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宏利調查:僅逾一成港人有信心負擔危疾醫療費用
阿思達克 02-27 13:54
宏利香港發表首個「大灣區健康保障度」調查顯示,大灣區消費者憂慮不斷上升的危疾醫療開支與負擔能力之間的差距越來越大,亦令不少人重新審視他們對健康管理的計劃和準備,大約三分之二的大灣區受訪者表示希望可多為危疾保障下點功夫,但卻不知道應從何著手。 調查亦指出,大灣區不同地方對於治療危疾所需的預計開支分野甚大。以癌症治療為例,內地大灣區城市的平均預計相關開支約為69.8萬元人民幣,相當於受訪者51個月的人均月入。香港受訪者預期癌症治療的開支可高達受訪者35個月的人均月入(約107萬港元)。另一方面,澳門受訪者預期癌症治療的開支只需約46.8萬澳門元,相當於他們15個月的人均月入。 儘管當中存在差別,用於治療嚴重疾病的龐大預計開支均突顯了大灣區11個城市消費者所面對的保障缺口。香港受訪者對負擔嚴重疾病所需醫療費用最為擔憂,只有八分之一(12%)的受訪者表示有信心支付相關費用,而澳門(47%)及內地大灣區城市(45%)則有近半表示有信心。香港受訪者當中對個人財務狀況有信心的主要原因包括:擁有足夠積蓄及穩定工作(兩者均為50%),擁有個人保險(43%)以及有合適的財務預算(42%)。 倘遇上醫療需要,大灣區內約有一半居民會動用應急儲蓄以支付所需;內地大灣區城市和澳門受訪者均傾向求助家人,當中44%的內地大灣區受訪者及70%的澳門受訪者期望可從配偶或家庭成員獲得財務支援,而香港這方面的比率僅為28%。
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