15. Is mole removal covered by medical insurance? If a doctor performs the procedure, does that make it claimable?
在香港「激光脫墨」係claim唔到醫療保險的。因為大部份激光脫墨的目的係美容原因。
亦有脫墨係醫學原因的。而因為醫學原因脫墨的話，咁就有機會claim到保險。例如粒墨有痕，痛，腫，邊界唔清晰，色澤唔正常，持續的潰瘍等等，令到醫生擔心有惡化（癌病變）的情況或可能，咁醫生會把成粒墨連根切除（並非使用激光），然後把切出來的樣本送往化驗所化驗，以確定樣本的性質（良性／惡性）。這樣的情況下，把墨痣整個切除，就有機會claim到保險。
當然，這個過程必須由政府註冊的醫學診所（並不一定需要係皮膚科）裏面的註冊醫生進行才可以claim到保險。美容院聘用的醫生就可能唔係咁容易claim到保險。
總結：懷疑病變的痣由註冊醫生切除並送驗才能申請保險。美容院技師不具保險認可資格
In general, laser mole removal for cosmetic purposes is not covered by medical insurance in Hong Kong.
However, charges of mole removal may be claimable if it’s done for medical reasons. For example, if the mole causes itching, pain, swelling and it has unclear borders, abnormal color, and persistent ulceration then a doctor may recommend a complete surgical excision (not laser) and send the specimen for histopathological examination to rule out malignancy. In such cases, insurance claims may be accepted.
Importantly, the procedure must be performed by a registered doctor in a medical clinic (but it doesn’t have to be a dermatologist). Treatments done at beauty salons—even by doctors they hire—are much less likely to qualify for insurance coverage.
Conclusion: Medical insurance only applies when mole removal is performed by a registered doctor—and only if the procedure is deemed medically necessary (eg suspected malignant changes). Cosmetic treatments at beauty salons or clinics without proper credentials typically aren’t claimable.