小孩不需要買醫療嗎?

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31 Jan 2018
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31 Jan 2018

Estimated reading time 2 minutes



文: 莫穎敏 
面對新生嬰兒的到來,家庭上上下下都因此為感到非常喜悅。每個人都希望新成員可以係健康愉快的環境下長大,享受美好的童年。所以好多父母都了解各種興趣班,學校的模式或收費,一便給孩子提早準備好費用。然後就會參考各種投資或者儲蓄方案,我的一個好朋友都不例外。

事情發生在大約3年前,好朋友剛剛誕下一名健康的女孩,便前來問我關於孩子的教育基金及儲蓄計劃,因為她想提前準備以後可以給孩子接受最好的教育。我們相識10多年,我相信那一刻我介紹任何儲蓄類型的產品她都會相信及接受。但是我並沒有馬上介紹儲蓄給她,我給了她一個醫療計畫。
此刻很多傳統的人可能會對我的行為感到不滿,因爲大家都在為新成員喜悅,但我偏偏提起醫療計畫的資訊。

在此我想好好給大家解釋原因:

孩子們都不懂如何去表達他的身體狀況給父母聽,而且流感高峰期經常都是孩子們中招,以及一次新的病毒都比較容易感染孩子,畢竟孩子抵抗力低。萬一孩子生病不舒服她們只懂哭啼。父母肯定用最快的方法去找醫生解決,私家醫院肯定是最快的。很多時候醫生都會建議孩子住院觀察,如果發燒不退的話還必須去隔離病房。我想所有香港人都很清楚私家醫院的費用是很昂貴的,但是身為父母的病在孩子身痛在父母心,你覺得這樣的情況父母會選擇不讓孩子住院嗎?如果這個時候有一份醫療保險是不是就可以解決了費用的問題呢?沒有人希望孩子生病的,也不是說給孩子準備了醫療計畫孩子就不會生病,但是最起碼在孩子們病了不懂表達的時候可以不用擔心費用的問題第一時間給他最好的處理方法。這就是為什麼小孩也很需要醫療的原因。

最後,我選擇在大家為了新成員喜悅的時候提出醫療計畫是真心希望萬一孩子生病可以得到好的醫療,在好的環境康復,因為都是孩子父母的心頭肉,社會的未來。
Question: 小孩不需要買醫療嗎?
莫穎敏
Vickey, Mok Wing Man
AXA Senior Financial consultant
Answer:

保險不能讓你百毒不侵,不能還給你健康的身體,疾病來了已經讓病人及家屬們心力絞碎了,但是一份保障可以在那個時候給經濟上帶來一點安慰。我選擇在別人健康的時後談疾病,在開心的時候談困難,只是為了惡魔來的時候不會被殺個措手不及。希望大家都明白保險的概念和用意,愛家人愛自己好好計畫保障吧!

如果有任何問題歡迎隨時聯絡我!

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