By definition, inpatient is any treatment where a minimum of one night's stay is needed in a hospital or any other medical institution.
Usually, inpatient related medical treatments are the most costly out of any other treatments that you may received in your life time. This is particularly the case here in Hong Kong where receiving medical treatments at a medical facility is ranked second most expensive next to the USA; therefore, it is advisable to have inpatient hospital medical insurance coverage to safeguard against the costly medical fees in the region.
Items included for coverage under an inpatient medical insurance benefit will differ between insurance providers that you obtained your policy from. In general, the majority of policies from Hong Kong medical insurers will provide for coverage for all expenses related to medical treatments that involve a one night stay or more at a medical facility. Some inpatient insurance benefits under a HK Health Insurance plan may even cover outpatient treatments that you may require. We recommend that you refer to your policy to ensure this is covered under the inpatient section prior to treatment.
Typically benefits included in inpatient health coverage comprise of the following:
- Semi Private or Private Hospital Room during Surgery
- Intensive Care Rooms
- Medicines given during hospitalization (inpatient Medicine)
- Surgical, Anaesthetic, Operating room fees,
- Ambulance Transport expenses
- Diagnostic Tests e.g.X-Rays, CAT & PET scans, plus Laboratory Tests
- Surgical Appliances and Prosthetic Devices expenses
- Organ Transplants
It is important to note that the above list of benefits are usually found on the majority of inpatient medical insurance benefits under a Hong Kong medical insurance policy, but the degree of coverage offered on each item may differ dependent upon the insurance provider who supplies the plan in question.
Hospitalization will not usually be a common occurrence for most people except when the condition is serious such as cancer requiring regular medical treatment accessed primarily via a medical facility. Thus, hospitalization costs may end up being more than the premium that is paid for the inpatient medical coverage under a Hong Kong health insurance policy. This is an excellent way in protecting yourself from the expensive medical fees associated with hospital treatments.
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For a free quotation on the different inpatient coverage benefits available under a Hong Kong health insurance plan, click here. You may also contact us directly for additional information on our coverage benefits.