男
年齡 : 35
普通房
受保地區 : 任何
自付費 : 0 - 0
首年保費 : 0 - 50,000 +
平均年保費 : 0 - 50,000 +
保險公司
計劃種類 :
![保柏](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bupa_logo_b21f0107b3.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![AXA 安盛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/AXA_logo_21b519b8f2.png)
![宏利](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Manulife_logo_1449597a78.png)
![信諾環球](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Cigna_logo_feeadacdb3.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![Sun Life 永明](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_Sun_Life_logo_new2023_b0ccadbe5f.png)
![周大福人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FT_Life_logo_954f536d7e.png)
![保泰人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bowtie_logo_0f81ee39c8.png)
![滙豐保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/HSBCL_logo_f785c40f73.png)
![保柏](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bupa_logo_b21f0107b3.png)
![保柏](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bupa_logo_b21f0107b3.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![藍十字保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Blue_Cross_logo_2e5f49f4a8.png)
![AXA 安盛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/AXA_logo_21b519b8f2.png)
![宏利](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Manulife_logo_1449597a78.png)
![信諾環球](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Cigna_logo_feeadacdb3.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![富衛](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FWD_logo_694230ea93.png)
![Sun Life 永明](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Insurer_Sun_Life_logo_new2023_b0ccadbe5f.png)
![周大福人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/FT_Life_logo_954f536d7e.png)
![保泰人壽](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bowtie_logo_0f81ee39c8.png)
![滙豐保險](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/HSBCL_logo_f785c40f73.png)
![保柏](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Bupa_logo_b21f0107b3.png)
![tutorial-renewal.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_renewal_ffce3fb7f6.png)
![tutorial-tax-deductible.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_tax_deductible_0595e9f97c.png)
![tutorial-govt-certified.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_govt_certified_cd8339392e.png)
![tutorial-coverage.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_coverage_7d48b43ea8.png)
![tutorial-known-diseases.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_known_diseases_a5968574a4.png)
![tutorial-vhis-100x100.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_vhis_100x100_ea1df32da6.png)
![tutorial-medical-100x100.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_medical_100x100_6cda8b5dfa.png)
保證續保
![Group 11795.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Group_11795_ff5ccd9a33.png)
未知已有疾病
![](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/20240813_Decoder_Badge_1_91bb272658.png)
訂明診斷成像檢測
![Group 10798.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/Group_10798_d18b53daae.png)
![tutorial-kids-icon.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/tutorial_kids_icon_dfe2838f01.png)
![home-lifestage-single.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/home_lifestage_single_d19835656d.png)
![home-lifestage-family.png](https://10life-strapi-media-library-prod.s3.ap-southeast-1.amazonaws.com/home_lifestage_family_3cd860a275.png)
自願醫保標準計劃產品的條款及保障,按政府規定的最低要求而定,各間保險公司的標準計劃條款及保障非常相似。「靈活計劃」則是在標準計劃的基本保障上,再進一步將保障升級,例如提升細項的賠償上限,或加入額外醫療保障,或全數賠償多個保障項目等。
自願醫保保費可申請免稅額,扣稅額上限為每份保單8,000港元。按保費與邊際稅率計算,每份保單最多可節省稅款1,360港元。
根據10Life數據,自願醫保預計平均保障率差異大,部份標準計劃僅36.9%,部份靈活計劃則達到100%,投保前宜細心選擇。
自願醫保是醫療保險的其中一種,須符合政府定立的最低要求,而保單持有人可享扣稅優惠;醫療保險則通常涵蓋廣泛,包括住院、手術、藥物等各種醫療服務,但也有一定的限制,如個人自付額或賠償上限。
這根據不同保險公司及情況而定。某些保險公司可讓客戶在下一次保單續保時,選擇直接將現有保單續保至認可產品(即同一產品加入自願醫保計劃的保障特點);若保險公司提供選擇轉移至另一個認可產品,受保人或需要重新核保及披露最新的健康狀況。詳情可向個別的保險公司查詢。
可以,因購買自願醫保認可產品是屬於自願性質,這並不會影響您使用公立醫院服務的權利。