Considering that voluntary clinical coverage is usually a preferential policy applied from the government, it is extra ideal for college kids and their households to dwell in Hong Kong, but without having essential healthcare insurance policies, not merely the value is less costly than high-end healthcare treatment, but in addition tax deductible. In case your enterprise has team health-related insurance, it's not recommended that you just obtain yet another flexible plan that requires a alternative of home sorts and no reimbursement rate, mainly because there'll be overlapping obligations when earning promises, and also the whole effect with the rates paid by us will be unable to be used vhis.
For example, I'm hospitalized once more. The clinic cost is 1,500 Hong Kong bucks on a daily basis. The company’s health-related insurance policy can declare one,000 Hong Kong bucks, and also the versatile prepare can declare one,000 Hong Kong pounds. The whole payment could be up to 2,000 Hong Kong dollars, but I am able to only report 1,500 Hong Kong dollars once i underwrite the coverage 自願醫保. To paraphrase, I paid the expense for that five hundred Hong Kong greenback quota I could not use, which wasn't specifically cost-effective. The flexible approach in the no deductible edition is fairly extra acceptable for policyholders who may have no insurance plan coverage at all.
If your staff company’s team health-related insurance coverage is pretty lower (soon after all, not every business is prepared to present staff with substantial gains), you then could also take into account the typical system, which is equivalent to upgrading the general ward delivered by the employee to the semi-private space 醫療保險. Or it might be matched by using a health care insurance merchandise having a foundation charge, to ensure the firm's health care coverage isn't squandered, and there is no overlap of responsibilities.
If the company’s team professional medical insurance is better (like the non-public space edition), you then should purchase a "high deductible" edition with less costly premiums; if the company’s team medical insurance coverage is fairly very poor (like the standard space edition), then you certainly should purchase a "low deductible" variation, that may be made use of being an successful supplement to group medical insurance plan.
Related articles recommended：
The very first insurance plan solution ordered because
How do staff in Hong Kong purchase insurance plan for their moms and dads in Hong Kong?