Changing Medical Landscape and Rising Costs: Insurers Urge Prioritizing Reimbursement-Based Coverage
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As medical technology advances, leading to shorter hospital stays and more outpatient surgeries, insurers are advising the public to shift their health insurance mindset from hospitalization benefits to medical expense coverage, prioritizing the reinforcement of reimbursement-based health insurance and outpatient surgery coverage. Fubon Life, Leishan Insurance Broker, and Nan Shan Life have provided specific recommendations.
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Frequently Asked Questions
- Q: What is reimbursement-based health insurance?
- A: It is health insurance that reimburses you for actual medical expenses paid, up to the policy's limit.
- Q: Why is reimbursement-based insurance being recommended now?
- A: Because advances in medical technology have led to more outpatient surgeries, which may not be covered by traditional hospitalization-based policies.
- Q: Should I cancel my old health insurance policy?
- A: Experts advise against canceling hastily, as it may still provide a subsidy for lost income during hospitalization, even if the coverage amount is limited.