❤❤❤Private Health Insurance 私人医疗保险内部人员温馨省钱小贴士❤❤❤ (持续更新中)

feiyu299

wzhqiang 发表于 2013-6-4 13:28
请问Lz，两大人加两小孩(both under 5 ys)，我近视加牙不好，只想买extra，麻烦推荐个性价比高一点的。先谢 ...

Any major dental like crown, root canal or so you may need? if yes, will reckon Top Extras 70. Otherwise Basic Extras 70 will do. I can call you if you need anymore detail.

feiyu299

wzhqiang 发表于 2013-6-4 13:30
另外如何知道自己工作的公司是不是有折扣啊?

check with your HR. Or if your company is more than 20 employee but hasn't been our corporate client, I can help u to arrange the agreement.

cathyruining83

feiyu299 发表于 2013-6-4 14:46
are u on a single policy or couple?

我买的是single的

wzhqiang

feiyu299 发表于 2013-6-4 13:49
Any major dental like crown, root canal or so you may need? if yes, will reckon Top Extras 70. Oth ...

谢谢，请问新产品kids no gap 是extra only or hospital plus extra? Should I wait for this new product?

shlily

正好需要学习私保

feiyu299

cathyruining83 发表于 2013-6-4 13:52
我买的是single的

you need to add your baby onto your policy within 60 days, and baby will be covered since born date. But the rate will increase to a single parent rate.
Or on the other hand, you can join your partner right before baby delivery to become a couple policy. still need to add baby within 60 days, but then baby will be free covered, as we only charge the adault on couple/family cover.

cathyruining83

feiyu299 发表于 2013-6-4 15:34
you need to add your baby onto your policy within 60 days, and baby will be covered since born dat ...

谢谢LZ,在宝宝出生后60天内加进去就可以把儿科医生等他/她出生时的费用都cover了吗？不需要提前加baby吗？
因为我的医院发给我的小册子是建议我生前三个月加进去，所以我有点迷茫。

feiyu299

wzhqiang 发表于 2013-6-4 14:01
谢谢，请问新产品kids no gap 是extra only or hospital plus extra? Should I wait for this new produc ...

we have the new products launched already. But it is hospital + extras package. if you are looking for Extras only, won't apply to you then.

hellenyy

谁能告诉我一下， 给孩子整形牙齿买什么 样的保险最合适？

feiyu299

cathyruining83 发表于 2013-6-4 14:37
谢谢LZ,在宝宝出生后60天内加进去就可以把儿科医生等他/她出生时的费用都cover了吗？不需要提前加baby吗 ...

within 60 days will be fine, baby will be covered right from born, no waiting period as long as you served the 1 yr for pregnancy

feiyu299

hellenyy 发表于 2013-6-4 14:41
谁能告诉我一下， 给孩子整形牙齿买什么 样的保险最合适？

Top Extras 70

cathyruining83

feiyu299 发表于 2013-6-4 15:43
within 60 days will be fine, baby will be covered right from born, no waiting period as long as yo ...

太好了，非常感谢！！！

钫钫

我是刚拿到TR，昨天登录的，今天办的medicare, 卡还没拿到。我6月底满31周岁，是不是要马上买私人保险啊？

flyvzu

feiyu299 发表于 2013-6-4 11:50
还有计划要２宝吗？如果有的话new families essentials. 如果没有的话 settled families essentials. 这 ...

有计划，但是应该不会用到私立生孩子。还是建议买这个essential吗？

feiyu299

flyvzu 发表于 2013-6-6 00:56
有计划，但是应该不会用到私立生孩子。还是建议买这个essential吗？

settled family then. Or even basic hospital + basic extras if you don't need high level of extras

玎珰

feiyu299 发表于 2013-6-4 14:43
within 60 days will be fine, baby will be covered right from born, no waiting period as long as yo ...

不知道mm有没有研究  生娃需要交给医生2000块左右的管理费，不知道是今年交好 还是七月份之后好

feiyu299

玎珰 发表于 2013-6-6 10:41
不知道mm有没有研究  生娃需要交给医生2000块左右的管理费，不知道是今年交好 还是七月份之后好 ...

取决于你想把这$2000块包含在你哪年的医疗自费支出里面. 因为如果医疗开销超过一定界限可以从税务上退回一部分，所以细节最好咨询下你的会计师，看怎么比较划算.

jhzou1

楼主你好，我现在用的是couple 的top extra 70, 想加hospital cover，请问一下我是加hospital cover划算还是直接upgrade到新的package settled family comprehensive 划算呢？我在维州

feiyu299

jhzou1 发表于 2013-6-6 14:42
楼主你好，我现在用的是couple 的top extra 70, 想加hospital cover，请问一下我是加hospital cover划算还 ...

if the hospital you are going to add on is basic hospital only, then the "old" basic hospital + Top extras would be cheaper. Otherwise, if you are looking for a higher level, the new one would be better.

destine

问一下MM关于私人保险的问题，

你说的“个人收入超过八万四要交medical levy surcharge”是指一个financial year的 total taxable income 吗？这个1%，是指 taxable income 的 1%？

如果下一个financial year 开始收入会超过的话，我需要什么时候买私人保险，才能避免medical levy surcharge呢？

非常感谢！

liona2006

楼主，我打算7月1号前买 hospital cover, 现在手里有basic extras 70，想问一下，能拿到优惠么 谢谢

沐沐妈

早看到就好了。刚换成qFAMILY的，还能WAVE掉2个月的等待期吗？

flyvzu

feiyu299 发表于 2013-6-6 10:02
settled family then. Or even basic hospital + basic extras if you don't need high level of extras

谢谢啦

feiyu299

destine 发表于 2013-6-6 15:25
问一下MM关于私人保险的问题，

你说的“个人收入超过八万四要交medical levy surcharge”是指一个financia ...

全年都要买，不然是按购买时间比例算的.
具体细节最好再咨询下你的会计师, 因为收入不同的surcharge比例也不同

sydfuzhou

请教LZ，我们买了Medibank的Basic Hospital＋Basic Extras 70, which does not cover orthodontics. Now if my daughter is going to do the orthodontics. I rang to make a query and have been told to upgrade to Top 70(?). But the claim is limited to $2,400 only over 5 years. $800 first year, then $400 pa afterwards. But the difference of my premium between my current policy and new policy is around $860 pa. I found it pointless to upgrade the policy.
I would like to know your thought or any other policy you can recom? Thanks a lot.

feiyu299

sydfuzhou 发表于 2013-6-14 13:10
请教LZ，我们买了Medibank的Basic Hospital＋Basic Extras 70, which does not cover orthodontics. Now if ...

If orthodontic is the only purpose of upgrading, you may find as you said pointless. But Actually when you upgrade, you will have alot of other stuffs cover on new Extras as well, like Major dental, podiatry or so. So whether it is worth or not depends on your use.

妹妈妈

看过，谢谢

CHY1

请问LZ, 我们是Smart Plus Cover, 孩子整呀， 但是牙医不是medibank 的合作商， 报价是7500。
请问这样我们能报回多少呀。
全家的牙都不好， 所以想升级， 请问您的建议？

feiyu299

CHY1 发表于 2013-6-15 08:39
请问LZ, 我们是Smart Plus Cover, 孩子整呀， 但是牙医不是medibank 的合作商， 报价是7500。
请问这样我 ...

牙齿整形是不是member's choice provider都没关系，报销比例都是一样的。你现在的产品是报花费的60%，每年不超过300，另外你的产品每年每个membership有200的bonus,加上之前没用的也可以用在这个项目上。

CHY1

feiyu299 发表于 2013-6-16 17:13
牙齿整形是不是member's choice provider都没关系，报销比例都是一样的。你现在的产品是报花费的60%，每 ...

谢谢啦！