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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