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关于家庭保险 [复制链接]

lucia丫头

布鞋族

发表于 2008-3-1 21:59 |显示全部楼层

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大家好啊,我的宝宝5月就要出来了，想问下大家都买什么样的家庭保险呢?

astina

管理员

发表于 2008-3-1 22:21 |显示全部楼层

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你具体指什么险种？health insurance?还是人身保险？

花生

钻石靴族

发表于 2008-3-1 22:41 |显示全部楼层

如果是Private health insurance，下面是choice的一些tips

此文章由花生原创或转贴，不代表本站立场和观点，版权归 oursteps.com.au 和作者花生所有！转贴必须注明作者、出处和本声明，并保持内容完整

Private health insurance gives you:
access to a private hospital which might be more luxurious than a public hospital
greater choice of doctor than you would get if you were treated in the public system and:
possibly shorter waiting times for some forms of elective (non-urgent) surgery.
Another thing to consider are the government incentives:

Which policy should I choose?
Health funds brochures can be difficult to understand and to compare but there are some general things to remember.

You can save money on your premium by:

Buying a product with an excess (an excess is an amount of money a member agrees to pay for a hospital stay before benefits are payable).
Buying a product where you pay a co-payment if you go into hospital (the member agrees to pay an agreed amount each time a service is provided -- usually a set amount per day).
Buying a product that excludes treatment for some conditions.
Buying a product that only covers you as a private patient in a public hospital.
You should check how many times the excess applies per calendar year. Sometimes it applies once, sometimes three times. As a general rule it's better to save money by choosing a product with a high excess rather than choosing a product that excludes treatment for some conditions.

A number of policies also place limits on some treatments (which means that the fund will only meet part of the costs) and may exclude coverage for some treatments altogether.

Commonly limited and excluded treatments include:

Assisted reproduction
Coronary bypass and major heart surgery
Cosmetic surgery
Cataract surgery
Hip, knee and other joint replacements
Obstetrics and birth related care
Psychiatric Care
Rehabilitation

So remember, if you specifically want coverage for any of these things, make sure you check and double check with your health fund to make sure they aren’t excluded or limited in any way.

静以修身，俭以养德。
淡泊明志，宁静致远。