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lostbf 发表于 2021-1-14 21:37 
请问medibank的这些报销细则在哪里可以看到啊？谢谢
https://www.medibank.com.au/heal ... old-growing-family/
他这个大致的报销内容和cap都在下面那些pdf里。就是你拉到最下面，有3个pdf，里面就是比较详细写哪些是可以报销，报销多少的。
医院的费用的话看不大出来，我都是拿到code以后电话去问或者去branch问cap多少。
买私人保险hosptial的大概有3种
No-gap: if your insurer has a no-gap agreement, this means any fees subsidised by Medicare that are more costly than the MBS are covered by your health fund, and you won’t pay a gap.
Partially covered gap: with partial gap cover, your insurer covers some of the gap payment, but not all of it.
Known gap: if your health fund has a known gap agreement, they will cover the gap payment to a capped amount. Before you receive treatment, your insurer will let you know what your gap payment is expected to be.
medibank是no gap的私人保险，和他们签署协议的私人医院应该是我问过的私人保险里最多的，大部分情况下私人医院的费用medicare和medibank都包了。没有或者有很少out of pocket fee.
hcf我记得是known gap+no gap。也就是有些私立医院要自己出一部分费用。但是今年hcf有个保险是sydney adventist hospital的生产险，在这家医院生的连ob的management费用也是全包的。
https://www.hcf.com.au/Campaigns/no-gap-pregnancy
楼上如果是在san的话可以看一下这个。
所以有时候不能完全看保费。私人保险里的水很深。我到现在也还没有100%搞清。
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pangpang东欧游之布达佩斯（已完成) (2011-7-13) pangpang 
楼主:yueyuese
发表于 2013-10-29 16:24
