请教： 父母的overseas visitor insurance

漫不经心

父母过来小住半年，有可能延期至一年，这个月到澳洲，想给两人都购买医疗保险，发现费用昂贵是一方面（因为涉及到四位老人，大家打算轮流来），另一方面是等待期这个问题。

我询问了Bupa和Medibank两家保险公司，他们提到，如果有pre-existing condition就会有12个月的等待期，关于这个pre-existing condition我进一步询问有没有什么更详细的界定，就这一点Bupa的回复如下：

A pre-existing condition is defined as-

·         A pre-existing condition is any ailment, illness, or condition that you had signs or symptoms of during the six months before you joined. It is not necessary that you or your doctor knew what your condition was or that the condition had been diagnosed

·         A condition can still be classed as pre-existing even if you haven’t visited your doctor about it before joining

·         A doctor appointed by Bupa decides whether your condition is pre-existing, not you or your doctor. The appointed doctor must consider your treating doctors’ opinions on the signs and symptoms of your ailment, but is not bound to agree with them

Overseas visitors insurance is not so that your parents can come to Australia for medical treatment, it is for unforseen illness or accidents. Any new conditions will be covered from their start date.

我的想法是，父母上了年纪（70+），总会有些小病小痛，或者经历了一些外科手术，或多或少都有一些“pre-existing condition" ，如果保险公司没有详细的界定，买了保险以后，万一有不好的状况，保险岂不是很不必要的鸡肋？！

请问你们的父母过来短住的时候，是如何作出安排的呢？是不买保险，有问题买机票回国？或者买了一些比较合算的? 是否介意告知一下各位父母的医疗保险以半年为期约为多少钱以帮助我选一个合宜的保险？

谢谢

漫不经心

我是不是发错板块了 怎么没有人回应呢？

哇哇哇

12个月的等待期？等待完了，人也回去了。

kdssdk

我爸妈这次过来2周多，本来想带他们去买Bupa的，但是他们一下飞机就和我说已经买了，美亚旅游保险，好像国内很受欢迎，你可以google一下。