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MBP my option and HBA young couple choice etc were designed only for high income people to ovoid Medicare levy surcharge. It offer limited private hospital cover.
For example, Medibank private My option covers private hospital admission only for accidental injuries, knee and shoulder reconstruction, appendicectomy, tonsils and adenoids, wisdom teeth.
For all other surgeries e.g hernia repair, laparoscopy (e.g ovarian cyst, endometriosis), hysteroscopy, curettage for miscarriage, termination of pregnancy, gastroscopy etc, MBP my option only cover you in a public hospital as a private patient (under restrict services). obstetrics-related services, IVF, angiograms or open heart and bypass surgery, hip and knee replacement, major eye surgery, plastic and reconstructive surgery are excluded.
Please note you have much less option and may have longer waiting period as a private patient in a public hospital.
If you mainly want to cover dental works, I suggest you to take up HBA my choice extra. You can choose General Dental, Major Dental, Orthodontics + another choice (Optical, or physio, or Natural Therapies (Chinese medicine), or Pharmacy). These give you better dental cover than general extra cover. Please see the link below
http://www.hba.com.au/public_ins ... hoice_Extras.action
[ 本帖最后由 whuang 于 2009-7-19 23:11 编辑 ] |
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