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zpai 发表于 2013-1-23 15:19 
我看了Bupa楼上推荐的
如果已经有点疾病不可以
What is not covered?
Full costs at private hospitals
If you choose to be treated at a private hospital you will only receive minimum benefits as set by the Government for shared or single room accommodation.
Due to the high cost of medical treatment, minimum benefits will not be adequate to cover all hospital and medical costs and you may incur large out-of-pocket expenses on this level of cover. We therefore recommend that you use a public hospital to get the most value from your health cover.
During a Waiting Period
A waiting period starts from the date you join and is the time between when you joined us and when you are covered for a service or treatment. During a waiting period you are not covered and will not receive any benefits for the types of treatment affected by the waiting period. Once the waiting period is over, you will receive the full benefits listed under your level of cover for that treatment type. All hospital covers have 12 month waiting periods for pre-existing conditions and pregnancy (childbirth), where applicable.
If you transfer to us from another health fund on an equivalent level of cover we will honour all the waiting periods you have already served when we receive confirmation of your previous membership and level of cover, but you will need to join within 60 days of leaving the other fund.
When you upgrade to a higher level of cover, the benefits from your previous level of cover apply during waiting periods.
Minimum Benefits
If a service is covered as a Minimum Benefit, this means you will be fully covered with your choice of doctor for shared room accommodation in a public hospital only. If you go to a private hospital for a specific service which has Minimum Benefit, it is likely to result in large out-of-pocket expenses. Minimum Benefits are an amount set by the Government and are generally not adequate to cover costs in a private hospital.
Some hospital covers give Minimum Benefits for specific services for the duration of that cover. If Minimum Benefits apply for other treatments under this level of cover, they will be listed below.
Exclusions
Some covers exclude specific services. This means you will not be covered for that specified service or treatment whilst on that level of cover.
For the duration on this level of cover you will not receive cover for:
any treatment outside of Australia
assisted reproductive services (including IVF)
hip and knee joint replacement including arthroplasty, revision and resurfacing procedures
cataract and eye lens procedures
cosmetic surgery and sterilisation reversal
services not covered by Medicare
expenses relating to medical examinations, X-rays, inoculations or vaccinations or other treatments related to acquiring a visa or permanent residency
Services and situations not covered by health funds
There are some hospital services that are generally not covered under a health fund's hospital cover such as:
Treatment during a waiting period
When specific services or treatments are paid at minimum benefits or excluded from your level of cover
When you are treated at a non-agreement hospital you will not be fully covered for the fixed fee charged by a fixed fee hospital
When you have not been admitted into a hospital and are treated as an outpatient, you will not be fully covered (e.g. Emergency room treatment, outpatient ante-natal consultations with an obstetrician)
Hospital treatment provided by a practitioner not authorised by a hospital to provide that treatment
Hospital treatment for which Medicare pays no benefit, including: medical costs in relation to surgical podiatry (including the fees charged by the podiatric surgeon); most cosmetic surgery; respite care; experimental treatment and/or any treatment/procedure not approved by the Medical Services Advisory Committee (MSAC)
Personal expenses such as: pay TV, non-local phone calls, newspapers, boarder fees, meals ordered for your visitors, hairdressing and any other personal expenses charged to you unless included in your cover
If you are in hospital for more than 35 days and have been classified as a 'nursing home type' patient. In this situation you may receive limited benefits and be required to make a personal contribution towards the cost of your care and accommodation
For pharmacy items not opened at the point of leaving the hospital, unless covered under your selected visitors cover or Extras benefits
If you choose to use your own allied health provider rather than the hospital's practitioner for services that form part of your in-hospital treatment (e.g. chiropractors, dietitians or psychologists)
Where compensation, damages or benefits may be claimed by another source (e.g. workers compensation)
Any treatments or services rendered outside Australia
Experimental treatment and some non-PBS, high cost drugs
Waiting periods - Hospital
Psychiatric and rehabilitation 1 year
Pregnancy related services (including childbirth) 1 year
Pre-existing conditions, ailments or illnesses for hospital and out-patient medical services 1 year
以上這些不包，好像沒有看到你說的高血壓亞 |
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酥辣炒馒头（香脆版） (2007-12-5) hattie 
再见青春 (2011-10-28) 坏果子 
楼主:hester
发表于 2013-1-22 11:43
