{"id":930,"date":"2022-05-13T11:44:02","date_gmt":"2022-05-13T03:44:02","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=930"},"modified":"2024-07-03T17:04:36","modified_gmt":"2024-07-03T09:04:36","slug":"what-is-a-medical-insurance","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/health-care\/medical-insurance\/what-is-a-medical-insurance\/","title":{"rendered":"What is a medical insurance?"},"content":{"rendered":"

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Medical insurance is insurance for individuals against the risk of incurring medical expenses. A medical insurance policy is, in essence, a written contract between an insurance company and an individual which insures against the risk of incurring the cost of medical treatment for illnesses or accidents. However, not all medical services and expenses are covered. Usually, there are coverage limits and exemption clauses in the policy.<\/p>\n

Some medical insurance policiespay for medical expenses only up to a certain limit. The insured individuals are generally responsible for paying the full cost of non-covered medical services and expenses out of their own pockets. The policy should explain what is covered for a medical service, and how the indemnity amount and excess are determined.<\/p>\n

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Medical insurance is insurance for individuals against the risk of incurring medical expenses. 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