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如何在2013年選擇最理想的醫療保險

Categories:Health Insurance, Healthcare, Hong Kong, Medical Insurance |Published on May 20, 2013

2013年終於在一片興高采烈的歡呼聲中正式開始,打工仔亦是時候選擇適當的醫療保險,確保自己的健康得到周全的保障。

很多人也不清楚如何選擇符合他們需要的醫療保險,最後往往會選擇延續他們已有的醫療保險,而忽略了醫療保險的保障範圍每年也會改變。為了避免不必要的損失,受保人應該在續保前,了解清楚有關保障範圍的內容。以下的建議將有助你在2013年選擇最適當的醫療保險。

1. 分析你的需要:

紀錄您過去一年所接受的醫療服務,分析你看醫生的次數和接受多少處方藥物,詳細計算所有與醫療保險有關的費用,包括免賠額和自付額,就可以得出您的醫療成本,以此作為基礎計劃你下年的醫療計劃。受保人應該了解各醫療保險計劃的保障範圍,再合理地比較它們的優點和缺點。受保人亦不必擔心無法計算這些數字,因為越來越多的雇主和保險公司會替他們計算醫療開支,從而作出明智的選擇。

2. 做好最壞的打算:

除了徹底分析您來年的醫療開支外,你需要預計假如發生嚴重的意外,你的計劃可為你提供多大的保障,因為無論任何人目前的健康狀況多好,日後都可能會患上嚴重的疾病。關鍵就是要知道在最壞的情況下,你的醫療保險計劃能否為你提供所需的照顧。

3. 療程是否受保?

不要忘記要確認治療您的醫生屬於醫療保險網絡的一員,否則您可能要切換醫生或支付額外的費用,以得到醫療保險的保障。

你亦需要就你服用的藥物作同樣的安排,一定要了解每個療程的處方,確保你服用的藥物在承保藥物清單之內。假如你的藥物不受保障,你應該與你的醫生商量,會否有另一種受保的藥物可以治癒你。

4. 選擇最好的醫療保險:

越來越多雇主根據員工的表現而提供更優惠的醫療保險,成績越好的員工可享更廣泛的保障範圍和保障額。越來越多雇主亦在財政上鼓勵員工接受有優良服務紀錄的醫生,醫院和藥物,選擇這類醫療保險的員工可享保費優惠。

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