关于private health insurance

flyspirit

为啥我quote出来最低的那个extras是34刀多（夫妻二人），不是25刀。有人查到25刀的吗？

Anihc

去medibank网上看了，还是没搞清楚下面哪个Hospital Services是给适用于怀孕的？像Nib 就有很明显的这一条 Pregnancy & birth related services？？帮忙指点一下。。

Hospital Services

Choice of doctor/hospital
Private hospital accommodation
Public hospital accommodation as a private patient
Excess
Member co-payment on hospital accommodation in a Members Choice Hospital
Daily Co-payment
Theatre fees (non-Restricted Services)
Theatre fees (Restricted Services)
Medically Necessary Ambulance Transport
In-hospital psychiatric treatment
In-hospital rehabilitation treatment
Cardio-thoracic Procedure
Major Eye Surgery
Hip and knee joint replacement
Obstetrics Related Services
Assisted Reproductive Services
Plastic and reconstructive surgery

astina

smart choice

Anihc

原帖由 astina 于 2007-9-27 23:08 发表
smart choice

一直有听您说， Smart Choice有含Pregnancy & birth related services，但是在他们的上述条款中，那条是表示这一类的？这是我quote 出来的

sunshinelily

已经 写得很清楚了

Obstetrics Related Services
Assisted Reproductive Services

[ 本帖最后由 sunshinelily 于 2007-9-28 00:06 编辑 ]

MO^OM

I checked both Medibank and Nib as well, and found Medibank got more services eventhough the charge is abit higher for the similar package.

Medibank Smart Choice Hospital ($174.80/monthly)
·          Choice of doctor/hospital
·          Private hospital accommodation
·          Public hospital accommodation as a private patient
·          Excess(Optional)
·          Member co-payment on hospital accommodation in a Members Choice Hospital
·          Daily Co-payment
·          Theatre fees (non-Restricted Services)
·          Theatre fees (Restricted Services)
·          Medically Necessary Ambulance Transport
·          In-hospital psychiatric treatment
·          In-hospital rehabilitation treatment
·          Cardio-thoracic Procedure
·          Major Eye Surgery
·          Hip and knee joint replacement
·          Obstetrics Related Services
·          Assisted Reproductive Services
·          Plastic and reconstructive surgery

Nib Family Plus ($35.68/weekly = $145-/monthly)
- Accidents (more info)
- Removal of teeth (including wisdom teeth)
- Knee, hip & shoulder investigations
- Knee & shoulder surgery (e.g. cartilage repair)
- Removal of tonsils
- Removal of appendix
- Hernias
- Ambulance cover (more info)
- Minor eye surgery (e.g. squints, pterygiums)
- Colonoscopies & bowel surgery
- Digestive disorders (e.g. stomach ulcers)
- Kidney stone & gall stone removal
- Back surgery (e.g. slipped disc)
- Pregnancy & birth related services
Exclusion:
Major eye surgery (e.g. cataracts)
Major joint replacement (e.g. artificial knee / hip)
Gastric banding & obesity surgery
Cosmetic surgery (to enhance appearance)

[ 本帖最后由 MO^OM 于 2007-9-28 13:17 编辑 ]

MO^OM

原帖由 sunshinelily 于 2007-9-28 00:04 发表
已经 写得很清楚了

Obstetrics Related Services
Assisted Reproductive Services

That is it..

Anihc

原帖由 sunshinelily 于 2007-9-28 00:04 发表
已经 写得很清楚了

Obstetrics Related Services
Assisted Reproductive Services

Thanks a lot. LS, LS's LS
++++

MO^OM

But I still would like say, all should depend on what type of cover we would like to have.
A few of the services listed above, u actually we dont need... like knee surgery.

It will be better to have a chat with the representative from the insurance company and see which cover is the best for us.

redsummer

今天先大概看了一遍，11页，累死偶了！
明天再仔细研究。
多谢阿丝姐姐，引导出这么一个好帖子，感觉这个帖子就象是个学校，阿丝姐是校长，被一大群好学的同学跟了3年，有的毕业了——买了合适的保险；有的刚入学。
继续把这个学校办下去，让更多的人受益！
感谢感谢感谢！！！

Anihc

原帖由 MO^OM 于 2007-9-28 13:15 发表
I checked both Medibank and Nib as well, and found Medibank got more services eventhough the charge is abit higher for the similar package.

Medibank Smart Choice Hospital ($174.80/monthly)
·  ...

我又再对比了一下nib 和medibank的类似package. 还没有搞清楚 nib 条款中提到的下面的，如盲肠切除，肝胆结石之类的，不知道在medibank的条款中涵括在哪一条里？我没有发现到， 有人能帮忙告知的吗？总觉得这几条还是比较常见的，还是有必要考虑在内。

1。 Colonoscopies & bowel surgery
2。 Digestive disorders (e.g. stomach ulcers)
3。 Kidney stone & gall stone removal
4。 Back surgery (e.g. slipped disc)

[ 本帖最后由 Anihc 于 2007-10-8 22:23 编辑 ]

Anihc

有人买nib的吗？比较medibank，哪个比较好？

william23

想去眼科检查一下眼睛.那种保险包呢?

WTFAUS

原帖由 william23 于 2007-10-15 22:50 发表
想去眼科检查一下眼睛.那种保险包呢?

This is covered by Medicare.. you can have your eyes checked once a year for free. so no need to have private insurance for that purpose

william23

原帖由 WTFAUS 于 2007-10-16 13:53 发表

This is covered by Medicare.. you can have your eyes checked once a year for free. so no need to have private insurance for that purpose

你说的是怎么样的check,我有点飞蚊症想去看一下有没有什么方法医疗!

tiger

今天请了一天假，上午刚买了my options，59一个月，下午就要去补牙了。这个免等待期的政策真好呵。

WTFAUS

原帖由 Anihc 于 2007-9-27 23:17 发表


一直有听您说， Smart Choice有含Pregnancy & birth related services，但是在他们的上述条款中，那条是表示这一类的？这是我quote 出来的

hmm 我记得偶家LD的cover ，smart choice+first option extra 才82 dollars左右， 我报的是my options 59 一个月。

美讶

shall i buy the insurance together with my husband or separately???
what is the diffrence ah???

headache!!!

astina

原帖由 美讶 于 2007-10-22 14:00 发表
shall i buy the insurance together with my husband or separately???
what is the diffrence ah???

headache!!!

没有什么不同，两个人就是两个单身的double

美讶

but my husband doesnt need the preganancy cover ya

astina

didn't we know that!

所以就根据您家的情况自己斟酌罗

WTFAUS

原帖由 美讶 于 2007-10-22 14:02 发表
but my husband doesnt need the preganancy cover ya

then u can have the ones we have now. one smart choice , the other my options.. but you both got to switch to first or smart choice after hving the baby. becoz my option will not cover the baby for free.

美讶

原帖由 WTFAUS 于 2007-10-22 14:05 发表

then u can have the ones we have now. one smart choice , the other my options.. but you both got to switch to first or smart choice after hving the baby. becoz my option will not cover the baby f ...

IS IT A PLAN ? SORRY I HAVE LESS IDEA OF Private insurance:si91

HOW MUCH IS IT?

美讶

原帖由 astina 于 2007-10-22 14:03 发表
didn't we know that!

所以就根据您家的情况自己斟酌罗

3Q3Q, I THINK NOW WE CAN BUY 2 DIFFERENT CHOICES SINCE WE HAVE NO CHILD YET.

WTFAUS

原帖由 美讶 于 2007-10-22 14:12 发表

IS IT A PLAN ? SORRY I HAVE LESS IDEA OF Private insurance:si91

HOW MUCH IS IT?

u got to read.. meiya

我记得偶家LD的cover ，smart choice+first option extra 才82 dollars左右， 我报的是my options 59 一个月。

美讶

到底所有的保险公司有啥差别呢？ 还是都差不多啊？

NSW的是不是比维州的便宜？ 怎么我QUOTE出来的SMART CHOICE HOSPITAL-SINGLE是72.55一个月？我都不知道我QUOTE对了没啊？？？

astina

每个州是有所不同的

美讶

我刚刚一直在QUOTE那个170多， COUPLE的我死活也QUOTE不出来。。。。。。后来猛然发现， 好像是STATE不一样啊。

阿丝你觉得保险公司们有啥差别啊， 我完全不懂， 昏。。。。：（

vicki

原帖由 astina 于 2007-3-13 15:11 发表
1 a) if you buy the hospital cover, then there is no need to pay the 1% surcharge to ATO at the end of the financial year when you file your tax return;
b) yes, you would still have to pay the 1. ...

AS 师姐，是不是说我只要买了hospital cover， 不过这个cover的金额是多少，我都不用交这个1％的suirchage？

astina

原帖由 vicki 于 2007-10-22 21:42 发表


AS 师姐，是不是说我只要买了hospital cover， 不过这个cover的金额是多少，我都不用交这个1％的suirchage？

是的