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Hong Kong Health Insurance Waiting Periods
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香港醫療保險等待期

眾多香港醫療保險計劃已引進等待期。等待期指被保險人在投保生效後的某段指定期間內,即使發生理應賠償的事件,保險公司亦不予索償,直到被保險人順利通過等待期,保險公司才會接受醫療索償。

等待期旨在防止被保險人在預知自己患病的情況下申請保險詐騙醫療費。

 

等待期如何運作?

等待期指被保險人在投保後,保單持續有效至一定時間後發生的疾病,保險公司才會受理賠償,等待期的長短取決於為你提供香港醫療保險計劃的保險公司,即使選用相同保險公司的服務,保險計劃的內容可以大有不同。

一般引進等待期的保險計劃為:

請登入以上連結了解等待期在這兩種醫療保險內的安排。

生育保險設有等待期原因在於避免孕婦借生育保險詐騙輔助生育服務的醫療費。

投保前已有的病症意指任何在香港醫療保險計劃生效前被保險人已出現症狀,已尋求或已接受治療的病症。投保前已有的病症一般被排除在香港健康保險計劃的保障範圍外。

 

香港健康保險報價

歡迎聯絡我們了解香港醫療保險計劃就等待期作出的安排,你亦可填寫首頁的表格免費索取香港醫療保險報價。

 
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