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【自願醫保計劃】VHIS懶人包

[vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_column_text]經過多年諮詢,首批自願醫保計劃已經在在2019年4月推出市面。趁著為時未晚,DarkMoney幫助大家溫故知新,將自願醫保必須要知的重點一系列地告訴大家,讓大家在這一個月的時間自行考慮是否值得成為首批自願醫保的客戶![/vc_column_text][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column][vc_empty_space height=”18px”][vc_column_text]

什麼是自願醫保計劃?

 

​相信很多人都聽過「自願醫保」,卻沒有真正了解過。其實自願醫保(即Voluntary Health Insurance Scheme,下稱VHIS)是由政府規範保險公司要推出符合指定要求的計劃,以鼓勵更多香港人選擇在私家醫院接受醫療服務,藉此減輕公營醫療系統的壓力。VHIS會訂立一些住院保險的框架,而保險公司和消費者的參與則是自願性質。

以下幾個是VHIS的特點

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其他自願醫保相關文章

[/vc_column_text][vc_empty_space height=”18px”][vc_column_text]【自願醫保】四大重點助你睇清自願醫保的限制

【VHIS】自願醫保標準計劃比較

【VHIS】自願醫保-靈活計劃比較2019(大房連SMM)

【VHIS】自願醫保-靈活計劃比較(半私家房連SMM)

【VHIS】自願醫保-靈活計劃比較(私家房連SMM)[/vc_column_text][vc_empty_space height=”18px”][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern”][vc_column]

邊類型醫療適合自己?

E+保險比較-醫療保險我識揀,自己慢慢揀到啱!

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自願醫保計劃產品及保障範圍

 

自願醫保計劃暫時提供兩類認可產品,分別是標準計劃和靈活計劃。

  1. 標準計劃 : 按自願醫保的最低要求提供標準化的基本保障。
  2. 靈活計劃 : 為受保人士在整體上保持標準計劃的保障之前提下,提供較高的保障選項及更高保額。產品以組件式設計,並不設固定產品範本。

自願醫保的標準化基本保障包括:

  • 不論受保人士的健康狀況是否改變均保證續保至100歲
  • 不設終生保障限額
  • 保障涵蓋在投保時未知的已有病症,詳情如下:

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  • 保障涵蓋日間門診手術,包括按醫療需要進行的內窺鏡檢查
  • 保障非手術癌症治療,包括放射性治療、化療、標靶治療、免疫治療及荷爾蒙治療
  • 保障先天性疾病治療,包括8 歲後發病及確診的先天性疾病的檢測及治療
  • 保障涵蓋門診及住院形式的先進診斷掃描, 包括CT Scan、MRI及PET Scan
    * 保單持有人須支付30%墊底費
  • 保障精神科治療​

相對而言,靈活計劃將有較寬鬆的賠償限額,例如較高級別的住宿及膳食,或範圍較闊的住院保險保障,而附加保障部分所受的限制也較少,但保費當然會比標準計劃高。

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自願醫保計劃扣稅

 

VHIS的其中一大賣點就是保費支出可成為扣除額,降低應課稅入息,變相達到扣稅的效果。

在2018年,立法會通過落實自願醫保扣稅的草案,建議納稅人為自己或指明親屬購買合資格自願醫保產品,而每受保人可以申請扣稅最多8000元

扣稅額的估算方程式︰

自願醫保保費 X 稅率 = 扣稅額

例如:

你的保費是$6000,稅率是2%,可獲扣稅金額就是$120。

如果你的收入達到最高稅率17%,那可扣稅金額則是$1020。

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自願醫保計劃與普通醫保計劃有什麼分別?

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鑑於現時大部分市民擁有的醫療保險都屬於普通醫療保險,與VHIS相比下,VHIS各方面都相當吸引,部分計劃特色更是難以取替。

而相對高端醫療保險,VHIS仍然有一定程度的競爭力。但除了扣稅優惠外,其他保障內容並沒有很大程度的分別,甚至對於市民而言,部分高端醫保特色可能更為吸引,例如每年免費身體檢查、住院現金及懷孕保障等。

如想了解更多關於高端醫療保險的比較,可參考
https://www.darkmoneyhk.com/insurance-comparison/medical-insurance-comparison/香港高端醫療保險比較/

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轉保的有什麼注意事項?

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如果想由一般醫保轉到自願醫保,就必須注意重新核保問題!

而當自願醫保計劃正式推出後,市場上會出現以下情況:

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然而,不同保險公司有他們不同的規條與細則,所以我們應該在轉移計劃時,都應該要先了解保險公司「重新核保」的條款限制,以保障自身利益!

其實醫保的原意就是保障市民,避免患病時無力承擔日益沉重的醫療開支。不過大家在正式投保之前,不應只在意扣稅的效果,真正核心的價值還是應該了解保障條款是否切合自己的需要,再作合適的決定另外,在轉保時多加留意「重新核保」的問題,以免屆時因轉換計劃而蒙受損失。

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想預約專家了解更多?

[/vc_column_text][vc_empty_space height=”18px”][vc_single_image image=”18172″ img_size=”full” alignment=”center” qode_css_animation=””][vc_empty_space height=”18px”][vc_empty_space][/vc_column][/vc_row][vc_row css_animation=”” row_type=”row” use_row_as_full_screen_section=”no” type=”full_width” angled_section=”no” text_align=”left” background_image_as_pattern=”without_pattern” z_index=””][vc_column][vc_column_text]免責聲明:

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