Survey Exposes Medical Insurance Gap for Hong Kong Employees; 74% Fear Retirement Costs
AM730 · 2 SOURCESabout 2 hours ago5 MIN
Summary
富衛香港（FWD）發布的最新《香港在職人士醫療保障現況調查》揭示打工仔正面對嚴峻的醫療保障缺口。71%受訪者主要依賴公司提供的團體醫療保險，但不足29%認為保障足以應付實際醫療開支，反映出明顯的保障缺口。74%受訪者對退休後獨力承擔醫療費用深感憂慮，凸顯在職人士對未來健康保障的深切焦慮。
Key Points
- Survey conducted June-July by FWD covered 1,100+ Hong Kong workers aged 25-65
- 71% of respondents primarily rely on employer-provided group medical insurance
- Only 29% believe their group coverage can cover actual medical expenses
- Merely 1 in 6 respondents purchased supplementary coverage to fill the gap
- 64% would prioritize using company group insurance when making claims
- 51% lack confidence in bearing deductibles independently if they lose group coverage
- 74% worry about bearing medical costs alone after retirement
- 74% concerned about rising premiums as they age
- 73% anxious about medical inflation driving up healthcare costs
- 68% fear complex underwriting or rejection when buying insurance at older ages
Why It Matters
The findings reveal a significant protection gap among Hong Kong's working population, with most employees vulnerable when changing jobs or retiring. Eddie Yu Pak-kin, Chief Product Solutions and Health Insurance Officer at FWD Hong Kong and Macau, noted that group medical insurance may not cover actual family medical expenses, and employees face substantial protection gaps during career transitions .
FWD has launched the "Smart Medical Insurance Solution" with "Smart Rise" and "Smart Continue" plans to address the coverage gap. The "Smart Rise" plan supplements existing group coverage during employment, while "Smart Continue" provides primary protection after leaving employment or retirement. After two policy years, "Smart Rise" holders can convert to "Smart Continue" at ages 45, 50, 55, 60, or 65 without health underwriting .
The findings reveal a significant protection gap among Hong Kong's working population, with most employees vulnerable when changing jobs or retiring. Eddie Yu Pak-kin, Chief Product Solutions and Health Insurance Officer at FWD Hong Kong and Macau, noted that group medical insurance may not cover actual family medical expenses, and employees face substantial protection gaps during career transitions .
FWD has launched the "Smart Medical Insurance Solution" with "Smart Rise" and "Smart Continue" plans to address the coverage gap. The "Smart Rise" plan supplements existing group coverage during employment, while "Smart Continue" provides primary protection after leaving employment or retirement. After two policy years, "Smart Rise" holders can convert to "Smart Continue" at ages 45, 50, 55, 60, or 65 without health underwriting .