愛情保鮮 – 首選: “愛情保險”
Categories:Health Insurance, Healthcare, Hong Kong, Medical Insurance, News |Published on May 20, 2013
情人節晚上，鮮花，朱古力和燭光晚餐毫無疑問屬指定動作，想為摯愛花多點心思?未知你有沒有考慮過為愛侶準備一份與他/她終身健康幸福相關的禮物?在電影”非誠勿擾2”中，葛優扮演的秦奮正正為舒淇扮演的女友”笑笑”買了一份鉅額保險，在自己身故後，確保笑笑的生活無憂。今天，購買夫妻聯名共保的保險產品 (俗稱”愛情保險”) 在愛侶間已蔚然成風，不少愛侶透過”愛情保險”向對方顯示出寬容，關愛與責任。
體現”愛”的“愛情保險”
今天市場上大部份標榜”愛情”的保險產品，也屬於夫妻聯名共保產品，保障範圍以理財分紅與人壽保險為主，住院補貼、女性疾病、門診保險等為輔，由此可見“愛情保險”的保障內容與普通保險計劃相似。
鑑於不少夫妻間年齡不等，所以“愛情保險”的保費一般按個別的風險系數加上投保年齡計算，因此它的保費又比一般傳統保險計劃較便宜，而且“愛情保險”以家庭經濟支柱為投保人，所以家庭內所有的成員均可成為被保險人，並能隨著家庭成員增加而修改保障範圍。有了孩子之后，更可將孩子新增為新的受保人。
換言之，只要兩人一起合資購買一份保單，再共同支付保費，自然雙雙成為受保人，兩人同時享有受益權。現今“愛情保險”暫時僅發售給合法夫妻，不同保險公司就“愛情保險”作出的處理手法亦各有不同，保險專家建議有意投保的人仕應該事先清楚了解計劃的保障內容，確保保障範圍符合自己與愛侶實際的需要。
“愛情保險”造就”愛”
鑑於“愛情保險”實際的保障內容並不是保” “愛情”，所以保險公司已經安排妥當，假如夫妻二人不幸離異，保單非但不會被廢除，更會一分為二，根據夫妻兩人各自的年齡和健康狀況分別計算保費，為兩人繼續提供保障，確保兩人健康快樂生活。
假如丈夫/妻子準備在情人節給對方購買保險作為禮物，可以選擇為自己買上一份足額的保險，再將受益人列為自己的伴侶和孩子，這種做法亦可把對摯愛的保障落實到底。無論形式如何，“愛情保險”體現了對摯愛的另一半不離不棄的心意。在情人節收到這份堅定不移的責任感，毫無疑問比收到一百技玫瑰更加浪漫，令夫妻兩人比過去更加珍惜彼此，達到真真正正的“愛情保鮮”。
Reduced Birth Quota Considered for Non-Local Mothers
Categories:Hong Kong, Maternity, Medical Insurance, News, Uncategorized |Published on May 20, 2013
News has emerged today that the Hong Kong Hospital Authority may be considering a reduction in the number of non-local mothers able to give birth at Public hospitals in the city. Alternatively, a complete cessation in the admittance of non-resident mothers to Hong Kong public hospitals is also being considered, according to a statement from a senior Hospital Authority representative.
In recent months there has been a large amount of debate in Hong Kong regarding the ability of non-local mothers, specifically those from Mainland China, to use public maternity services at Hong Kong Public Hospitals with which to give birth. Claims have been made that this has severely affected the ability of local residents to access maternity services, and has strained the overall ability of Hong Kong’s healthcare system to deal in a surge of patients.
In order to assure local residents that they would have access to public maternity services the Hong Kong government introduced a quota in 2010 limiting the number of non-residents able to give birth in public Hospitals to 10,000. However, in 2011 the number of births in Hong Kong’s public hospitals rose above 45,000 for the first time; massively exceeding the ability of public healthcare facilities to cater for the patients.
As such, at the start of 2012 a reduced quota was imposed on non-residents wishing to use Public hospitals in Hong Kong to deliver their children; the 2012 quota for non-local births was set at 3,400 – much lower than the figure seen in 2010.
Despite the newly downgraded quota being imposed Maternity services at public hospitals are fully booked until September 2012, leading the Hospital Authority to question whether the revised quota of 3,400 births is sufficient to allow proper access to these services by Hong Kong residents.
Not included in the official hospital delivery statistics are the numbers of non-local mothers who did not pre-book a bed at a maternity facility in Hong Kong, but rather elected to rely on emergency room facilities to deliver their child. Insiders who remain cautiously critical of the decision to reduce the quota for non-resident births suggest that lowering the figure would merely see more pregnant women utilize emergency facilities to deliver their children. 1,656 births were recorded last year from mothers who delivered at public emergency room facilities.
Hospital Authority officials have deemed the quota necessary, despite widespread protestations that it is unfair to non-resident mothers, due to the need to increasing workloads being placed on Hong Kong’s doctors and the public healthcare system. Furthermore, some officials have questioned whether it would be feasible to stop pregnant non-resident mothers at Hong Kong’s borders if the quota for the year has already been reached in an effort to prevent crippling strain from overburdening the city’s emergency services.
A committee, chaired by Secretary for Food and Health, York Chow, is currently in session to discuss the plans on how to cope with increased demand for public healthcare services in the future. The non-resident birth quota and availability of public healthcare services are expected to be further discussed over the coming months.
However, it is not just Hong Kong’s public hospitals which are feeling the strain of increased patient demand. The Matilda Hospital, widely considered Hong Kong’s leading private maternity facility, is currently facing unprecedented demand from expectant mothers. Christine Lau, Deputy General Communications Manager for the Matilda, recently posted further clarification on the Matilda’s capacity on the AsiaXpat advice forum:
“We (at Matilida International Hospital) have read several threads recently discussing maternity booking arrangements at our hospital. Some ladies have mentioned a “waiting list.” We are writing to clarify that there is no waiting list, and any cancellation notification ladies received from our hospital is final. All obstetricians are aware of the number of their deliveries that we can accept and as such, ladies receiving such a notification are strongly advised to work with their doctors for alternative arrangements.”
This follows a number of confused expectant mothers receiving a cancellation notice for their booking.
Hong Kong Health Insurance has had no response to our enquiries as to whether these mothers had already paid the HK$ 20,000 non-refundable deposit for the Matilda’s maternity services.