Ms. Lee had been ill for the whole of February. Western medicine did not work for her and she turned to Chinese medicine treatment. Finally, she recovered after a two-week course of treatment. She then filed a claim with her medical insurance company together with the prescription for Chinese medicine from the practitioner.

During claims assessment, the insurance company requested Ms. Lee to provide an official receipt as a supporting document. As the practitioner did not issue printed receipts, Ms. Lee could only provide a handwritten receipt. Ms. Lee’s company accepted the receipt and reimbursed her claim accordingly.

The government has implemented regulation since 2008 requiring Chinese medical practitioners to register in order to protect the interest of patients.

Many Chinese medical practitioners in Hong Kong operate on a very small scale or as a family business. Furthermore, some practitioners have still not registered even though the government regulation has been in force for years. In light of this, insured persons should only visit legally registered practitioners whose documents are eligible proof for filing a claim.

In any case, insured persons must submit both presciption(s) and official receipt(s) according to the Hong Kong Federation of Insurers as medical insurance operates on a reimbursement basis.

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