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大家帮忙看看这个 [复制链接]

vicki

布鞋族

发表于 2005-8-26 11:11 |显示全部楼层

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

想买医疗保险, 除了坛子上推荐的medibank, 这个是freeoz上提到的, 但我怎么看看看不懂呢?

好象是个什么fund, 但又没说多少钱

www.hica.com.au

还有这个lifetime health cover 说要31岁前参加,要不贵什么的

Lifetime Health Cover
Lifetime Health Cover is a Government initiative that recognises the length of time a person has had hospital cover with a registered health fund.

People who take out hospital cover earlier in life and maintain their hospital cover will pay lower premiums throughout their life compared to someone who joins when they're older. Lifetime Health Cover commenced on 1 July 2000.

To lock in the lowest premiums for life under Lifetime Health Cover, a person needs to take out hospital cover with a registered fund before their 31st birthday. If a person does not have hospital cover on their 31st birthday and decides to take out hospital cover later in life, they will pay a 2% loading on top of their premium for every year they are aged over 30 at the time they join.. For example, someone who first takes out hospital cover at age 40 will pay 20% more than someone who first took out hospital cover at age 30.

People who were born on or before 1 July 1934 are exempt from Lifetime Health Cover and are able to join a health fund at any time in the future and pay the same premium as someone who takes out cover at age 30.

For more information about Lifetime Health Cover ring the Private Health Insurance Information Line on 1800 676 296 or visit the Commonwealth Department of Health and Aged Care web site at http://www.health.gov.au

astina

管理员

发表于 2005-8-26 11:24 |显示全部楼层

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

那个不是保险公司,只是提供CONSULTANCY服务,告诉你你的情况下,哪个保险产品合适

LIFETIME HEALTH COVER的原理是:一个人在比较年轻的时候开始买HOSPITAL COVER,应该得到奖励.具体表现为:一般情况下,30岁以下的人,保费为一个基准的X,超过30以后,每超过1岁,加2%.比如31岁就是1.02X,40岁就是1.20X.但是如果你31岁生日以前就开始购买PRIVATE INSURANCE (必须是HOSPITAL COVER),那么以后即使你超过了30岁,基准的那个X还是适用于你.

于无声处听惊雷