10Life:新冠輕症患者康復1個月後保險公司一般以標準條款覈保
市場關注新型冠狀病毒康復者會否被保險公司拒絕批覈保險申請。保險比較平臺10Life就此向全港20間保險公司查詢,指大部份大型保險公司表示,現時新冠病毒輕症患者康復1個月後,保險公司會以標準條款覈保,但重症患者即使康復後,亦要提升覈保條件。宏利向10Life表示,一般而言無徵狀或徵狀輕微並已完全康復的個案,投保人健康狀況良好,大部份情況下都獲標準覈保,重症患者例如曾經接受深切治療等,則將就投保人醫療紀錄以及康復情況等作個別評估再作決定。
保誠則指出,一般情況下,如主診醫生證明投保人已完全康復超過一段時間,可以接受投保申請,而所有的新冠肺炎驗測結果,均以符合政府檢測要求爲準,如沒有入院或醫療求診紀錄的個案,將視乎個別情況作考慮,如沒有需要入院治療,並在已完成自我居家隔離、無併發症及恢復正常的身體功能和活動的大前提下,而驗測結果顯示已完全康復超過1個月,可以標準保費承保。至於病毒可能出現的併發症包括呼吸衰竭、急性呼吸困難綜合症等,保誠表示,這些健康風險都是覈保時需要考慮的重要因素。
富衛保險指出,一般投保人若確診但非重症,即沒有入院接受治療或只在普通病房接受治療的案例,如就人壽、危疾或醫療保險來說,會在患者康復後約1個月便接納其投保申請,但必須視乎患者患病時的嚴重性及其投保的保險類型而再作評估,會在客戶投保前按其所提供的醫療報告作覈保評估,不過由於病毒仍有機會出現變異,相關覈保要求亦會按需要更新。
Bowtie指出,若果投保人目前是新冠患者,有關申請將會延遲,直至完全康復爲止,至於曾患輕症的康復者,若完全康復且無任何併發症,康後後1個月即可以進行標準覈保程序,若是曾患重症的康復者,包括曾進入深切治療部或出現嚴重併發症,將會以醫療角度逐個個案審視。
10Life聯合創辦人及行政總裁倫沛然表示,瞭解到新冠重症康復者,在往後投保包括自願醫保等醫療保險計劃時,大部份保險公司會作出特別評估,瞭解其臨牀表現,現時有個別保險公司在批覈保險申請時,亦會特意查問投保人新冠史,包括過去3個月有沒有對新冠病毒呈陽性反應,呼籲大衆若果有需要買醫療或其他類型保險產品,應向持牌中介人查詢保險公司最新覈保指引,避免往後出現不保事項甚至被拒保。
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