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Coverage of unknown pre-existing and congenital ailments
2020/12/11 15:22

A single big highlight with the VHIS is its coverage for unknown pre-existing and congenital illnesses vhis. Obtained an unfamiliar pre-existing situation? An mysterious pre-existing situation refers into a well being affliction, these types of as sickness, which has existed however, you are unaware of its existence when applying for insurance policy coverage. According for the stipulations, all Licensed Ideas will supply partial coverage of not known pre-existing circumstances in the 2nd and third year soon after coverage inception, at 25% and 50% respectively. Complete protection might be provided from your fourth yr onwards 醫療保險.

Congenital health conditions seek advice from sicknesses that surface or are diagnosed following 8 several years of age, subject to your identical reimbursement arrangement that relates to unknown pre-existing circumstances. Assuming that the disorder is integrated during the clauses, will probably be lined whether or not it hasnt been diagnosed at the beginning of your respective insurance policy erp.

Guaranteed renewal as much as one hundred years outdated,Hong Kong is infamous for its lengthy queue time in general public hospitals and sky-high professional medical charges. On the other hand, most health programs only accept applicants underneath 65 years of age and only 20% permits plan renewal for seniors whore 80 a long time or more mature. Individuals who managed to secure a approach are likely to notice that quite a few disorders are not protected.

VHIS delivers a straightforward alternative to this issue. Regardless of modify as part of your health affliction after plan inception, a VHIS approach makes it possible for you to definitely renew the insurance plan approximately age a hundred, provided that that you are happy with it.

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