FAQs
常見問題
Purpose
目的
Purpose
目的
What are the objectives of standardizing Critical Illness (CI) definitions in the Hong Kong insurance market? 香港保險市場將危疾定義標準化的目的是什麼？
What are the objectives of standardizing Critical Illness (CI) definitions in the Hong Kong insurance market? 香港保險市場將危疾定義標準化的目的是什麼？
Scope
範疇
Scope
範疇
How many CI conditions are being standardized, and what are their definitions? 有多少項危疾病況被納入標準化範疇？它們的定義是什麼？
How many CI conditions are being standardized, and what are their definitions? 有多少項危疾病況被納入標準化範疇？它們的定義是什麼？
Why are these CI conditions selected for standardization? 為什麼會選擇這些危疾病況進行標準化？
Why are these CI conditions selected for standardization? 為什麼會選擇這些危疾病況進行標準化？
Do definitions of “Activities of Daily Living” (ADL) vary among insurance companies? 各保險公司對「日常生活活動」（Activities of Daily Living, ADL）的定義是否有所不同？
Do definitions of “Activities of Daily Living” (ADL) vary among insurance companies? 各保險公司對「日常生活活動」（Activities of Daily Living, ADL）的定義是否有所不同？
Are major / minor conditions linked to ADL? 危疾／早期危疾病況是否與 ADL 有關聯？
Are major / minor conditions linked to ADL? 危疾／早期危疾病況是否與 ADL 有關聯？
Review
檢討
Review
檢討
As medical technology advances, definitions may become outdated. How will this be addressed? 隨著醫療科技進步，定義可能會變得過時。這將如何處理？
As medical technology advances, definitions may become outdated. How will this be addressed? 隨著醫療科技進步，定義可能會變得過時。這將如何處理？
Impact on Existing and Future Policies
對現有及未來保單的影響
Impact on Existing and Future Policies
對現有及未來保單的影響
I already have a CI policy (either individual policy, group policy, and rider), will the standardization affect my current coverage or benefits? 我已持有危疾保險（個人保單、團體保單或附加保障），這項標準化會影響我現有的保障或利益嗎？
I already have a CI policy (either individual policy, group policy, and rider), will the standardization affect my current coverage or benefits? 我已持有危疾保險（個人保單、團體保單或附加保障），這項標準化會影響我現有的保障或利益嗎？
Does that mean all future new products will only cover 21 CI conditions? 未來所有新產品是否只涵蓋 21 項危疾病況？
Does that mean all future new products will only cover 21 CI conditions? 未來所有新產品是否只涵蓋 21 項危疾病況？
Would new products be more expensive with the standardized definitions? 採用標準化定義後，新產品的保費會更昂貴嗎？
Would new products be more expensive with the standardized definitions? 採用標準化定義後，新產品的保費會更昂貴嗎？
If I renew or increase coverage on my existing policy, will the new definitions apply? 如果我續保或增加現有保單的保障額，新定義是否適用？
If I renew or increase coverage on my existing policy, will the new definitions apply? 如果我續保或增加現有保單的保障額，新定義是否適用？
Can I request to update my existing policy to use the latest definitions? 我可以要求將現有保單使用最新的定義嗎？
Can I request to update my existing policy to use the latest definitions? 我可以要求將現有保單使用最新的定義嗎？
What happens if I reinstate a lapsed policy — will the new definitions apply? 如果我恢復一份已失效的保單，新定義是否會適用？
What happens if I reinstate a lapsed policy — will the new definitions apply? 如果我恢復一份已失效的保單，新定義是否會適用？
Should I switch from existing policies to the new products with standardized CI definitions? 我應該把現有保單轉換為採用標準化危疾定義的新產品嗎？
Should I switch from existing policies to the new products with standardized CI definitions? 我應該把現有保單轉換為採用標準化危疾定義的新產品嗎？
What happens if I hold multiple CI policies from different insurers — will the new definitions apply? 如果我持有多份來自不同保險公司的危疾保單，新定義是否會適用？
What happens if I hold multiple CI policies from different insurers — will the new definitions apply? 如果我持有多份來自不同保險公司的危疾保單，新定義是否會適用？
What should I do if I have any questions regarding my policy? 如果我對自己的保單有任何疑問，應該怎麼做？
What should I do if I have any questions regarding my policy? 如果我對自己的保單有任何疑問，應該怎麼做？
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved
© Copyrights 2024. The Hong Kong Federation of Insurers. All rights reserved