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The maximum compensation for vaccine protection is 3 million Li Zhaobo: higher than other places but only the basic critical illness insurance

2021-02-18T08:43:42.212Z


The new crown pneumonia vaccination plan will be launched next month. The government will set up a protection fund for abnormal events after the new crown pneumonia vaccination. Legislative Council documents show that if someone dies or is injured after vaccination,


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Written by: Chen Jiahui

2021-02-18 16:33

The last update date: 2021-02-18 16:33

The new crown pneumonia vaccination plan will be launched next month. The government will set up a protection fund for abnormal events after the new crown pneumonia vaccination. Legislative Council documents show that if someone dies or is injured after vaccination, the maximum compensation can be 3 million yuan.

Li Zhaobo, a senior lecturer at the Business School of CUHK, believes that the coverage of vaccine protection plans in more places in Hong Kong is pretty good. However, the maximum compensation amount of 3 million yuan is only the "basic critical illness insurance", and the protection is hard to say.

Regarding vaccine insurance on the market, he suggested that the public read the terms carefully and pay attention to the insurance company's definition of side effects and whether it only covers certain vaccines.

▼Kexing, BioNTech/Fosun, AstraZeneca vaccine protection rate and side effects▼

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The protection plan can encourage citizens to vaccinate and look forward to more details

Li Zhaobo pointed out that the new crown vaccine is a new thing. The research and development cycle is short and the risk of use is high. The insurance company does not have relevant data to calculate the cost. Once a citizen has serious side effects, the government needs to provide protection from the bottom of the package. "The citizen can be encouraged to vaccinate."

Li Zhaobo, a senior lecturer at the Business School of CUHK, believes that the coverage of vaccine protection plans in more places in Hong Kong is pretty good. However, the maximum compensation amount of 3 million yuan is only the "basic critical illness insurance", and the protection is hard to say.

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At present, the document only mentions the maximum amount of protection, including those who are 40 years old or above who die or are seriously injured, and can receive a maximum of 2 million and 2.5 million respectively, and a maximum of 2.5 million and 3 million respectively for persons under 40; However, the details of the coverage for events of different severity are lacking.

Li Zhaobo said that I believe the government will provide details again, describing the current situation as the "9.11" incident. Only the government can provide protection. It is similar to providing the initial insurance policy first and listing the different situations first.

Comparing local compensation in many places "not bad"

In fact, many places have established vaccine protection funds, because vaccine manufacturers want to be protected in the event of claims, and the protection funds are mostly written in the purchase terms.

For example, the Macau government will compensate 1 million for deaths related to vaccination, and the Health Bureau will also be responsible for all necessary medical services for all those who have side effects due to vaccination.

The Singapore authorities will provide 10,000 Singapore dollars (approximately HK$58,000) in subsidies to people who are admitted to the intensive care unit due to vaccines, and 225,000 Singapore dollars (approximately HK$1.3 million) in compensation for severe disabilities or deaths.

Comparing vaccine protection in many places, Li Zhaobo believes that Hong Kong is "not bad" in terms of the maximum compensation amount. For example, the maximum compensation for serious vaccine injuries in the United Kingdom is only 120,000 pounds (about 1.25 million Hong Kong dollars) per person.

He also expects the government to provide more details and terms, such as the scope of medical expenses, if the vaccinators are seriously disabled and need to use a wheelchair or hire private nursing, whether the cost is included.

3 million compensation is only the "basic critical illness insurance"

But Li Zhaobo also pointed out that if someone loses the ability to work due to vaccination, such protection is not enough.

For example, he pointed out that a healthy person in his 20s can earn a total of more than 14 million in income from working until retirement at the age of 60. The government provides a maximum of 3 million insured amount, which is actually equivalent to the "basic critical illness insurance."

He continued that even though the government may provide medical services, some services may require additional charges. For example, if there is a heart problem and need to pass through, he believes that the government can provide more detailed information.

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Li Zhaobo agrees that the government is not an insurance company and will not provide different insurance coverage options. It is recommended that the public can check their existing insurance policies to see if there is sufficient protection, and they can also take this opportunity to examine their risk tolerance.

Attention to buying vaccine insurance: definition of side effects and types of vaccines

Since the epidemic, many insurance companies have introduced confirmed protection, and after the vaccine is available, some insurance companies have also introduced vaccine insurance.

Li Zhaobo reminded that consumers can read the terms of each protection plan carefully, and pay attention to the insurance company's definition of side effects, and also pay attention to whether the plan will only cover certain vaccines but not others.

01News

The reservation system will be opened next Tuesday. A total of 29 vaccination centers will be available to get Kexing vaccine as soon as next Friday.

2 million doses of vaccine will arrive in Hong Kong. 5 priority groups include medical care, the elderly and the disciplined services.

Kexing reply 01: The vaccine will be delivered to Hong Kong by Cathay Pacific flight tomorrow afternoon and stored in 6 incubators

New Crown Vaccine│The Finance Committee will discuss the abnormal event protection fund next week to pay up to 3 million casualties

New crown pneumonia new crown vaccine

Source: hk1

All news articles on 2021-02-18

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