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Public healthcare system in Hong Kong takes care of approximately 90% of the patients, while the waiting time for new cases in specialist outpatient clinics in public hospitals can often be counted in years. Waiting time for ophthalmology can be as long as 205 weeks². To seek medical treatment early, one would have to rely on private healthcare services, which are relatively more costly.
² According to the figures released by the Hospital Authority on the waiting time for new cases in specialist outpatient clinics in 2022.
Many employees are only covered by the group medical policy, which only offsets part of the medical costs. The policy will also cease to be effective when they leave the company, which leaves their retirement unprotected.
As a patient recovers, one needs to be mindful of four categories of expenses: medical care, loss of income, rehabilitation, and the extra living expenses incurred because of the change in the way of life. All these could add up to over a million dollars per year.
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