關於私人保險（很急）

doracandy

大家好，我朋友剛買了保險在一月份4／1，可是她干剛發現bingo 了，預產期應該在25／12，
那她的private insurance 還能cover ma?她應不應該跟醫生撒謊呢？is there any JM experienced ?
many thanks

doracandy

幫幫忙！還有，有沒有知道hurstville private 一個晚上的收費是怎樣？

DMW

这个情况不能cover，不够12个月的等待期。

hgaox

保险公司会给你的朋友算12个月等待期的. 无论如何bb的出生日期(虽说预产期可以改)不能更改,所以保险不能cover.

旋木

除非你朋友的孩子晚生很久，否则私人保险不cover的，和预产期没关系

[ 本帖最后由 旋木 于 2011-4-24 18:53 编辑 ]

Jacks

医生出证明预产期是一月的话，如果宝宝12月出生，就可以，但你朋友的情况，医生不会给出的吧。

巧克力酱

不是之前好像有人问过类似问题，说要是换成latrobe的保险，是9个月的等待期。。不知道可不可行

doracandy

thank you so much everyone. Will tell my friend all the info that you lady provide!

doracandy

do u know if she finally get covered?thx

盛京

it depends on her PHI cover. Some hospital product doesn't cover obstetric service.Need to check with health fund.

medical fees - if the doctor has no gap arrangement with health fund, then no out of pocket expense for medical charges. health fund covers all doctor fees.

hospital fees - depends on the FED (front end deductable), normally nil, $250, $500, $1000, different funds havs different arrangement.

free_fish

应该可以转成latrobe, 但不知道保费不一样是不是会另外charge, 不过就算多付钱, 也是划算的.

shofang

Latrobe waiting period is 9months only,u can transfer to la trobe now.

cannewstep

是的，可以转到la trobe 我刚刚转。但私人医生一般会让你多交1000左右，depends on the private doctor.

doracandy

hi there , can u tell me more your case.
are u having exactly same situation as my friend?
were u with other private insurance before?

Sparky

我只知道我的ob对latrobe的病人要比medibank的病人多收一千还是一千五。

golden100

不行

cannewstep

是的， 我的case和你朋友的基本相同。 不过你可以去medibank问一下，他们有一个内部的 grace period，是不对外公开的， 就是说如果是在到期半个月以内是可以申请的，不过有的人批有的人不批，要看你的运气，我的就没给批。
所以我转到la trobe，不过因为la trobe给医生的费用很低，（一般比其它的保险公司低1000左右）所以一般ob都会要求1000 到 1500。
不过也还是划算的。

不过我的ob超级的好，没有多收我钱，非常幸运。
也祝你的朋友好运～～

doracandy

Which OB you chose ? and which hospital you go?
how did u transfer at the end? ?
How much did u spend at the end?

doracandy

sorry to give u so many question, with the grace period, how did u apply for? did u call them and asked for it? thanks

shofang

I transferred from medibank to Latrobe after finding out  pregnant(2 months with medibank only) just call Latrobe directly and tell them u want to transfer to them, after they quote u and agreed and paid, then call medibank to cannel and ask a insurance certificate to be sent to you or Latrobe, Latrobe will cover waiting period for whatever insurance level  u had with medibank.( shown on the certificate)

Hope this is clear for u, just call them!

doracandy

thank you for your kind reply! which hospital and OB u planning to with?