供醫療服務； |
| (e) 按主診註冊醫生審慎的專業判斷，以最適當的水平向受保人安全及有效地提供。 |
| 自願醫保供應商 | 是否保障？ | 回應 |
| 友邦 | ✗ | 稱根據客人最佳利益及醫療需要而定，但有真實個案顯示不獲賠償 |
| 亞洲保險 | ✓ | 根據保單賠償表作出賠償 |
| 安盛 | ✓ | 屬醫療需要 |
| Bowtie | ✓ | 保障，亦保障因罕見意外觸發的乳房重建手術 |
| 保柏 | ✓ | 屬醫療需要 |
| 信諾 | ✓ | 屬醫療需要 |
| 富衛 | ✓ | 會作出保障 |
| 滙豐人壽 | ✓ | 屬醫療需要，會作出保障 |
| 保誠 | ✓ | 屬醫療需要 |
| 萬通 | ✓ | 屬醫療需要 |
| 藍十字 | ？ | 回應模糊，僅表示「靈活計劃」會作出保障 |
| 宏利 | ？ | 回應模糊，稱需視乎實際情況、醫療需要等因素而定 |
| 永明金融 | ？ | 回應模糊，稱需要符合醫療需要定義 |
| ZA Life | ？ | 回應模糊，稱需要符合保單定義及醫療紀錄 |
| 安聯人壽 | 沒有回應 | |
| Avo | 沒有回應 | |
| 中銀人壽 | 沒有回應 | |
| 國壽海外 | 沒有回應 | |
| 太平 | 沒有回應 | |
| 安達人壽 | 沒有回應 | |
| 大新保險 | 沒有回應 | |
| 富通保險 | 沒有回應 | |
| 香港人壽 | 沒有回應 | |
| 利寶國際 | 沒有回應 | |
| 三井住友 | 沒有回應 | |
| 立橋人壽 | 沒有回應 | |
| 蘇黎世保險 | 沒有回應 | |
| 註： 1.保險公司回應的問題是「一位患有乳癌的年輕女性，若果需要接受整個乳房切除手術，並且再接受乳房重建手術，請問後者重建手術是否屬於醫療需要？而有關自願醫保計劃會否保障？」。 2.模糊是指回應時僅重申有關個案必須屬醫療所需或未有正面回應。 3.有關查詢是通過列載在保監局上的保險公司聯絡方式寄出。 4.友邦香港的研究結果是根據病人真實個案。 5.上述資料截至2022年3月31日。 |
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