Moving into your 60s, you might still be working or happily planning your retirement. Either way, your body may no longer function as well as it once did, with little aches and pains popping up here and there. If not cured promptly, these ailments could worsen into severe diseases. Therefore, it is a must for both the elderly and their caretakers to get to know about degenerative diseases, and might be an option to obtain a suitable medical insurance certified by the Voluntary Health Insurance Scheme (“VHIS”) for medical protection. The following are an introduction of three common degenerative diseases in Hong Kong. Let us understand the treatment options available in Hong Kong through the hypothetical case study of Mr. Chan¹, an insured person of VHIS-certified standard plan.
Cataract
General medical cost of a private hospital (HKD) | Reimbursement amount (HKD) | |
Surgeon's fee | ||
Surgeon's fee | 17,770 | 12,500 |
Miscellaneous charges | ||
Miscellaneous charges | 7,304 | 7,304 |
Total | ||
Total | 25,004 | 19,804 |
Note: The hypothetical case study is for reference only and is only applicable to the facts of the above scenes. Each case is different and will be determined by AXA at its discretion on a case by case basis.
Prostate enlargement
Medical cost15(HKD) | Reimbursement amount (HKD) | |
Room charges (Standard room, 4 nights) | ||
Room charges (Standard room, 4 nights) | 16,450 | 3,000 |
Surgeon's fee | ||
Surgeon's fee | 29,010 | 25,000 |
Anaesthetist's fee | ||
Anaesthetist's fee | 8,510 | 8,510 |
Operating theatre charge | ||
Operating theatre charge | 28,180 | 8,750 |
Attending doctor's visit fee | ||
Attending doctor's visit fee | Included in room charges | 3,000 |
Miscellaneous charges | ||
Miscellaneous charges | Included in room charges | 14,000 |
Total | ||
Total | 82,150 | 62,260 |
Note: The hypothetical case study is for reference only and is only applicable to the facts of the above scenes. Each case is different and will be determined by AXA at its discretion on a case by case basis.
Degenerative osteoarthritis
General medical cost of a private hospital (HKD) | Reimbursement amount (HKD) | |
Room charges (Standard room, 4 nights) | ||
Room charges (Standard room, 4 nights) | 4,103 | 3,750 |
Surgeon's fee | ||
Surgeon's fee | 55,000 | 50,000 |
Anaesthetist's fee | ||
Anaesthetist's fee | 15,000 | 15,000 |
Operating theatre charge | ||
Operating theatre charge | 5,660 | 5,660 |
Attending doctor's visit fee | ||
Attending doctor's visit fee | 4,800 | 4,500 |
Miscellaneous charges | ||
Miscellaneous charges | 43,435 | 14,000 |
Total | ||
Total | 127,998 | 92,910 |
Note: The hypothetical case study is for reference only and is only applicable to the facts of the above scenes. Each case is different and will be determined by AXA at its discretion on a case by case basis.
Remarks
¹ This hypothetical case study is for reference and illustrative purposes only and may depend on a number of factors such as the actual medical conditions, treatments and procedures, and fees charged by doctors and hospitals. The actual treatment methods and expenses are determined on a case-by-case basis. If necessary, please seek independent medical advice from your attending doctor.
² Union Hospital’s health information on cataract:
https://www.union.org/new/tc_chi/health_info/health_articles_opthalmology1.htm
³ Project Concern Hong Kong’s eye health education on cataract:
http://www.projectconcern.org.hk/en/node/433
⁴ Department of Health Elderly Health Service website’s information on cataract:
https://www.elderly.gov.hk/english/common_health_problems/others/cataract.html
⁵ The government’s tips for eye care:
https://www.gov.hk/en/residents/health/healthadvice/healthcare/eyecare.htm
⁶ The Fred Hollows Foundation's information on cataract:
https://www.hollows.org/hk/%E7%9C%BC%E7%9D%9B%E5%81%A5%E5%BA%B7/%E7%99%BD%E5%85%A7%E9%9A%9C
⁷ Hospital Authority’s "Waiting Time for Cataract Surgery” (as at 31 March 2019):
https://www.ha.org.hk/visitor/ha_visitor_index.asp?Content_ID=214184&Lang=ENG&Dimension=100&Parent_ID=214172&Ver=HTML
⁸ Reimbursement percentage is for reference only and the actual amount of reimbursement depends on many factors including the type and amount of coverage that the policy provides, the fees/ medical expenses actually charged by individual hospital or healthcare service facility, etc.
⁹ Different VHIS flexi plan policies from different insurance companies may vary in terms of coverage, terms and exclusions. Customers should understand the policy details thoroughly before purchasing the product.
10 Department of Health Centre for Health Protection’s "Men's Health Line - Benign Prostatic Hyperplasia”: https://www.chp.gov.hk/en/static/80028.html
11 Department of Health Elderly Health Service website’s information on prostate hypertrophy: https://www.elderly.gov.hk/english/common_health_problems/digestive_urinary_and_sexual_problems/prostategland.html
12 Hospital Authority’s "Waiting Time for Stable New Case Booking at Specialist Out-patient Clinics” (as at 31 March 2019):
https://www.ha.org.hk/haho/ho/sopc/dw_wait_ls.pdf
13 Plasma vaporisation of prostate as a major surgical procedure (as at April 2019), P.46:
https://www.vhis.gov.hk/doc/en/information_centre/e_standard_plan_template.pdf
14 Benefit limit for major surgical procedures (as at April 2019), P.5:
https://www.vhis.gov.hk/doc/en/information_centre/e_booklet.pdf
15 Charges of Common Surgery of October 2018 to March 2019 in Union Hospital, P3: https://www.union.org/new/english/charges/files/CCSUH_eng.pdf
16 The Chinese University of Hong Kong’s "Osteoarthritis in Hong Kong Chinese - Prevalence, aetiology and prevention”:
http://www.cuhk.edu.hk/ipro/010306e.htm
17 eElderly’s introduction on degenerative osteoarthritis:
https://www.e123.hk/zh-hant/health/disease/13117
18 Hospital Authority’s "Waiting Time for Total Joint Replacement Surgery” (as of 31 March 2019):
https://www.ha.org.hk/visitor/ha_visitor_index.asp?Content_ID=221223&Lang=ENG&Dimension=100&Parent_ID=214172&Ver=HTML
Information provided in this article is for general information purposes only and is not a complete description of all terms, conditions and exclusions applicable to the relevant product or service. You are strongly recommended to refer to the offering documents or policy of the relevant product and/or terms and conditions for the relevant service for further details.
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