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Medical insurance vs critical illness insurance - what is the difference? What is voluntary health insurance?

<p>While both medical insurance and critical illness insurance provide health protection to the insured, they are fundamentally different types of insurance which have different types of purposes, compensation methods and coverage. So, what exactly is the difference between these two types of insurance? In today’s article, we will be running through the differences and help you to identify what you should pay attention to when purchasing insurance.</p><h2>3 key differences between medical insurance and critical illness insurance</h2><h3>1. Purpose of insurance</h3><p>Medical insurance supports you financially for the payment of your medical expenses. It allows you to receive reimbursement for medical expenses such as hospitalization, surgical fees, and rehabilitation during your treatment period.</p><p>You will also be able to choose the medical services that you prefer based on the compensation limit of your policy. On the other hand, critical illness insurance emphasizes being able to receive financial support should one be diagnosed with a serious illness. Once diagnosed with any of the illnesses covered under the critical illness policy, you will receive a lump-sum cash pay-out. Whether you will want to use this money to help cope with daily living expenses or use it to pay for your medical expenses, it is entirely up to you. This helps to reduce the economic pressure of not being able to work due to your illness.</p><h3>2. Compensation method</h3><p>Another difference between medical insurance and critical illness insurance is their compensation method. Most medical insurance uses a "pay-first claim-later" format, where the insured pays for the medical expenses first and then applies for remuneration from the insurance company based on the expenses incurred. The insurance company would then compensate you based on the coverage limit of your policy. Should your coverage limit be higher than the medical expenses incurred, you will only be compensated based on your medical bill.</p><p>In contrast, a critical illness insurance policy gives you a pay out as long as you are diagnosed with an illness under the policy. The amount received will be lump-sum compensation, which is the sum insured by the policy. With this payout, you will have more cash to help you cope with your daily expenses or any unexpected expenses when you are ill.</p><h3>3. Insurance coverage</h3><p>As for coverage, medical insurance covers mainly medical expenses such as hospitalisation, surgery and rehabilitation. However, such medical insurance generally does not cover mental illnesses. Critical illness insurance is generally divided into two different types of insurance, regular critical illness insurance and lifetime critical illness insurance. The policy terminates after reaching a specified compensation limit. In general, critical illness insurance covers common serious illnesses such as heart disease, cancer, and stroke. The specific number of critical illnesses covered would depend on the individual policy terms.</p>

<h2>What is voluntary medical insurance scheme?</h2><p>In recent years, we often hear about the Voluntary Health Insurance Scheme (VHIS) product, which is a type of medical insurance which falls under the category of personal hospitalization indemnity insurance products. The government aims to encourage more people to purchase this insurance by through the unique features of this voluntary medical insurance. Through this voluntary medical insurance, you can not only enjoy real-time medical coverage, receive treatment as early as possible, but also be able to apply for tax reductions and experience quicker waiting times in public hospitals. Since the voluntary medical insurance scheme was launched, it has received good responses from the public. The number of policies purchased under the government's voluntary medical insurance plan has exceeded 790,000 as of March 2021.</p><p>In addition to providing cost savings to policyholders, the launch of Hong Kong's voluntary medical insurance program helps in addressing many of the gaps in critical illness and traditional medical insurance plans in the market. For example, the voluntary medical insurance can guarantee coverage up till the age of 100, cover unknown pre-existing conditions at the time of enrolment, and cover the cost of psychiatric treatment in Hong Kong hospitals. As some medical insurance products also do not have a lifetime coverage limit, this allows you to get more comprehensive coverage. If you require medical insurance, it is worth taking some time to understand if this voluntary medical insurance is suitable for you.</p><h2>Voluntary medical insurance scheme or critical illness insurance – can you only choose one?</h2><p>Many people in the process of purchasing insurance may find it difficult deciding between a voluntary medical insurance scheme and critical illness insurance, as both have their benefits. However, a voluntary medical insurance scheme and critical illness insurance are not in conflict with each other and can even serve as complements. For example, a lump sum payout from one’s critical illness insurance can help in reducing financial pressure on the insured person upon being diagnosed with a critical illness. With medical costs soaring, having just a critical illness insurance alone may not be sufficient. It is likely that you will also need to purchase a voluntary medical insurance scheme to cover the high hospitalization and medical expenses in the future.</p><p>To cope with the potentially high future medical expenses related to critical illnesses, having a voluntary medical insurance scheme may be one of your choices.</p>

<p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p>

【醫療保險vs危疾保險】大不同！自願醫保又是什麼？ | Medical insurance vs. critical illness insurance

Medical insurance vs. critical illness insurance | FWD HK 

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5 tips to reduce snoring

Learn 5 tips for a better night’s sleep.

<p>Snoring is a common problem that prevents us from getting a restful night's sleep. It is not only disruptive to our quality of sleep, but it may also point to problems with our respiratory system. In certain circumstances, it might also affect the quality of sleep that our family gets. Snoring can potentially cause a condition called sleep apnea in extreme circumstances.</p><h2>What are some reasons behind snoring?</h2><p>Snoring occurs when the soft tissues in the upper airway and the throat relax during sleep, which results in a narrow airway and obstructs the flow of air. This relaxation can be heard as a rattling sound. The sound of snoring is produced by the relaxed tissues vibrating and causing sound waves. The snoring would be even louder if the obstruction of the airways was more severe. It is possible that sleep apnea will develop if the condition is not treated.</p><h2>What kind of people are more likely to have a snoring problem?</h2><p>Individuals who have the following characteristics are more likely to snore than others<sup>1,2</sup>:</p><ul><li>Obesity</li><li>A swollen tongue or nasal turbinate</li><li>Long nasal polyps</li><li>Sensitive nose</li></ul><p>Since snoring typically happens when a person is in a deep slumber, it may be difficult for them to realize that they are making that sound. It is critical to make people who snore aware of their situation so they can take corrective measures in a timely manner.</p><h2>Here are five things that can help cut down on your nighttime snoring:</h2><h3>1.&nbsp;&nbsp;&nbsp;&nbsp; Adjust your sleeping position for the better</h3><p>Snoring can be effectively treated by switching to a position that allows for less obstruction of the airway, such as sleeping on your side. When sleeping on your side, you might also try using a pillow designed to prevent snoring, or you could put a tennis ball or another object of a comparable size behind your back instead of a pillow. This causes discomfort if you roll onto your back while sleeping, which encourages resting on one's side instead of their stomach.</p><h3>2. Reduce your weight</h3><p>Snoring can be caused by a number of factors, one of which is obesity. Being overweight can cause excess fat to strain on your throat, which can make it difficult for you to breathe<sup>3</sup>. Snoring can be alleviated to some degree by maintaining a healthy weight through careful dietary management and consistent physical activity.</p><h3>3. Before going to sleep, make sure that your nasal passages are clear</h3><p>Keeping your nasal passages free is another method that can help you cut down on your snoring. If you suffer from nasal congestion, you might want to try washing your nose with some saline solution before going to bed to avoid mucus from obstructing your airway while you are sleeping<sup>3</sup>.</p><h3>4. Reduce your usage of alcoholic beverages and smoking.</h3><p>Snoring can be reduced in some people by avoiding smoking and drinking in the hours leading up to bedtime. These activities might produce swelling in the throat<sup>3</sup>, which can make it difficult to breathe properly.</p><h3>5. Employ suitable sleep aids</h3><p>Discover the anti-snoring remedies that are accessible on the market that are most appropriate for your body. The following are a few instances of such aids as well as their respective uses.×✓</p><p></p><table><colgroup data-width='680'><col style="width:37.2059%"/><col style="width:62.7941%"/></colgroup><thead><tr><th><span>Anti-snoring aid</span></th><th><span>Function of aid&nbsp;</span></th></tr></thead><tbody><tr><td><p>Anti-snoring mouthpiece&nbsp;</p></td><td><p>Stabilises the tongue position during sleep, preventing it from slipping and blocking your breathing.</p></td></tr><tr><td><p>Nasal sprays and nasal strips&nbsp;</p></td><td><p>Moisturises the airways, reduces nasal congestion, allowing air to smoothly enter the nasal cavity.</p><p><br /><br /></p></td></tr><tr><td><p>Anti-snoring headband&nbsp;</p></td><td><p>Closes your mouth when you sleep to help correct the habit of mouth breathing during sleep, encouraging nose breathing instead.</p></td></tr></tbody></table>

<h2>How does snoring affect your health?&nbsp;</h2><p>Besides reducing sleep quality, snoring can also affect one’s work and mental efficiency.&nbsp; If it is left untreated for a long period, the risk of developing sleep apnea increases. Suffering from sleep apnea increases the risk of developing fatal chronic diseases such as heart diseases, stroke and hypertension<sup>3</sup>. The negative effect of snoring is not only a problem for adults, but also for children. Snoring is not just a challenge for adults, the problem of children snoring cannot be ignored. According to research done in Hong Kong, children who suffer from obstructive sleep apnea are 2.5 times more likely to develop cerebrovascular and cardiovascular diseases in adulthood.</p><h2>Does snoring always lead to sleep apnea?</h2><p>Not all snoring causes sleep apnea. To find out if you are at risk of developing sleep apnea, you can get your family members to pay attention to your snoring patterns. Some snoring patterns include a sudden quietness followed by a continuation of snoring after a while. Additionally, people suffering from sleep apnea have the habit of breathing through their mouths while sleeping, and their breathing may pause intermittently many times each hour, with each pause lasting for tens of seconds. They could also experience symptoms such as headache, daytime sleepiness, and memory impairment when they wake up<sup>2</sup>.&nbsp;</p>

<p></p><ol><li>Source: Union Hospital, "<em>Frequently Asked Questions - Nose</em>"</li><li>Source: Union Hospital, "<em>Snoring and Sleep Apnea</em>"</li><li>Source: Hong Kong Asthma Society, "<em>Sleep apnea increases heart disease risk</em>"</li><li>Source: CUHK Faculty of Medicine, "<em>CU Medicine Study Shows Childhood Obstructive Sleep Apnea Increases the Risk of Hypertension in Adulthood</em>", 2019</li></ol><p></p><p>The above information is provided by FWD Financial Limited ("FWD Financial") for reference and educational purposes only. It does not constitute an offer to buy or sell any insurance products outside of Hong Kong. Before purchasing any insurance product, you should understand your needs and affordability, read the policy carefully, and select suitable product. FWD Financial is an appointed insurance agency of FWD Life Insurance (Bermuda) Company Limited (incorporated in Bermuda with limited liability) (“FWD Life”). FWD Financial, FWD Life, their subsiding companies or their respective directors or employees make no express or implied representations, statements or warranties as to the accuracy, completeness or suitability for any particular purpose of the information provided. In no event shall FWD Financial, FWD Life, their subsiding companies or their respective directors or employees liable in any way for any consequences resulting from the use or reliance upon this article, and shall not incur any legal liability (including third-party liability). Users should evaluate all the information contained in this article and seek independent professional advice.</p><p></p>

【打鼻鼾】原因大解構，5招改善鼻鼾聲 | 5 tips to reduce snoring

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5 tips to reduce snoring | FWD HK