{"id":15357,"date":"2025-08-11T07:45:43","date_gmt":"2025-08-11T07:45:43","guid":{"rendered":"https:\/\/www.accuramedical.hk\/?p=15357"},"modified":"2026-06-08T17:22:33","modified_gmt":"2026-06-08T09:22:33","slug":"9-common-restrictions-on-health-insurance-guarantee-full-coverage","status":"publish","type":"post","link":"https:\/\/www.accuramedical.hk\/hk\/9-common-restrictions-on-health-insurance-guarantee-full-coverage\/","title":{"rendered":"\u3010\u81ea\u9858\u91ab\u4fdd\u3011\u8cb7\u91ab\u7642\u4fdd\u96aa\u771f\u7684\u53ef\u7372\u5168\u6578\u8ce0\u511f\uff1f\u5148\u7559\u610f9\u9805\u91ab\u4fdd\u8a08\u5283\u5e38\u898b\u9650\u5236\u548c\u7d30\u7bc0"},"content":{"rendered":"\n<div class=\"wp-block-group has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div class=\"wp-block-ht-block-toc is-style-contrasted htoc htoc--position-wide toc-list-style-bulleted\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span 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(\u5165\u9580)<\/a><\/div><\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-\">\u5c0f\u7de8\u53c3\u8003\u5e7e\u500b\u8f03\u71b1\u9580\u6a19\u660e\u6709\u5168\u6578\u8ce0\u511f\u7684\u91ab\u7642\u8a08\u5283\uff0c\u5217\u51fa\u7576\u4e2d\u5e38\u898b\u7684\u9650\u5236\u548c\u7d30\u7bc0\uff0c\u5982\u4f55\u907f\u96f7\u3002<\/p>\n\n\n\n<h2 id=\"htoc-1\" class=\"wp-block-heading\">\u91ab\u7642\u4fdd\u96aa\u300c\u5168\u6578\u8ce0\u511f\u300d\u662f\u6307\u4ec0\u9ebc\uff1f<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-ceo\">\u9996\u5148\u9700\u8981\u7406\u89e3\u4f55\u70ba\u91ab\u7642\u4fdd\u55ae\u6240\u6307\u7684\u300c\u5168\u6578\u8ce0\u511f\u300d\u3002\u300c\u5168\u6578\u8ce0\u511f\u300d\u591a\u898b\u65bc\u4fdd\u8cbb\u8f03\u9ad8\u7684\u9ad8\u7aef\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\uff08\u4fd7\u7a31CEO\u91ab\u7642\u4fdd\u96aa\uff09\uff0c\u6b64\u985e\u91ab\u4fdd\u4e00\u822c\u4ee5\u80fd\u63d0\u4f9b\u8f03\u9ad8\u984d\u5ea6\u7684\u91ab\u7642\u4fdd\u969c\u4f5c\u62db\u5fa0\u3002<\/p>\n\n\n\n<p class=\"has-link-color wp-elements-1 wp-block-paragraph\" id=\"htoc-bupa-bupa-hero-bupa-bupa-08-2025\">\u4ee5\u5927\u578b\u4fdd\u96aa\u516c\u53f8Bupa\u4fdd\u67cf\u4fdd\u96aa\u70ba\u4f8b\uff0c\u63a8\u51fa\u4e86\u540d\u70ba\u300c<a href=\"https:\/\/www.bupa.com.hk\/tc\/medical-insurance\/hero\/\">Bupa Hero\u975e\u51e1\u81ea\u9858\u91ab\u4fdd<\/a>\u300d\u8a08\u5283\uff0c\u5168\u6578\u8ce0\u511f\u4ee5\u6bcf\u5e74\u9650\u984d\u70ba\u9650\uff0c\u4ea6\u9069\u7528\u65bc\u764c\u75c7\u6cbb\u7642\u8ce0\u511f\u3002\u64daBupa\u5b98\u7db2\u6240\u793a\u300c\u5982\u78ba\u8a3a\u764c\u75c7\uff0cBupa\u6703\u8c41\u514d\u64d4\u4fdd\u4eba\u6240\u9078\u7684\u81ea\u4ed8\u8cbb\uff08\u5982\u6709\uff09\u3002\u8a02\u660e\u975e\u624b\u8853\u764c\u75c7\u6cbb\u7642\uff0c\u5982\u5316\u7642\u3001\u6a19\u9776\u6cbb\u7642\u3001\u514d\u75ab\u6cbb\u7642\u7b49\u5747\u53ef\u7372\u5168\u6578\u8ce0\u511f\u81f3\u6bcf\u5e74\u4fdd\u969c\u9650\u984d\u300d\uff08\u8cc7\u6599\u622a\u81f308\/2025\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"684\" height=\"348\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image.png\" alt=\"\" class=\"wp-image-15361\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image.png 684w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-18x9.png 18w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-600x305.png 600w\" sizes=\"auto, (max-width: 684px) 100vw, 684px\" \/><figcaption class=\"wp-element-caption\">Bupa\u5b98\u7db2\u622a\u5716<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p class=\"has-link-color wp-elements-2 wp-block-paragraph\" id=\"htoc-bowtie-bowtie-pink-08-2025\">\u81f3\u65bc\u53e6\u4e00\u9593\u5927\u578b\u4fdd\u96aa\u516c\u53f8\u4fdd\u6cf0\u4eba\u58fdBowtie<a href=\"https:\/\/www.bowtie.com.hk\/zh\/insurance\/vhis\/bowtie-pink\">\u300cBowtie Pink \u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d<\/a>\u70ba\u4f8b\uff0c\u6839\u64da\u7db2\u7ad9\u5217\u51fa\u7684\u689d\u6b3e\uff0c\u300c\u4e0d\u8a2d\u9805\u76ee\u8ce0\u511f\u4e0a\u9650\uff0c\u5168\u6578\u8ce0\u511f\u8a3a\u65b7\u3001\u4f4f\u9662\u3001\u624b\u8853\u53ca\u8a02\u660e\u975e\u624b\u8853\u764c\u75c7\u6cbb\u7642\u7b49\u5408\u8cc7\u683c\u91ab\u7642\u958b\u652f\uff0c\u5f9e\u6b64\u6bcb\u9808\u64d4\u5fc3\u8ce0\u5514\u8db3\uff01\u300d\uff08\u8cc7\u6599\u622a\u81f308\/2025\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"438\" height=\"392\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-1.png\" alt=\"\" class=\"wp-image-15363\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-1.png 438w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-1-13x12.png 13w\" sizes=\"auto, (max-width: 438px) 100vw, 438px\" \/><figcaption class=\"wp-element-caption\">Bowtie\u5b98\u7db2\u622a\u5716<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p class=\"has-link-color wp-elements-3 wp-block-paragraph\" id=\"htoc-aia-08-2025\">\u800c\u53cb\u90a6\u4fdd\u96aa\uff08AIA\uff09\u516c\u53f8\u7684\u300c<a href=\"https:\/\/www.aia.com.hk\/zh-hk\/products\/health\/vhis-privilege-ultra\">\u81ea\u9858\u91ab\u4fdd\u5c0a\u8000\u8a08\u5283<\/a>\u300d\uff0c\u64da\u5b98\u65b9\u8cc7\u6599\u6307\u300c\u6b64\u8a08\u5283\u5168\u6578\u8ce0\u511f\u4e3b\u8981\u91ab\u7642\u958b\u652f\uff0c\u4e0d\u8a2d\u5206\u9805\u8ce0\u511f\u9650\u984d\u3001\u6839\u64da\u4f4f\u9662\u5730\u5340\u4eab\u534a\u79c1\u5bb6\u623f\u6216\u6a19\u6e96\u79c1\u5bb6\u623f\u7d1a\u5225\u4f4f\u9662\u4fdd\u969c\u3001\u5168\u6578\u8ce0\u511f\u8a02\u660e\u975e\u624b\u8853\u764c\u75c7\u6cbb\u7642\uff0c\u4e26\u63d0\u4f9b\u7b2c\u4e09\u671f\u53ca\u7b2c\u56db\u671f\u6307\u5b9a\u764c\u75c7\u53ca\u7121\u6cd5\u6cbb\u7652\u7684\u8840\u6db2\u7cfb\u7d71\u60e1\u6027\u816b\u7624\u4e4b\u7b2c\u4e09\u671f\u81e8\u5e8a\u8a66\u9a57\u85e5\u7269\u8ce0\u511f\u548c\u4eba\u751f\u968e\u6bb5\u6aa2\u67e5\u4fdd\u969c\u300d\u7576\u4e2d\u7684\u5168\u6578\u8ce0\u511f\u662f\u6307\u300c\u7d22\u511f\u91d1\u984d\u53d7\u9650\u65bc\u4fdd\u55ae\u7684\u6bcf\u5e74\u4fdd\u969c\u9650\u984d\u53ca\u7d42\u8eab\u4fdd\u969c\u9650\u984d\uff0c\u5168\u6578\u8ce0\u511f\u662f\u6307\u4e0d\u8a2d\u5206\u9805\u8ce0\u511f\u9650\u984d\u300d\uff08\u8cc7\u6599\u622a\u81f308\/2025\uff09\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"466\" height=\"586\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-2.png\" alt=\"\" class=\"wp-image-15366\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-2.png 466w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-2-10x12.png 10w\" sizes=\"auto, (max-width: 466px) 100vw, 466px\" \/><figcaption class=\"wp-element-caption\">\u5b98\u7db2\u622a\u5716<\/figcaption><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-cigna-3-000-08-2025\">\u800c\u4fe1\u8afe\u74b0\u7403\uff08Cigna\uff09\u63a8\u51fa\u7684\u300c<a href=\"https:\/\/www.cigna.com.hk\/iwov-resources\/docs\/zh-hant\/partners\/Cigna-CX-VHIS-FP-Brochure_tc.pdf\">\u4fe1\u8afe\u81ea\u9858\u91ab\u4fdd\u9748\u6d3b\u8a08\u5283\uff08\u512a\u8d8a\uff09<\/a>\u300d\uff0c\u6a19\u660e\u4e0d\u8a2d\u7d42\u8eab\u6700\u9ad8\u8ce0\u511f\u984d\u3002\u8a08\u5283\u8a2d\u6bcf\u5e74\u6e2f\u5e63$3,000\u842c\u4fdd\u969c\uff0c\u4ee5\u6bcf\u5e74\u4fdd\u969c\u9650\u984d\u70ba\u9650\uff0c \u5168\u6578\u8ce0\u511f\u4f4f\u9662\u3001\u624b\u8853\u3001\u764c\u75c7\u3001\u7cbe\u795e\u79d1\u6cbb\u7642\u7b49\u591a\u9805\u958b\u652f\u3002\uff08\u8cc7\u6599\u622a\u81f308\/2025\uff09<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"434\" height=\"486\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-3.png\" alt=\"\" class=\"wp-image-15368\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-3.png 434w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/image-3-11x12.png 11w\" sizes=\"auto, (max-width: 434px) 100vw, 434px\" \/><figcaption class=\"wp-element-caption\">\u4fe1\u8afe\u74b0\u7403Facebook\u5ee3\u544a<\/figcaption><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11111111111\"><\/p>\n\n\n\n<div class=\"wp-block-essential-blocks-button  root-eb-button-qzj4z\"><div class=\"eb-parent-wrapper eb-parent-eb-button-qzj4z \"><div class=\"eb-button-wrapper eb-button-alignment eb-button-qzj4z\"><div class=\"eb-button\"><a class=\"eb-button-anchor\" href=\"https:\/\/www.accuramedical.hk\/hk\/understanding-vhis\/\" rel=\"noopener\">\u5ef6\u4f38\u95b1\u8b80\uff1a\u3010\u81ea\u9858\u91ab\u4fdd\u3011\u56db\u9805\u7279\u8272 \u6a19\u6e96 Vs \u9748\u6d3b\u8a08\u5283\u5927\u4e0d\u540c<\/a><\/div><\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-111111111111\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11\">\u4ee5\u4e0a\u9019\u4e9b\u91ab\u4fdd\u8a08\u5283\u5c0d\u5e0c\u671b\u5c0b\u6c42\u79c1\u71df\u91ab\u7642\u670d\u52d9\uff0c\u4e26\u64c1\u6709\u8db3\u5920\u91ab\u7642\u4fdd\u969c\u7684\u4eba\u58eb\u751a\u5177\u5438\u5f15\u529b\uff0c\u4e0d\u904e\u5c0f\u7de8\u767c\u73fe\u6709\u90e8\u5206\u7d30\u7bc0\u9700\u8981\u7559\u610f\u3002<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><a href=\"https:\/\/www.evishealth.com\/\"><img loading=\"lazy\" decoding=\"async\" width=\"1280\" height=\"400\" src=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-1280x400.gif\" alt=\"\" class=\"wp-image-16352\" srcset=\"https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-1280x400.gif 1280w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-1024x320.gif 1024w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-768x240.gif 768w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-1536x480.gif 1536w, https:\/\/www.accuramedical.hk\/wp-content\/uploads\/2025\/08\/ViataHEART-new-ver-1-1-18x6.gif 18w\" sizes=\"auto, (max-width: 1280px) 100vw, 1280px\" \/><\/a><\/figure>\n\n\n\n<h2 id=\"htoc-9\" class=\"wp-block-heading\"><strong>\u7559\u610f9\u9805\u91ab\u4fdd\u8a08\u5283\u5e38\u898b\u9650\u5236\u548c\u7d30\u7bc0<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-111\">\u985e\u4f3c\u7684\u91ab\u4fdd\u8a08\u5283\u5373\u4f7f\u6a19\u660e\u300c\u5168\u6578\u8ce0\u511f\u300d\uff0c\u5be6\u969b\u4e0a\u5747\u8a2d\u6709\u9650\u5236\u548c\u7d30\u7bc0\u9700\u8981\u6ce8\u610f\uff0c\u5217\u51fa\u4ee5\u4e0b\u5e7e\u9805\u4f9b\u5927\u5bb6\u53c3\u8003\uff1a<\/p>\n\n\n\n<h3 id=\"htoc-1111\" class=\"wp-block-heading has-accent-color has-text-color has-link-color wp-elements-4\">\u300c\u5168\u6578\u8ce0\u511f\u300d\u4e26\u4e0d\u4ee3\u8868\u5305\u62ec\u6240\u6709\u8eab\u9ad4\u6aa2\u67e5\u548c\u6cbb\u7642\u8cbb\u7528\u3002<\/h3>\n\n\n\n<ol class=\"wp-block-list\">\n<li>\u53ea\u9650\u6307\u5b9a\u7db2\u7d61\u91ab\u751f\u6216\u91ab\u9662\uff1a\n<ul class=\"wp-block-list\">\n<li>\u6709\u4e9b\u91ab\u7642\u4fdd\u96aa\u8981\u6c42\u53d7\u4fdd\u4eba\u5fc5\u9808\u5728\u6307\u5b9a\u7684\u7db2\u7d61\u91ab\u751f\u6216\u91ab\u9662\u5c31\u8a3a\uff0c\u624d\u80fd\u7372\u5f97\u5168\u6578\u8ce0\u511f\u3002\u5982\u679c\u9078\u64c7\u975e\u7db2\u7d61\u91ab\u751f\u6216\u91ab\u9662\uff0c\u53ef\u80fd\u53ea\u80fd\u7372\u5f97\u90e8\u5206\u8ce0\u511f\uff0c\u751a\u81f3\u7121\u6cd5\u7372\u5f97\u8ce0\u511f\uff0c\u4f8b\u5982\u6839\u64da\u7db2\u7ad9\u8cc7\u6599\uff0cBowtie\u4e4b\u5168\u6578\u8ce0\u511f\u91ab\u4fdd\u50c5\u9069\u7528\u65bc\u6e2f\u6021\/\u4e2d\u5927\u91ab\u9662\u6307\u5b9a\u91ab\u7642\u5957\u9910\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u8ce0\u511f\u4e0a\u9650 (Sub-limits)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5373\u4f7f\u7e3d\u4fdd\u984d\u5f88\u9ad8\uff08\u5927\u7d04\u6bcf\u5e74$400\u842c\u81f3$4000\u842c\u4e0d\u7b49\uff09\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u91dd\u5c0d\u67d0\u4e9b\u7279\u5b9a\u9805\u76ee\u8a2d\u5b9a\u8ce0\u511f\u4e0a\u9650\u3002<\/li>\n\n\n\n<li>\u4f8b\u5b50\uff1a \u4f4f\u9662\u8cbb\u7528\u7372\u5168\u6578\u8ce0\u511f\uff0c\u4f46\u9580\u8a3a\u3001\u7269\u7406\u6cbb\u7642\u3001\u91dd\u7078\u3001\u7259\u79d1\u6cbb\u7642\u3001\u7cbe\u795e\u79d1\u6cbb\u7642\u3001\u61f7\u5b55\u76f8\u95dc\u8cbb\u7528\u7b49\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u6703\u6709\u500b\u5225\u7684\u8ce0\u511f\u4e0a\u9650\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u4e8b\u5148\u6388\u6b0a (Pre-authorization)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5c0d\u65bc\u67d0\u4e9b\u8cbb\u7528\u8f03\u9ad8\u7684\u6aa2\u67e5\u6216\u6cbb\u7642\u9805\u76ee\uff08\u4f8b\u5982\uff1a\u5916\u79d1\u624b\u8853\u3001MRI\u3001CT scan\uff09\uff0c\u6216\u8981\u6c42\u4f4f\u9662\u7d22\u511f\uff0c\u90e8\u5206\u4fdd\u96aa\u516c\u53f8\u8981\u6c42\u53d7\u4fdd\u4eba\u5fc5\u9700\u5148\u7372\u5f97\u4fdd\u96aa\u516c\u53f8\u767c\u51fa\u7684\u4e8b\u524d\u6388\u6b0a\uff08Pre-authorization\uff09\uff0c\u624d\u80fd\u7372\u5f97\u8ce0\u511f\u3002<\/li>\n\n\n\n<li>\u5982\u679c\u6c92\u6709\u4e8b\u5148\u7372\u5f97\u6388\u6b0a\uff0c\u5373\u4f7f\u7b26\u5408\u5176\u4ed6\u8ce0\u511f\u689d\u4ef6\uff0c\u4e5f\u53ef\u80fd\u7121\u6cd5\u7372\u5f97\u5168\u6578\u8ce0\u511f\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u7b49\u5019\u671f (Waiting Period)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u67d0\u4e9b\u4fdd\u969c\u9805\u76ee\u53ef\u80fd\u8a2d\u6709\u7b49\u5019\u671f\uff0c\u5728\u7b49\u5019\u671f\u5167\u7522\u751f\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u4fdd\u96aa\u516c\u53f8\u4e0d\u4e88\u8ce0\u511f\u3002<\/li>\n\n\n\n<li>\u4f8b\u5b50\uff1a \u61f7\u5b55\u76f8\u95dc\u7684\u4fdd\u969c\u3001\u67d0\u4e9b\u6162\u6027\u75be\u75c5\u7684\u4fdd\u969c\u7b49\uff0c\u901a\u5e38\u6703\u6709\u8f03\u9577\u7684\u7b49\u5019\u671f\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u4e0d\u4fdd\u4e8b\u9805 (Exclusions)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u96aa\u5408\u7d04\u4e2d\u6703\u5217\u660e\u4e00\u4e9b\u4e0d\u4fdd\u4e8b\u9805\uff0c\u5728\u9019\u4e9b\u60c5\u6cc1\u4e0b\u767c\u751f\u7684\u91ab\u7642\u8cbb\u7528\uff0c\u4fdd\u96aa\u516c\u53f8\u4e0d\u4e88\u8ce0\u511f\u3002<\/li>\n\n\n\n<li>\u5e38\u898b\u7684\u4e0d\u4fdd\u4e8b\u9805\uff1a\n<ul class=\"wp-block-list\">\n<li>\u6295\u4fdd\u524d\u5df2\u5b58\u5728\u7684\u75be\u75c5 (Pre-existing conditions)<br><\/li>\n\n\n\n<li>\u975e\u91ab\u7642\u9700\u8981\u7684\u6cbb\u7642\u3001\u85e5\u7269\u3001\u6aa2\u6e2c\u6216\u670d\u52d9\uff0c\u4f8b\u5982\u6c92\u6709\u91ab\u751f\u8f49\u4ecb\u6216\u5efa\u8b70\u7684\u8eab\u9ad4\u6aa2\u67e5<br><\/li>\n\n\n\n<li>\u975e\u6cd5\u884c\u70ba\u6216\u81ea\u6bba\u9020\u6210\u7684\u50b7\u5bb3<\/li>\n\n\n\n<li>\u5728\u4fdd\u55ae\u751f\u6548\u65e5\u524d\uff0c\u611f\u67d3\u6216\u51fa\u73fe\u4eba\u9ad4\u514d\u75ab\u529b\u7f3a\u4e4f\u75c5\u6bd2 (\u201cHIV\u201d) \u53ca\u5176\u76f8\u95dc\u7684\u50b7\u75c5<\/li>\n\n\n\n<li>\u7f8e\u5bb9\u6216\u6574\u5bb9\u7684\u624b\u8853<\/li>\n\n\n\n<li>\u77ef\u6b63\u8996\u529b\u6216\u5c48\u5149\u4e0d\u6b63\u670d\u52d9<\/li>\n\n\n\n<li>\u7259\u79d1\uff0f\u53e3\u8154\u981c\u9762\u624b\u8853\u6cbb\u7642<\/li>\n\n\n\n<li>\u8207\u7522\u79d1\u72c0\u6cc1\u3001\u7bc0\u80b2\u6216\u6062\u5fa9\u751f\u80b2\u3001\u7d50\u7d2e\u6216\u8b8a\u6027\uff0c\u4e0d\u80b2\u3001\u6027\u6a5f\u80fd\u5931\u5e38\u7684\u6cbb\u7642\u53ca\u8f14\u5c0e\u670d\u52d9<\/li>\n\n\n\n<li>\u8cfc\u8cb7\u5c6c\u8010\u7528\u54c1\u7684\u91ab\u7642\u8a2d\u5099\u53ca\u5100\u5668\u7684\u8cbb\u7528\uff0c\u4f8b\u5982\u8f2a\u6905\u3001\u547c\u5438\u9053\u58d3\u529b\u6a5f<\/li>\n\n\n\n<li>\u4e2d\u91ab<\/li>\n\n\n\n<li>\u5be6\u9a57\u6027\/ \u672a\u7d93\u8b49\u5be6\u91ab\u7642\u6210\u6548\u7684\u91ab\u7642\u6280\u8853\u6216\u6cbb\u7642\u7a0b\u5e8f\u7684\u8cbb\u7528<\/li>\n\n\n\n<li>8\u6b72\u524d\u767c\u75c5\u6216\u78ba\u8a3a\u7684\u5148\u5929\u6027\u75be\u75c5<\/li>\n\n\n\n<li>\u5df2\u7372\u4efb\u4f55\u6cd5\u5f8b\/ \u653f\u5e9c\/ \u50f1\u4e3b\u6216\u5176\u4ed6\u91ab\u7642\/ \u4fdd\u96aa\u8a08\u5283\u8ce0\u511f\u7684\u5408\u8cc7\u683c\u8cbb\u7528<\/li>\n\n\n\n<li>\u6230\u722d\u6216\u6050\u6016\u4e3b\u7fa9\u884c\u70ba\u62db\u81f4\u7684\u6cbb\u7642\u8cbb\u7528<br><br><\/li>\n<\/ul>\n<\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u5fc5\u8981\u6027 (Medically Necessary)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u96aa\u516c\u53f8\u901a\u5e38\u53ea\u6703\u8ce0\u511f\u300c\u91ab\u7642\u4e0a\u5fc5\u8981\u300d\u7684\u6aa2\u67e5\u548c\u6cbb\u7642\uff0c\u4f8b\u5982\u53d7\u4fdd\u4eba\u56e0\u70ba\u8179\u75db\u4e0d\u9069\u800c\u81ea\u884c\u5b89\u6392\u5927\u8178\u93e1\u6aa2\u67e5\uff0c\u6709\u6a5f\u6703\u56e0\u6c92\u6709\u91ab\u751f\u8f49\u4ecb\u6216\u5efa\u8b70\uff0c\u6b64\u9805\u6aa2\u67e5\u6216\u6703\u88ab\u8996\u4f5c\u300c\u975e\u91ab\u7642\u6240\u9700\u300d\u800c\u9032\u884c\u7684\u6aa2\u67e5\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u5408\u7406\u53ca\u6163\u5e38\u6536\u8cbb (Reasonable and Customary Charges)\uff1a\n<ul class=\"wp-block-list\">\n<li>\u4fdd\u96aa\u516c\u53f8\u6703\u6839\u64da\u5e02\u5834\u884c\u60c5\uff0c\u8a2d\u5b9a\u4e00\u500b\u300c\u5408\u7406\u53ca\u6163\u5e38\u6536\u8cbb\u300d\u7684\u6a19\u6e96\uff08\u4f8b\u5982\u76f8\u540c\u6027\u5225\u53ca\u76f8\u8fd1\u5e74\u9f61\uff09\u3002<\/li>\n\n\n\n<li>\u5982\u679c\u7d22\u511f\u7684\u91ab\u7642\u8cbb\u7528\u8d85\u904e\u9019\u500b\u6a19\u6e96\uff0c\u4fdd\u96aa\u516c\u53f8\u53ef\u80fd\u53ea\u6703\u6309\u7167\u6a19\u6e96\u8ce0\u511f\uff0c\u8d85\u51fa\u7684\u8cbb\u7528\u9700\u8981\u53d7\u4fdd\u4eba\u81ea\u884c\u627f\u64d4\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u81ea\u4ed8\u984d (Excess \u6216 Deductible) \u548c\u5171\u540c\u4fdd\u96aa\uff08Co-insurance\uff09\uff1a\n<ul class=\"wp-block-list\">\n<li>\u5373\u4f7f\u662f\u300c\u5168\u6578\u8ce0\u511f\u300d\u7684\u4fdd\u96aa\uff0c\u4e5f\u53ef\u80fd\u8a2d\u6709\u81ea\u4ed8\u984d (Excess \u6216 Deductible) \u6216\u5171\u540c\u4fdd\u96aa\uff08Co-insurance\uff09\u3002<\/li>\n\n\n\n<li>\u81ea\u4ed8\u984d\uff1a \u6307\u6bcf\u6b21\u5c31\u91ab\u9700\u8981\u81ea\u884c\u652f\u4ed8\u7684\u56fa\u5b9a\u91d1\u984d\u3002<\/li>\n\n\n\n<li>\u5171\u540c\u4fdd\u96aa\uff1a \u6307\u8d85\u904e\u81ea\u4ed8\u984d\u5f8c\uff0c\u9700\u8981\u8207\u4fdd\u96aa\u516c\u53f8\u5171\u540c\u5206\u6524\u7684\u6bd4\u4f8b\u3002<br><br><\/li>\n<\/ul>\n<\/li>\n\n\n\n<li>\u7d22\u511f\u9650\u671f\n<ul class=\"wp-block-list\">\n<li>\u7559\u610f\u91ab\u7642\u8a08\u5283\u7684\u7d22\u511f\u9650\u671f\uff0c\u4e00\u822c\u9650\u671f\u70ba\u53d7\u4fdd\u4eba\u51fa\u9662\u6216\u624b\u8853\u5b8c\u6210\u5f8c30\u81f390\u65e5\u5167\uff0c\u7531\u4fdd\u55ae\u6301\u6709\u4eba\u5411\u4fdd\u96aa\u516c\u53f8\u63d0\u51fa\u7d22\u511f\u3002\u903e\u671f\u7533\u8acb\u7d22\u511f\u7684\u8a71\uff0c\u4fdd\u96aa\u516c\u53f8\u6709\u6b0a\u62d2\u7d55\u8655\u7406\u3002<br><\/li>\n<\/ul>\n<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11111\">\u56e0\u6b64\u8cfc\u8cb7\u6a19\u699c\u300c\u5168\u6578\u8ce0\u511f\u300d\u7684\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\u524d\uff0c\u5b9c\u5148\u4e86\u89e3\u6e05\u695a\u6bcf\u4efd\u4fdd\u55ae\u7684\u9650\u5236\u548c\u7d30\u7bc0\uff0c\u4ee5\u514d\u7e73\u4ed8\u9ad8\u984d\u7684\u4fdd\u8cbb\u5f8c\uff0c\u65e5\u5f8c\u9700\u8981\u7d22\u511f\u6642\u56e0\u689d\u6b3e\u6240\u9650\u800c\u5f71\u97ff\u8ce0\u511f\u91d1\u984d\uff0c\u751a\u81f3\u4e0d\u7372\u53d7\u7406\uff0c\u4ee5\u81f4\u5927\u5931\u9810\u7b97\u3002<\/p>\n\n\n\n<h2 id=\"htoc-111111\" class=\"wp-block-heading\"><strong>\u667a\u9078\u8eab\u9ad4\u6aa2\u67e5\u6e1b\u91ab\u7642\u8cc7\u51fa<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-200-000-2024-hk-219-998-5-10\">\u9664\u4e86\u8cfc\u8cb7\u4fdd\u969c\u8f03\u5168\u9762\u7684\u91ab\u7642\u4fdd\u96aa\u5c0d\u6297\u901a\u8139\u5916\uff0c\u70ba\u6e1b\u7701\u672a\u4f86\u9ad8\u6602\u7684\u91ab\u7642\u652f\u51fa\uff0c\u53e6\u4e00\u500b\u91cd\u9ede\u5927\u5bb6\u7d93\u5e38\u5ffd\u7565\u7684\u662f\u5b9a\u671f\u9032\u884c\u8eab\u9ad4\u6aa2\u67e5\u3002\u9810\u9632\u52dd\u65bc\u6cbb\u7642\uff0c\u5c24\u5176\u8a31\u591a\u75be\u75c5\u5728\u65e9\u671f\u6c92\u6709\u5916\u5728\u7684\u660e\u986f\u75c7\u72c0\uff0c\u5305\u62ec\u5375\u5de2\u764c\u3001\u5927\u8178\u764c\u3002\u4ee5\u5927\u8178\u764c\u624b\u8853\u70ba\u4f8b \uff0c\u79c1\u5bb6\u91ab\u9662\u6cbb\u7642\u8cbb\u7528\u52d5\u8f12\u9054 $200,000\uff0c\uff08\u4ee52024 \u5e74\u990a\u548c\u91ab\u9662\u7db2\u7ad9\u520a\u8f09\u7684\u6536\u8cbb\u6578\u64da\u70ba\u4f8b\uff0c\u4ee5\u8179\u8154\u93e1\u9032\u884c\u5927\u8178\u5207\u9664\u8853\uff0c\u4f4f\u9662\u6536\u8cbb\u70baHK$ 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id=\"htoc-40-x-mammogram\">\u53c8\u4f8b\u5982\u4e00\u76f4\u9ad8\u5c45\u5973\u6027\u5341\u5927\u764c\u75c7\u9996\u4e09\u540d\u7684\u4e73\u817a\u764c\u70ba\u4f8b\uff0c\u901a\u5e38\u5973\u58eb\u53ea\u9700\u6bcf\u5e74\u5b9a\u671f\u9032\u884c\u4e00\u6b21\u4e73\u623f\u8d85\u8072\u6ce2\u6aa2\u67e5\uff0c\u800c40\u6b72\u4ee5\u4e0a\u5973\u6027\u5b9a\u671f\u63a5\u53d7\u4e73\u623fX\u5149\u9020\u5f71\u6aa2\u67e5\uff08Mammogram\uff09\uff0c\u53ef\u6709\u6548\u7be9\u67e5\u4e73\u623f\u662f\u5426\u6709\u9223\u5316\u6216\u5176\u4ed6\u7570\u5e38\u8b8a\u5316\u3002\u4e00\u65e6\u767c\u73fe\u4e73\u623f\u6709\u786c\u584a\uff0c\u53ef\u900f\u904e\u8d85\u8072\u6ce2\u6216\u5e7c\u91dd\u62bd\u53d6\u7d44\u7e54\u6aa2\u9a57\u3002\u5373\u4f7f\u8a3a\u65b7\u70ba<a>\u764c<\/a>\u524d\u75c5\u8b8a\uff0c\u4e73\u817a\u764c\u96f6\u671f\uff08\u539f\u4f4d\u764c\uff09\u7684\u5341\u5e74\u5b58\u6d3b\u7387\u4ea6\u9060\u9ad8\u65bc\u4e73\u817a\u764c\u7b2c\u4e8c\u3001\u4e09\u671f\u3002<\/p>\n\n\n\n<div 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id=\"htoc-11111111\" class=\"wp-block-heading\">\u7e3d\u7d50<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-111111111\">\u8981\u6ce8\u610f\u91ab\u7642\u4fdd\u96aa\u8a08\u5283\u6a19\u660e\u7684\u300c\u5168\u6578\u8ce0\u511f\u300d\u901a\u5e38\u6709\u689d\u4ef6\u9650\u5236\uff0c\u5be6\u969b\u4e0a\u4e26\u975e\u6240\u6709\u6aa2\u67e5\u548c\u6cbb\u7642\u8cbb\u7528\u90fd\u80fd\u4fdd\u8b49\u53ef\u7372\u5168\u984d\u8ce0\u511f\u3002\u5728\u8cfc\u8cb7\u91ab\u7642\u4fdd\u96aa\u524d\uff0c\u5efa\u8b70\u52d9\u5fc5\u4ed4\u7d30\u95b1\u8b80\u4fdd\u55ae\u689d\u6b3e\uff0c\u5411\u4fdd\u96aa\u516c\u53f8\u4e86\u89e3\u6e05\u695a\u4fdd\u969c\u7bc4\u570d\u548c\u9650\u5236\uff0c\u70ba\u500b\u4eba\u9700\u8981\u4f5c\u51fa\u660e\u667a\u7684\u9078\u64c7\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-1111111111\">\u53c3\u8003\u8cc7\u6599\uff1a<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><a href=\"https:\/\/www.bowtie.com.hk\/zh\/insurance\/vhis\/bowtie-pink\">\u300cBowtie Pink \u81ea\u9858\u91ab\u4fdd\u8a08\u5283\u300d<\/a><\/li>\n\n\n\n<li>\u53cb\u90a6AIA<a href=\"https:\/\/www.aia.com.hk\/zh-hk\/products\/health\/vhis-privilege-ultra\">\u81ea\u9858\u91ab\u4fdd\u5c0a\u8000\u8a08\u5283<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.bupa.com.hk\/tc\/medical-insurance\/hero\/\">Bupa\u4fdd\u67cf\u4fdd\u96aa<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/www.cigna.com.hk\/iwov-resources\/docs\/zh-hant\/partners\/Cigna-CX-VHIS-FP-Brochure_tc.pdf\">\u4fe1\u8afe\u81ea\u9858\u91ab\u4fdd\u9748\u6d3b\u8a08\u5283\uff08\u512a\u8d8a\uff09<\/a><\/li>\n<\/ul>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-1111111111111\">\u6240\u6709\u8cc7\u8a0a\u53ea\u4f9b\u53c3\u8003\uff0c\u4e26\u975e\u6cbb\u7642\u5efa\u8b70\uff0c\u92b3\u81f4\u91ab\u7642\u4e26\u4e0d\u627f\u64d4\u4efb\u4f55\u8cac\u4efb\u3002\u5982\u6709\u7591\u554f\uff0c\u8acb\u5411\u5c08\u696d\u91ab\u8b77\u4eba\u54e1\u67e5\u8a62\u3002<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"htoc-11111111111111\"><strong><em>\u7248\u6b0a\u6240\u6709\uff0c \u4e0d\u5f97\u7ffb\u5370\u3001\u8f49\u8f09\u3001\u7ffb\u8b6f\u6216\u4f5c\u5176\u4ed6\u7528\u9014\u3002<\/em><\/strong><\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u8fd1\u5e74\u4e0d\u5c11\u4fdd\u96aa\u516c\u96aa\u516c\u53f8\u5927\u8ce3\u5ee3\u544a\uff0c\u6a19\u699c\u300c\u5168\u6578\u8ce0\u511f\u300d 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