背景 自願醫保計劃是醫務衞生局就個人償款住院保險產品推行的一項政策措施,承保機構和消費者的參與均屬自願性質。在這計劃下,自願參與的承保機構須提供醫務衞生局認可為符合計劃要求的個人住院保險產品供消費者選擇是否申請投保。 自願醫保計劃辦事處隸屬醫務衞生局,專責自願醫保計劃的執行工作,職責包括為參與計劃的承保機構註冊,審核個人償款住院保險產品以確認產品的認可資格,執行計劃的規管,推行宣傳及消費者教育項目,監察計劃成效,訊息發放及統計數據整理,和處理查詢及投訴等。
Background VHIS is a policy initiative implemented by the Health Bureau (HHB) in respect of individual indemnity hospital insurance products. The scheme is based on voluntary participation by insurers and consumers. Under the scheme, the participating insurers will offer individual hospital insurance plans that are certified by HHB to be compliant with the scheme requirements for consumers to purchase the plans. VHIS Office is an office set up under the HHB to implement the VHIS. Its duties include registration of the participating insurers, vetting of individual indemnity hospital insurance plans for certification of compliance status, enforcement of scheme regulations, undertaking of publicity and consumer education programs, monitoring of scheme performance, information dissemination and compilation of statistics, as well as handling of enquiries and complaints, etc.