保誠(02378.HK):醫療費用直付理賠個案增加 推住院現金儲蓄保
保誠保險住院保障調查發現,隨着醫療開支持續上升,68%受訪者表示會主要依靠醫療或住院保險應對相關費用,65%依賴個人儲蓄,46%則選擇公共醫療作爲保障。然而,只有36%受訪者有信心透過以上方式應付突發醫療開支,隨着年齡增長,信心程度進一步下降,在51歲或以上的受訪者中,只有不足三成(29%)對此表示有信心。
即使已購買醫療保險的受訪者亦面臨不同程度的財務壓力。調查顯示,多達六成受訪者表示對持續上升的醫療保費感到憂慮;44%則憂慮若未提出索償,所繳保費將被浪費;40%表示擔心現有醫療保險未能充分涵蓋醫療開支,尤其是康複相關費用(如物理治療或中醫)。
保誠保險首席產品管理總監馮偉成表示,透過是次調查,觀察到市民在長遠醫療保障方面普遍準備不足,不少人僅擁有基本醫療保障。有見及此保誠推出全新住院現金儲蓄保險,旨在讓客戶以限期供款便能同時享有終身健康及人壽保障以及長期財富增長。
保誠首席客務營運及健康保障業務總監歐陽偑玲表示,去年全年理賠金額達67億元,醫療費用直付服務理賠個案按年升46%。而今年上半年理賠金額亦錄得按年增幅,跨境醫療理賠個案持續增長,留意到多了客戶回內地驗身、照腸胃鏡等。
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