私立医院买保险waiting period问题

luoluoyehua

sweetspirit 发表于 2016-1-25 11:25
lz，我觉得你赶在那一个月压力很大，我本来也是想要一个猴子，但12.9才买的保险，算了算非要猴子的话也一定 ...

which insurance company you are with now? if you worry about baby come before due date,,,you can go with hbf. I just called them, they are not as strict as bupa. and as long as your due date from OB says after 09/12/2016~~

Sparky

luoluoyehua 发表于 2016-1-25 11:50
i know..my fault..should be more careful last year and bought the insurance earlier...just called  ...

一定要有书面确认，不管是等待期的还是孩子早产的问题。

luoluoyehua

Sparky 发表于 2016-1-25 11:55
一定要有书面确认，不管是等待期的还是孩子早产的问题。

oh really? hbf said they need get clearance from bupa first and then tell me the 12 months waiting period date etc...

how should I ask the confirmation letter from hbf? normally in what format or words? personal email is fine? thanks~~~

Sparky

luoluoyehua 发表于 2016-1-25 12:20
oh really? hbf said they need get clearance from bupa first and then tell me the 12 months waiting ...

你就往她家的customer support之类的email写一封信说你想搞清楚这两个问题，他们会给你回复的，有这个就可以了，以后万一要扯皮，也有个根据。这个都是留着怕万一的。

luoluoyehua

Sparky 发表于 2016-1-25 12:26
你就往她家的customer support之类的email写一封信说你想搞清楚这两个问题，他们会给你回复的，有这个就 ...

I just emailed them waiting for response. but meanwhile, I ask their customer support online, they said I will be covered as long as due date is outside of 12 month. but they wont give me any confirmation letter for that coz the industry rule bla bla...they will just need expected due date confirmed from my OB....

sweetspirit

luoluoyehua 发表于 2016-1-25 11:52
which insurance company you are with now? if you worry about baby come before due date,,,you can g ...

嘿嘿谢谢了，不过我对时间没有很大的要求，所以多等一个月就是了，不然压力很大啊。况且我们公司在bupa有折扣：）

luoluoyehua

sweetspirit 发表于 2016-1-25 14:14
嘿嘿谢谢了，不过我对时间没有很大的要求，所以多等一个月就是了，不然压力很大啊。况且我们公司在bupa有 ...

恩我之前跟bupa也是因为公司福利帮着员工一起买的.比其他的便宜. 要是不急就无所谓了～～