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 \u003Cimg src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002Fbf\u002Fadcimg_01kxn0gr3w60cp4cnvp0jhyjp9.jpg\" alt=\"香港保险业联会就医美保险诈骗案召开记者会\">\n  \u003Cfigcaption>保险业联会警示滥用医保索偿将推高全民保费成本\u003C\u002Ffigcaption>\n\u003C\u002Ffigure>\n\n\u003Ch2>犯罪手法：医美疗程冒充医疗项目\u003C\u002Fh2>\n\u003Cp>据商业罪案调查科披露，犯罪集团通过保险从业员引导顾客至指定医美中心，\u003Cstrong>将美容项目伪造成符合保单的医疗项目\u003C\u002Fstrong>。涉案者以去疣、引流脓疮等名义申报保险，实际进行的是荷尔蒙斑治疗、电波拉皮等非保障项目。\u003C\u002Fp>\n\n\u003Cfigure>\n  \u003Cimg src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002F3b\u002Fadcimg_01kxn0gr4g79gqw6sqssmw625q.jpg\" alt=\"警方与保险业联会代表说明案情\">\n  \u003Cfigcaption>商业罪案调查科与保险业联会代表联合说明案件细节\u003C\u002Ffigcaption>\n\u003C\u002Ffigure>\n\n\u003Ch2>异常数据揭示行业乱象\u003C\u002Fh2>\n\u003Cp>刘佩玲引用理工大学调查指出，香港「打疣」手术量占十大外科手术近30%，涉及两万余宗案例，\u003C\u002Fp>\u003Cblockquote>「这一比例在全球医疗体系中极为罕见，明显存在异常」\u003C\u002Fblockquote>。同时，香港医疗开支在2019至2023年间激增60%，年均涨幅达15%。\n\n\u003Ch3>恶性循环风险加剧\u003C\u002Fh3>\n\u003Cp>数据显示，若当前趋势持续，5年内医疗开支将再增50%，10年后可能翻倍。刘佩玲警告，保险公司作为风险管理者，最终只能通过\u003Cstrong>提高保费\u003C\u002Fstrong>转嫁成本，导致400万医保用户面临更大经济压力。\u003C\u002Fp>\n\n\u003Cfigure>\n  \u003Cimg src=\"https:\u002F\u002Foss.articledatacenter.com\u002Fadc\u002Fmedia\u002Fa2\u002Fadcimg_01kxn0gr4ks6415qd9jbd9acw9.jpg\" alt=\"警方展示诈骗案证物\">\n  \u003Cfigcaption>警方展示案件中查获的虚假医疗文件等证物\u003C\u002Ffigcaption>\n\u003C\u002Ffigure>\n\n\u003Ch2>行业呼吁杜绝滥用行为\u003C\u002Fh2>\n\u003Cp>保险业联会强调，对合规医疗需求将正常理赔，但坚决打击欺诈行为。刘佩玲特别提醒市民：\u003C\u002Fp>\u003Cblockquote>「切勿轻信中介诱导，将美容项目伪装成医疗需求申报，这不仅违法，更会推高社会整体成本」\u003C\u002Fblockquote>。数据显示，部分长者可能因保费过高被迫退出医保体系，加重公营医疗负担。\n\n\u003Cfigure>\n  \u003Cimg 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