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[医疗保险] 保险条款看晕了 excess到底是什么意思啊 [复制链接]

lengchi1203

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发表于 2013-11-11 13:17 |显示全部楼层

此文章由 lengchi1203 原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者 lengchi1203 所有！转贴必须注明作者、出处和本声明，并保持内容完整

这个excess是什么意思啊有的保险里面写excess$300,有的写$500,还有写$0的

Serenity

金靴族

发表于 2013-11-11 13:20 |显示全部楼层

此文章由 Serenity 原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者 Serenity 所有！转贴必须注明作者、出处和本声明，并保持内容完整

Excess is if you need to claim certain insurance, you need to pay this excess.

I think higher the excess, the lower the premium.

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lengchi1203

布鞋族

发表于 2013-11-11 13:23 |显示全部楼层

Serenity 发表于 2013-11-11 13:20
Excess is if you need to claim certain insurance, you need to pay this excess.

I think higher the e ...

Essential Visitors Cover
$182.38
Monthly
Hospital Cover
MEDIUM
$0 excess

Extras Cover
NO COVER

View details
Essential Visitors Cover With Bronze Extras
$227.08
Monthly
Hospital Cover
MEDIUM
$0 excess

Extras Cover
BASIC
up to 60% extras paid back*

View details
Essential Visitors Cover With Your Choice Extras
$252.18
Monthly
Hospital Cover
MEDIUM
$0 excess

Extras Cover
MEDIUM
up to 60% extras paid back*

View details
Essential Visitors Cover With Silver Extras
$297.28
Monthly
Hospital Cover
MEDIUM
$0 excess

Extras Cover
MEDIUM
up to 60% extras paid back*

View details
Gold Visitors Cover
$323.51
Monthly
Hospital Cover
TOP
$500 excess

Extras Cover
NO COVER

View details
Essential Visitors Cover With Gold Extras
$362.28
Monthly
Hospital Cover
MEDIUM
$0 excess

Extras Cover
TOP
up to 75% extras paid back*

View details
Gold Visitors Cover With Bronze Extras
$368.21
Monthly
Hospital Cover
TOP
$500 excess

Extras Cover
BASIC
up to 60% extras paid back*

View details

miao123

铜靴族

发表于 2013-11-11 14:30 |显示全部楼层

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Excess means out of pocket. It is the maximum amount you need to pay to cover the insurer's cost.

willhan7

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禁止发言

发表于 2013-11-12 09:57 |显示全部楼层

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excess费就是垫底费或免赔额，每次住院时候需自己先支付excess费，以上部分保险公司才会报销。你可根据自己需求选择购买$300或 $500，或者其他金额的excess费，excess费越高的，保费自然也越低

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[医疗保险] 保险条款看晕了 excess到底是什么意思啊 [复制链接]

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