私人保险 - 457 签证(已过期)

nick5665

大家都买哪个保险公司的？都cover什么了啊 ?
我买的是bupa的，每两周40多吧。

我看了一下，上面说cover这些东西，是不是不包括检查身体的费用啊，比如做个超声、X-ray什么的？：
如果想cover仪器检查的，应该加保什么呢？会不会费用太高？

Hospital Costs
You will be covered for treatment in any public hospital in Australia.  
When admitted to a public hospital, in most cases you will be covered
for all in-hospital charges including;
 Accommodation for overnight or same day stays (shared room
only)
 Operating theatre, intensive care and labour ward fees
 Supplied pharmaceuticals approved by the Pharmaceutical
Benefits Scheme (PBS) and provided as part of your in-hospital
treatment
 Allied services including physiotherapy, occupational therapy and
dietetics
 Medication, dressings and other consumables
 Most diagnostic tests (eg. pathology, radiology)
 No gap prostheses that are surgically implanted, Government
recognised and remain in-situ upon discharge
Medical Costs
These are the fees charged by a doctor, surgeon, anaesthetist or
other specialist for any treatment given to you. You are covered for;
 The cost of in-patient medical services up to 100% of the
Australian Medical Association (AMA) Schedule fee. This is the
amount determined by the AMA as the appropriate fee for a
specific service;
 Medical treatment as a hospital out-patient or by a doctor or
specialist in private practice anywhere in Australia, for up to
100% of the Medicare Benefits Schedule (MBS). This is the
amount determined by the Federal Government as the
appropriate fee for a specific service; and
 Selected pharmacy items prescribed as a hospital out-patient or
by a doctor or specialist. You’ll receive 90% of the cost per script
item up to a maximum of $500 per person per calendar year. This
is provided the items usage is approved by the Therapeutic
Goods Administration (TGA)
If your specialist charges more than the Schedule Fee there will be a
‘gap’ for you to pay. However, our Medical Gap Scheme can help
eliminate or reduce the gap for you (see below).  
Other Costs
You will also receive;
 Full ambulance cover including uncapped emergency and nonemergency transportation and on-the-spot treatment.
 Full cover for repatriation if terminally ill to your country of origin
or return of mortal remains once authorised by Bupa. You will
also receive cover for repatriation if you suffer a substantial life
altering illness or injury to your country of origin. This is up to a
commercially reasonable amount once the repatriation is
authorised by Bupa.

老杏

一般私人保险都只管住院期间的花费,所以叫做hospital cover.

洋芋土豆

就买Visitor Cover呗,号称跟Medicare Cover一样的,但不能Bulk Billing,好多东东都要自己Pay,但没办法,没更好的

mingmingruirui

MADIBANK有兩種 一種是WORKING HOSPITAL INSURANCE一種是WORKING INSURANCE AND MEDICAL INSURANCE 第二種和MADICARE差不多
如果申請457工作簽證 第一種就夠了 但是COVER的範圍不同 費用當然也就不同 WORKING HOSPITAL INSURANCE好像不包含看GP 和看急診 只包含住院 救護車 手術等費用

Catherineli

同问，有没有听过iman啊，据说这个貌似挺实惠的，我也在了解中。

shiziqishi

BUPA比MEDIBANK便宜每月20块吧