旅遊保險醫療費用索償

You will have to ask some professional if the insurance should be covering this cost or not.

In general, pay more attention in these points:
- Almost all insurance comes with a max coverage. If the money you obtained is close to the max coverage already. You can forget about it as you won't get too much more from the insurance anyway.

- If the treatment was medicial necessarity? This part is hard to judge what is necessary. If it is a optional treatment, the insurance will not cover it in most cases.

- Most insurance has some internal appeal process. If you felt it was unfair, you should be able to write letter to list out your reasons and request for review.

You can try. But without looking at the policy, I will say the insurance company will not move its position at all.

The reasons are as follow:

1. When your mother injured right leg, why replacing the hip joint? (Totally unrelated)

2. Has the injury serious enough for warranting a surgery to replace hip joint? (In other word, there is no degeneration involved in this or her hip is not resulted from normal wear and tear).

In most of the cases, hip joint replacement surgery is considered as a elective surgery as it will improve patient's quality of life without using walking aids or medication. So surgeons will not usually schedule these surgery unless necessary.

And this is also why the insurance company don't want to cover.

你係透過旅行社買，還是透過 agent 買？因為一般旅行社賣的旅遊保險其賠償範圍係比保險公司賣的旅遊保險嚟得窄，所以相對保費會比保險公司平少少。
你可以睇清楚你份保單，唔係單張，如果保單內沒有註明其醫療賠償範圍，你係可以去保險業聯會度查詢。

你好,
可以 e-mail 解答你問題.