想造人啦，哪位推荐一下最值的私人医疗保险

wsedr

想造人啦，哪位推荐一下最值的私人医疗保险？？？

问了 medibank 了，80多一个月？很多医院可以选？ HBA 医院少些，而且也贵些，要90多。

大家还知道别的吗？

谢谢啦！

chelsea

medicare免费 0一个月

wsedr

什么意思，不太懂？

豆宝宝

MS就这两家

大球球

原帖由 wsedr 于 2009-7-3 00:49 发表
什么意思，不太懂？

就是说不买也能生,而且不要钱

big_beast

如果你是PR，可以享受免费医疗……

lilibet

要买的话要在due date前12个月买才有效

degra

原帖由 big_beast 于 2009-7-3 10:48 发表
如果你是PR，可以享受免费医疗……

是啊， 造人medicare 可以cover 的

wsedr

晕。。。

是不是我没说清楚？我当然知道 medicare 不用花钱啦！

不过 medicare 不能保证单人住宿、不能换医生、不能陪床、没有。。。

老婆就一个，当然要对她好些啦！

所以才要问“最值的私人医疗保险”嘛！！！

ily5476

撒花给LZ～～～好男人

chelsea

原帖由 wsedr 于 2009-7-3 18:29 发表
晕。。。

是不是我没说清楚？我当然知道 medicare 不用花钱啦！

不过 medicare 不能保证单人住宿、不能换医生、不能陪床、没有。。。

老婆就一个，当然要对她好些啦！

所以才要问“最值的私人医疗保险” ...

你错了

1. 单人房  只要交钱就能保证
2. 医生    公立私立都是要自己请私人OB的
3、不能陪床  其实是可以的，只要你有自己的OB,怎样都行
4. ....    ...

az246806

关注中~~~~

wsedr

可是我的朋友3月刚刚在新的皇家妇女医院生的，想加钱都没有单人间住（旁边那个鬼，晚上打呼噜非常响，大人孩子都睡不了），第三天有一间空出来了，没花钱就进去了；而且，我哥们儿想加钱也不能陪房，8点之后必须走，偷偷躲在厕所还暴露了，最后他的老婆两个晚上没睡，照顾BB，很辛苦。。。

不想我的老婆重蹈覆辙。。。希望各位帮忙，推荐一下最值的私人医疗保险

快乐每一天

我用的medibank

gwenily

I use medibank smartplus.

wsedr

还有好人吗？

谢谢楼上

wsedr

今天没分了，明后天给你们加分

redsummer

原帖由 wsedr 于 2009-7-6 02:40 发表
可是我的朋友3月刚刚在新的皇家妇女医院生的，想加钱都没有单人间住（旁边那个鬼，晚上打呼噜非常响，大人孩子都睡不了），第三天有一间空出来了，没花钱就进去了；而且，我哥们儿想加钱也不能陪房，8点之后必须走， ...

这个很恐怖
我也是最受不了别人打呼噜，
最最最受不了睡在有外人的地方
最最最最受不了老公不在身边陪着
请有经验的同学给说说吧，能看出lz很着急的

normal_man

我们用HCF

ayybaby

额~~~~~~~~不能陪阿，那买保险一定能陪吗？

happyapple76

买MEDIBANK, 选好点的私立医院，就能单人单间，老公可陪夜，而且晚上宝宝不用自己看，医院有人帮忙照看，妈妈可以好好休息。

ilovefamily

公立也一样吧
我朋友公立生的，没奶，孩子晚上老哭
她就按铃，让护士把孩子抱走了，说孩子哭，影响她休息和恢复
护士就抱走了，早上才送回来的。。。

WTFAUS

很多便宜的hospital cover，在住院期间要付excess的。稍贵的，很多不用付任何住院费用。这些要自己衡量的。
Medibank和HBA个人认为差不多。当然要看你以后想在哪个私立医院生，随后看那个医院是不是members first的。不是memeber first/choice的医院，你不一定能享受单间和各项免费的。
for HBA:
http://www.hba.com.au/public_ins ... health_provider.htm
Members First hospitals

Members First hospitals are selected private hospitals from our Participating hospital network. At Members First hospitals you receive 100% cover for your hospital expenses, including accommodation*, theatre and intensive care fees. You will also receive special benefits, including a single room or money back#, free daily newspaper, local telephone calls and TV in your room.

Medibank 狠tricky 不写的:
The names of Members' Choice providers are sent to our members on request, are available through the members enquiries phone number, listed on this website and distributed through Medibank Private Retail Centres and agencies. Due to our Trade Practices obligations Medibank Private does not recommend or encourage our members to go to any Members' Choice or non members' Choice provider.
http://www.medibank.com.au/Healt ... iders/Hospital.aspx

WTFAUS

【转】

The Cheapskates Way to Have Your Baby Privately
Approximate $ Savings: $1741.88

I only spent $1640 out of pocket to go have my baby in a private hospital, with the doctor I chose.
1. You don't have to have family/couple health cover. I had singles health insurance and so did my husband. When we wanted to start a family I increased my cover to include birth but left his the same. That way we saved a years worth of higher cover for him (we saved $544.20)
2. Find a doctor who allows all of their payment to be claimed by Medicare. Some doctors will have a 'gap' payment (e.g. $1000) that cannot be claimed by Medicare. Others allow you to claim the full amount (we saved $850).
3. Register for the Medicare safety net. When you have made more then $1000 in out of pocket medical expenses in one calendar year you then get 80% of future medical expenses back. Also try to make as many payments in the same calendar year (e.g. if your baby is due in February, ask if you can make your final payment in December to take advantage of the safety net)
4. Save all Medicare and doctors receipts for tax time. Medical expenses over $1500 in one financial year can be claimed as a tax deduction (part of the expense can anyway) (we claimed $347.68) You can get a financial statement from Medicare at the end of the financial year if you can't find all receipts. - Contributed by Laura, Sans Souci

老凳神

楼上这个个强的

wsedr

感谢楼上各位了，还没加的等俺有了分之后再给你们加吧，权限有限，万望海涵！

wsedr

可能还是选 medibank 了，除非 HCF 之类的小公司们可以减少 waiting persiod :) :)

riz

来学习的:)

gwenily

我是用medibank smartplus，在Sydney Adventist Hospital生。刚刚去医院看过，可以陪床，单间带电视，冰箱。医院寄的账单是顺产4天大概6000块，我们只需要付250块的excess fee。

sunrise

来学习!