自愿医保推行首年保单达52.2万张 97%人购买灵活计划
港府指,自愿医保计划自去年4月起全面推行,以提升住院保险产品的保障水平。自愿医保推行首年(截至今年3月31日),认可产品的保单已达52.2万张。
食物及卫生局发言人今日(11日)表示,根据独立顾问在自愿医保推出前的估算,在计划推出的首两年购买认可产品的人数约100万。现时的保单数字反映计划正稳步迈向目标。
截至今年7月底,由食物及卫生局批出并已推出市场的认可产品共有67款,包括30款标准计划及37款灵活计划,合共提供257种方案让消费者选择。在自愿医保推行首年,96%的保单申请获成功接纳。
在52.2万名保单受保人当中,大部分(97%)购买灵活计划,其余则购买标准计划。逾半(54%)受保人为40岁以下;超过三分之一(34%)受保人为30岁以下。
根据计划推行首九个月的数据,大部分(96%)的保险索偿个案均可成功索偿,其中超过三分之一(34%)的个案获全额偿付;多於三分之二(67%)个案的偿付比率达90%或以上;而偿付比率达80%或以上的个案亦占约八成。
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