自願醫保推行首年保單達52.2萬張 97%人購買靈活計劃
港府指,自願醫保計劃自去年4月起全面推行,以提升住院保險產品的保障水平。自願醫保推行首年(截至今年3月31日),認可產品的保單已達52.2萬張。
食物及衛生局發言人今日(11日)表示,根據獨立顧問在自願醫保推出前的估算,在計劃推出的首兩年購買認可產品的人數約100萬。現時的保單數字反映計劃正穩步邁向目標。
截至今年7月底,由食物及衛生局批出並已推出市場的認可產品共有67款,包括30款標準計劃及37款靈活計劃,合共提供257種方案讓消費者選擇。在自願醫保推行首年,96%的保單申請獲成功接納。
在52.2萬名保單受保人當中,大部分(97%)購買靈活計劃,其餘則購買標準計劃。逾半(54%)受保人為40歲以下;超過三分之一(34%)受保人為30歲以下。
根據計劃推行首九個月的數據,大部分(96%)的保險索償個案均可成功索償,其中超過三分之一(34%)的個案獲全額償付;多於三分之二(67%)個案的償付比率達90%或以上;而償付比率達80%或以上的個案亦佔約八成。
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