Did you know that women account for 80 percent of purchasing decisions in the healthcare industry? Despite this, the solutions focused on women’s specific insurance and healthcare needs seem to be few and far between. This is why leading health and life insurance player Alea has been growing its focus on women’s needs. To this end, it has now created Alea for Women, a new platform by women and for women, allowing them to help take control of their health. The aim is to provide unbiased insurance advice, education and support about healthcare options. We asked them about some of the most common issues women have when it comes to buying insurance.
What health checks can I have on my plan?
Pap tests every three years are recommended for women from age 18, and mammograms every year for women from age 40. Most health check-ups are covered by our health insurance plans but there can be exceptions depending on the actual policy. Most plans come with monetary and time sub-limits, so be sure to check with your insurer beforehand.
Are alternative medicines covered?
Complementary (or alternative) medicines are generally covered under “outpatient benefits” of international plans. These generally include Ayurveda, acupuncture, chiropractic, osteopathy, homeopathy, hypnotherapy, naturopathy and traditional Chinese medicine. Some plans are more generous than others – just ask us if you need specific details!
Are mental health consultations usually covered?
Cover for mental health used to be non-existent. It was only until recent years when the importance of mental health came into the public spotlight. We’re proud to work with a number of insurance partners who cover psychiatry and mental health consultations with psychologists and counsellors without any sub-limits. If I have an abnormal pap report, would this be covered? Your body cells change all the time and your report will be reviewed by an underwriter. If it’s not covered this year, you can opt to go for another pap smear in six to 12 months and challenge the exclusion at renewal.
If I fall pregnant during the waiting period of my maternity cover, what should I expect?
Your cover won’t kick in until the waiting period ends. Only maternity expenses that arise after the waiting period will be covered. Our maternity insurance experts are happy to answer any questions you may have!
What coverage should I get for my newborn baby?
Most large companies in Hong Kong provide health coverage to employees and their dependents. You should always check with your HR whether children are covered. If you have a personal international plan, you can add your baby to your health insurance plan; otherwise, you can buy a standalone child policy to cover the child exclusively.
For every health insurance policy sold or renewed, Alea is donating a part of its commission to the Karen Leung Foundation (KLF), a charity that focuses on women’s health and raises awareness and support for cervical cancer.
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