提前多久将个人保险升级为family cover

zcz520

一年前就买了私人保险
预产期是明年3月，在私立医院生
一般需要提前将个人保险升级为family cover吗？
今天看到一个JM的贴子，才想起这个问题

monkeymagic

我当时是生之前就升级到cover我老公的，等宝宝出生了又升级到cover她的。。。

clovemel

出生后。

zcz520

谢谢LS两位
我是今早看到以下的贴
http://www.oursteps.com.au/bbs/v ... &extra=page%3D1
说是至少提前半年多升级你的保险为family cover是很重要的
所以我有点疑惑

lindaz

我是在孩子出生当天升级为family cover的，不过提前半个月和medibank已经办好手续了。

tianyahaijiao

lz,今天打电话去medibank问了, 说是single insurance也是cover 宝宝的, 只要在小孩子出生后的2个月内把名字加上就好了.
下面是我的medibank的册子里面找到的:
If you have a single membership
If you have a single membership you will need to add your baby within 2 months of the birth so your baby can be covered to the same level as you. Your baby will not
have to serve any waiting periods you have already served. This will change your membership from single to either family or single parent family (depending on your circumstances) from the day the baby is born and increased premiums will also apply from that date. If you wait until after the 2 month period to add your baby,
all waiting periods will apply to your baby and increased premiums will apply from the date your baby is added.

乌拉拉

原帖由 tianyahaijiao 于 2010-9-29 13:22 发表
lz,今天打电话去medibank问了, 说是single insurance也是cover 宝宝的, 只要在小孩子出生后的2个月内把名字加上就好了.
下面是我的medibank的册子里面找到的:
If you have a single membership
If you have a single ...

我记得我也曾经问过这个问题，medibank说如果是single cover的话，把bb加上去要付费的，好像加上去费用差不多等于加个lg了，倒不如直接加lg，之后可以cover所有的孩子。

Jenny2012

我前2天刚好去问了medibank关于加baby的事，他们回复说‘To ensure that your baby is protected by Medibank Private Health Insurance Cover and is covered by the waiting periods that you have already served, please ensure that you add your baby to your membership within 60 days of the birth. "

tianyahaijiao

反正不需要出生前6个月就加,

CC

我也问过medibank这个问题。我对他们回答的理解是：如果宝宝出生时是couple的cover，那么宝宝出生加上宝宝后就成为family cover，宝宝没有waiting period；如果宝宝出生时是single的cover，那么宝宝出生加上宝宝后就成为single parent cover，宝宝跟妈妈也没有waiting period；如果宝宝出生后2个月之内没有加宝宝，那么宝宝就有waiting period了，宝宝在医院的费用要自理。不知道这个理解对不对。

znby

如果我是楼主,我就在3月1日,或者孩子预产期前2周, 把个人升级为family,帮孩子爸爸也办好私人保险
当然，也会根据实际的促销情况决定是否早办理保险,比如前一个月有比较多的优惠折扣
总之会在生孩子前搞定老爸的保险

lindaz

我当时问过medibank, single cover include baby, 但是保险费要付270多每月，如果家庭保险只要266.80。当然family cover 合适了。

Jenny2012

想问一下，你选哪个cover? 我目前是Healthy Plus 然后计划升级到family cover，我刚刚看一下也才$157.90/m.

lindaz

我是blue ribbon cover.

zcz520

明白了
非常感谢大家