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隨著醫療費用不斷上漲,如何確保自己與家人的健康保障同時不影響財務穩定,成為許多人的關注重點。自願醫保(Voluntary Health Insurance Scheme, VHIS)是香港政府推出的一項醫療保險計劃,旨在為市民提供更透明和具保障的醫療保險選擇,並透過稅務優惠鼓勵市民投保。本文將探討自願醫保的核心內容、財務優勢及選擇時應注意的要點,幫助讀者更好地規劃個人醫療與財務管理。 自願醫保的主要保障 自願醫保計劃由政府規範,確保投保人能夠獲得標準化的醫療保障。不同的保險公司提供的計劃可能有所不同,但基本保障通常包括以下幾個方面: 住院費用與手術保障 投保人若因疾病或意外需入院治療, 自願醫保 將承擔醫院病房費、手術費、藥物費及醫生巡房費等住院相關開支,減輕因治療帶來的經濟負擔。 專科醫療與術後護理 部分計劃涵蓋住院前後的專科門診服務,例如術前診斷、化驗檢查、術後復康治療等,確保患者在治療前後都能獲得適當的醫療支持。 覆蓋未知的已有疾病 […]