{"id":932,"date":"2022-05-13T11:44:57","date_gmt":"2022-05-13T03:44:57","guid":{"rendered":"https:\/\/seniorclic.hk\/?p=932"},"modified":"2024-07-03T17:04:35","modified_gmt":"2024-07-03T09:04:35","slug":"different-types-of-medical-insurance","status":"publish","type":"post","link":"https:\/\/seniorclic.hk\/en\/topics\/health-care\/medical-insurance\/different-types-of-medical-insurance\/","title":{"rendered":"Different types of medical insurance"},"content":{"rendered":"

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Medical insurance policies cover the cost of medical treatment for illnesses or accidents. Medical insurance coverage is usually divided into two major categories: –<\/p>\n

    \n
  1. ‘Outpatient Benefits’ or ‘Consultation Benefits’ cover the cost of medical consultation with a general medical practitioner or specialist, laboratory treatment, long-term medication and diagnostic charges. A monetary limit is usually placed on each item, and there may also be an overall limit per year.<\/p>\n

    It is possible to purchase coverage for other types of medical expenses, such as maternity or dental costs. Some insurers also cover, on request, the cost of visits to bonesetters, acupuncturists and herbalists.<\/p>\n<\/li>\n

  2. ‘Inpatient Benefits’ or ‘Hospitalization Benefits’ cover the costs of admission to hospital, which may include room, board, surgical procedures, nursing charges, fees for anaesthetists, specialists and physicians, operating theatre charges and intensive care costs. A monetary limit is usually placed on each item, and an overall limit per year or per hospital stay may also be imposed.\n

    Fees for surgery and anaesthesia are normally reimbursed according to the complexity of treatment or alternatively, a fixed percentage for each type of treatment.<\/li>\n<\/ol>\n

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    Medical insurance policies cover the cost of medical treatment for illnesses or accidents. 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