COVID-19 not only increases our health awareness, but also leads us to re-evaluating if our current health protection is sufficient. In addition to adopting healthy living habits, it is also important to plan and choose the appropriate medical insurance products for health protection. Learn more on how to live healthier with the following 4 tips.
Developing good habits is crucial to building a strong foundation to a healthy life. Here are 5 key points suggested by HKSAR Department of Health as reference:
Exercise can help control weight, strengthen bones, muscles and joints, and help reduce the risk of developing various chronic illnesses.
Good personal hygiene can effectively prevent diseases and reduce the chance of bacterial and viral infections.
Our body is unable to get all the nutrients from one single source, which makes it important to maintain a balanced diet so that we can acquire all the required nutrients.
Adults (including the elderly) should sleep for about 7 to 8 hours a day. Sleeping less than 7 hours or poor sleep quality will increase the risk of developing various diseases such as diabetes.
Mental and spiritual health are also important parts of living a healthy life. Practicing the ideas of "sharing", "mind" and "enjoyment" may also improve mental and spiritual health.
Regular body checks may help detect early-stage illness and reduce the risk before taking a turn for the worse. However, getting a body check in Hong Kong can be quite expensive. The costs1 of getting a health checkup in private hospitals below as reference only.
Some Voluntary Health Insurance Scheme (VHIS) flexi plans in the market provide body check coverage, allowing the insured to keep track of their health condition every year. Alternatively, you can also leverage credit card promotions to conduct discounted health checks at designated clinics.
Apart from physical health, mental and spiritual health are as equally important. Metropolitans are usually under a lot of mental stress and prone to developing emotional illness, while negative emotions and stress can increase the risk of inducing other physical illness.
Unlike medical insurance products in the past, inpatient psychiatric treatments are now covered in basic VHIS Plans. Some VHIS plans even provide personalised emotional support and face-to-face counselling services, while some would provide optional clinical benefits designed to include coverage for psychiatric-related treatments and psychological counselling.
These health lifestyle tips are more of preventive measures, but illness is always unpredictable, making it important to plan ahead for protection. In case you are diagnosed with a serious illness, related insurance may help ease your financial burden caused by medical expenses and reduce psychological pressure, allowing you to concentrate on recovery.
A certified VHIS standard plan includes:
If you need more comprehensive medical insurance, you may consider the VHIS Flexi Plan with comprehensive coverage:
Apart from VHIS, there are also other types of insurance plans, such as insurance for cancer, one of the main causes of death in Hong Kong. In case the insured is diagnosed with cancer, a standard cancer insurance plan would provide a one-off lump sum to cover cancer treatment and daily expenses. Some cancer insurance plans will even allow you to share all the cancer benefits for free with your children under the age of 18.
As a general rule of thumb, the sooner you purchase a medical insurance, the better. If you try to take out a new policy with pre-existing conditions, the insurer may charge additional premium, impose exclusions, or even decline the application.
Before you purchase a medical insurance plan, it is important to first learn about the plan’s coverage levels, claim procedures, benefit limits, etc. You should also take factors like your age, health condition, and financial situation into consideration before deciding which plan would best suit your needs.
The information is provided by Hang Seng Bank Limited or its affiliates ("Hang Seng") for general information and reference only and does not constitute nor is it intended to be construed as any professional advice or recommendation. The information provided is based on sources which Hang Seng believes to be reliable but has not been independently verified. Any information provided herein are subject to changes without notice. No guarantee, representation, warranty or undertaking, express or implied, is made as to the fairness, accuracy, timeliness, completeness or correctness of any general information, projections and/or opinions ("Information") provided on this webpage and the basis upon which any such Information have been made, and no liability or responsibility is accepted by Hang Seng in relation to the use of or reliance on any such Information whatsoever provided on this webpage. Readers must make their own assessment of the relevance, accuracy and adequacy of the information provided on this webpage and make such independent research/investigations as they may consider necessary or appropriate for the purpose of such assessment. Hang Seng does not make any representation or recommendation or assessment as to whether or not any of the information mentioned herein is/are suitable or applicable to any persons and thus shall not be held responsible in this regard.