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bupa 的那种可以
我买的Standard Visitors Cover 说额度不足。。。不懂Attachment A
Insurance benefits at least equivalent to:
a) Public hospital - admitted patient treatment, a benefit equal to the State and Territory health authority gazetted rates for ineligible patients for:
· overnight and day only hospital accommodation (all costs including: all theatre, intensive care, labour wards, ward drugs);
· emergency department fees that lead to an admission;
· admitted patient care and post operative services that are a continuation of care associated with an early discharge from hospital
Note: for the purpose of clarity this includes all admitted treatments covered by the Medicare Benefits Schedule.
b) Surgical implanted prostheses - no gap prostheses and gap permitted prostheses as listed in the Private Health Insurance (Prostheses) Rules 2007: Benefit at
least equal to 100% of minimum benefit amount listed.
c) Pharmacy - all PBS listed drugs that are prescribed according to the PBS approved indications that are administered during and form part of an admitted episode
of care - a benefit equal to the PBS listed price in excess of the patient contribution.
Note: For the purpose of clarity, this definition is intended to include the cost of PBS listed drugs administered post discharge - if they form part of the admitted episode of care.
d) Medical Services - admitted medical services with an MBS item number - 100% of the Medicare Benefits Schedule fee, or less if the patient is charged less.
e) Ambulance Services - 100% of the charge, that is not otherwise covered by third party arrangements, for transport by ambulance provided by, or under an
arrangement with, a government approved ambulance service when medically necessary for admission to hospital, emergency treatment on-site, or inter-hospital
transfer for emergency treatment.
Note: For the purpose of clarity, this definition is intended to include inter-hospital transfers that are necessary because the original admitting hospital does not have the required clinical facilities. It does not extend to transfers due to
patient preferences.
Other minimum health insurance policy features
f) Informed Financial Consent
Insurers will make available membership eligibility checking to hospitals to enable the provision of informed financial consent to members on admission.
g) Waiting periods
To comply with the minimum level of health insurance, the only waiting periods that may be imposed are:
· 12 months for pregnancy related conditions;
· 12 months for pre-existing conditions applied in a way that is consistent with Section 75-15 of the Private Health Insurance Act 2007
· 2 months for psychiatric, rehabilitation and palliative care, regardless of whether or not the condition is pre-existing.
h) Excluded Treatments
To comply with the minimum level of health insurance, the only admitted patient treatments that may be excluded are:
· Assisted reproductive treatments;
· Elective cosmetic treatments;
· Bone marrow and organ transplants
Insurance policies may also exclude the following:
· Treatment rendered outside of Australia including treatment necessary en route to or from Australia;
· Treatment arranged in advance of the insured's arrival in Australia;
· Services and treatments which are covered by compensation and damages provisions of any kind
Note: Insurers are not required to exclude these treatments. A decision to cover them is at the discretion of the insurer.
i) Global annual benefit limits
To comply with the minimum level of health insurance, the per person per annum, benefit must not be less than $1 million dollars.
j) Portability
To comply with the minimum level of health insurance, when determining waiting periods, insurers must recognise previous length of membership on a policy held
with another Australian insurer that meets the minimum standards. That is:
· When transferring between Australian based insurers where the customer has been a member of the previous fund for greater than 12 months, waiting
periods of no greater than 12 months will apply to the higher level of benefits.
· When transferring between Australian based insurers where the customer has been a member of the previous fund for less than 12 months, any unserved
waiting periods will need to be completed with the new fund and if increasing the level of cover or benefits, additional waiting periods of no greater than 12
months will apply to the higher level of benefits. These waiting periods are served concurrently.
To comply with the minimum level of health insurance, an insurer must agree to:
· grant a member who seeks to transfer between Australian based insurers, continuity of cover for up to 30 days from the date they leave the previous insurer;
and
· provide members, who terminate their policy, with a clearance certificate, approved by the Department of Immigration and Border Protection, within 14 days
of the date of termination or the date of notification of the termination, whichever is the later.
k) Buy out clauses
To comply with the minimum level of health insurance, a policy must not contain a buyout clause that has the effect of terminating the insurer’s liabilities in
exchange for a pre-determined lump sum payment.
l) Arrears
To comply with the minimum level of health insurance an insurer will allow for acceptance of premiums for 60 days from the last financial date of membership
without terminating the me。。。 |
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【三刀厨侠争霸赛】素炒小青菜 (2008-10-18) beta_caojin 
[2800公里塔斯马尼亚自驾二十天探索之旅] 上部完。234楼新增虎公视频 (2009-5-8) Tiger_Karen 
发表于 2016-9-27 21:53
