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Written by: Customer's contribution
2021-06-16 06:00
Last update date: 2021-06-16 06:00
The so-called "raising a 100-year-old child, long worrying 99", parents want a smooth and smooth future for their children, so many parents have already planned the future for their children, hoping that they can "win at the starting line."
To win at the starting line, health becomes very important.
Children grow up and down, and a comprehensive medical insurance is essential.
A comprehensive medical insurance product is a safety net for children's growth, helping parents to take care of their children's health.
Don't worry about supporting your children's growth if you exceed the amount of medical coverage
Children's growth will inevitably stumble. If it is really that unfortunate, if you are admitted to the hospital for treatment for multiple injuries in the same policy year, it is easy to exceed the individual compensation limit of the protection item, and your parents will lose their budget.
At that time, parents had to take care of their children separately, and they had to prepare for medical expenses that exceeded the individual compensation limit of the protection item. How could they concentrate on caring for their children?
At this time, a voluntary health insurance product with "Additional Medical Protection" (SMM) that can provide additional compensation for excess costs is particularly important.
Even so, the compensation limit of some VHIS Supplementary Medical Protection (SMM) is calculated per policy year, which means that the insured may have exhausted the Supplementary Medical Protection (SMM) per policy at the time of the first injury or illness. The annual compensation limit causes the second injury and illness to not be compensated.
Therefore, if the supplementary medical benefit (SMM) compensation limit is calculated separately for each injury and illness in each policy year, even if the supplementary medical benefit (SMM) for the first injury or illness has been exhausted, if the insured person has the first injury For the second injury or illness claim, the compensation limit will be recalculated to provide the insured person with compensation for the second injury or illness.
Pay attention to the limitations of the medical network to choose the best for your children
Children with sudden illnesses and accidents must of course receive the most appropriate treatment as quickly as possible.
At this time, of course, the first choice is to see your most trusted doctor or go to the hospital of your choice for treatment.
To give parents more peace of mind, the existing supplementary medical insurance (SMM) of voluntary health insurance products can provide up to 100% compensation for the insured, and is not subject to network/non-network medical restrictions.
The insured can freely choose any medical institution or team in Hong Kong to receive treatment, and the compensation limit will not be affected by the network/non-network.
If you receive a preliminary assessment before receiving medical services, you have the opportunity to receive up to 100% compensation for eligible excess expenses!
Parents can pay more attention to this when purchasing medical insurance.
Tax and policy discounts help parents relieve financial pressure
For children to win at the starting line, of course, there must be enough silver bullets to support their future development.
At present, the premiums paid for the purchase of voluntary health insurance products for family members not only receive a premium deduction of up to HK$8,000 per insured, but some products also offer attractive discounts.
In addition to providing comprehensive protection for the children, the money saved can also be used to enroll in a few more interest classes for the children to enhance their competitiveness.
Some voluntary health insurance products have additional medical protection, so you don’t have to worry even if the medical expenses exceed the individual compensation limits of the covered items.
Manulife fully escorts with you to support your child's development
Manulife's Voluntary Medical Insurance Flexible Plan (hereinafter referred to as Manulife's Full Escort) understands what parents think and understands that medical protection is of paramount importance in the growth of their children.
Its Supplementary Medical Insurance (SMM) has also been increased in recent years, and the annual compensation limit is calculated independently for each injury or illness, giving parents more peace of mind and can concentrate on taking care of their children's healthy growth.
At the same time, the insured can freely choose any medical institution or team to receive treatment, and the compensation limit will not be affected by the network/non-network.
If you receive medical services in any medical institution in Hong Kong, as long as you get a preliminary assessment issued by Manulife before receiving medical services, you will also have a chance to get 100% compensation, so that parents can concentrate on taking care of their children's healthy growth.
If the customer has not filed a claim for at least two consecutive policy years, he can enjoy a health discount of up to 16% from the next policy year.
Hong Kong citizens are now insuring "Manulife Full Escort" for their families, and the premiums they have paid can also apply for tax deductions.
The annual premium limit for tax deduction is HK$8,000 per insured person, and there is no upper limit on the number of family members who can apply for tax deduction.
At the same time, you can also get wealth + health "select 2" discounts and discounts when you apply for designated medical care (including voluntary health insurance) / critical illness / savings plans at the same time during the promotion period. The total premium discounts for the first two years are:
-Savings plan: up to 24%
-Medical (including voluntary health insurance)/critical illness plan: up to 35%
The promotion period is limited!
If you want to choose a suitable voluntary health insurance plan for your beloved family, give them high-quality medical protection, and enjoy tax deductions and discounts, learn more now: (https://bit.ly/2RJWvTf).
*This promotional offer is available for a limited time and is subject to terms and conditions.
For details, please refer to the product/promotion leaflet on the website.
(Information and photos provided by the customer)
The above content does not contain all the terms of the policy, and the complete terms are contained in the policy document.
Please refer to the product leaflet for product details and risks.
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