Unfortunately, helper medical doesn't include cancer. You need to add it. We have an older helper and have bought "The Serious Disease Extension" the last few years.
https://www.hl-insurance.com/hlia/we...title=coverage
Unfortunately, helper medical doesn't include cancer. You need to add it. We have an older helper and have bought "The Serious Disease Extension" the last few years.
https://www.hl-insurance.com/hlia/we...title=coverage
Yes I am, this is exactly what would happen to me. The difference is that I can get medical care in my home country as well as in HK and I can afford care.
I agree with the employer having adequate medical coverage but where does she stay if she can't perform her duties and isn't in the hospital? I don't think it's reasonable for an employer to personally care for an employee and not be able to hire another DH to do the work. If she is able to reasonably discharge her duty while getting treatment with just regular hospital visits then it's absolutely very wrong to fire her but if she's not then she should be with her family, that is what makes the most sense in my opinion.
So helpers are NOT in the public health scheme in HK, just the insurance that the employer buys? Trying to figure this out...other countries (e.g., Taiwan) employer pays for the helper to join the national health scheme...
I think everyone having a valid HKID is covered by the public healthcare system, but there are still charges of $120 per day according to the Hospital Authority website. I just checked the policy for our helper and it pays max $300 per day subject to a limit of $80,000 per year. The policy only excludes child birth, suicide, AIDS, drug abuse and pre-existing conditions.
So they still can get treated for cancer, while employed, or not? Because apparently that is a policy add-on? Or just the deductable/co-pay amount is an add-on...
Sorry, not coming from a country with public healthcare, the mix of public and private is always confusing to me. I don't even really understand my own health insurance that I have never used in HK...
sadly very true, particularly chemo drugs, certain but very necessary drugs are excluded from the HA list, so patients have to buy (and pay first) and not cheap, can be 70k per injection.
until you or your family experienced HA, most people are blissfully unaware of the state of HA......