The government-designed voluntary health and fitness insurance policy approach has some very good security functions: guaranteed renewal to 100 several years previous, insurance coverage age as many as eighty yrs outdated, worldwide coverage, low-priced and clear, and the insurance policy coverage includes day surgical procedures for instance day speculum, etc., which can be unique from those that you can buy vhis. When compared with less professional medical insurance plan merchandise, there is certainly a particular degree of competitiveness. A different bonus point is the fact under the preferential tax policy, there may be a tax deduction of HK$8,000 for every human being who insured for voluntary professional medical insurance policies per individual for each 12 months, which can be calculated at a tax charge of 15%, and that is equivalent to a 15% discount on insurance plan rates (commercial healthcare insurance just isn't tax deductible) ), can help you save a little bit is usually a minimal.
Who can get voluntary well being insurance? The Voluntary Health-related Insurance policy Scheme can be a professional medical insurance policies solution the Hong Kong government withdraws to ease the force on the Hong Kong community health-related technique, mainly for good friends who dwell and reside in Hong Kong. No matter if it can be Hong Kong, kids born in Hong Kong, or elderly folks who come to become adopted, as long as they may have a Hong Kong ID card and they are youthful than eighty several years previous, they will buy it. When coming up with the standard terms from the voluntary health-related insurance plan plan, the Hong Kong govt has obviously essential that all the protections during the normal program are globally relevant, and there are no limits within the selection of health-related services vendors, that is certainly, insurance policy firms are not able to set specified clinic restrictions on compensation 自願醫保.
In exercise, mainly because the government uniformly regulates the typical terms of voluntary overall health insurance coverage, Hong Kong insurance plan companies are not able to designate hospitals and cannot prevent the risk of fraud that may take place in modest hospitals while in the Mainland for black birth. Consequently, most companies voluntary overall health insurance coverage ideas quickly Not open to mainland people. Commonly speaking, for that health care coverage bought by mainland inhabitants in Hong Kong, the insurance policy firm in Hong Kong will stipulate the compensation clinic must become a medical center using a prime 3 or over during the mainland 醫療保險.
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