在新西兰
亲们，最想正想给我家娃买保险，看到置顶里说Tower家的$13刀多，靠谱不，有姐妹们买过么，我家的房屋倒是在T家买的。主要就是不知道为啥这么便宜昵，到时理赔好不好啊。价格倒是挺吸引滴。。。。。
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我家买de是onepath
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Onepath是和大人一起买的么，多少钱呢
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宝宝看病要花钱啊，不是免费的吗？
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我也是买的onepath 跟父母一起的 不记得多少钱..
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我刚给宝宝加到我southern cross里面的，才4.1一周啊
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噢，值得买。
不过那6岁以后就不免费了吗？
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4.1一周，16刀多一个月？
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family discount, 8tower.
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那挺好的，tower家的保障怎么样呢？
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还行吧，这个是包专家的。
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谢谢大家，对比了几家后已经决定在保险经纪这这买tower家的了，大人买了另一家，她这样给我组合后还挺好的。
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3.18是哪个plan？
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可以email我详情吗，[email protected]
有兴趣。
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也请EMAIL一下给我 谢谢
[email protected]
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please email me as well
sammiesmiles_at_gmail_dot_com
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顺便帖上 SC的WB2和tower的Premier care+speciallist的比较吧
| | TOWER Premier Health Specialist Benefit Remove | Southern Cross Wellbeing Two Remove |
| Policy | ||
| Company/Policy name | TOWER Premier Health Specialist Benefit | Southern Cross Wellbeing Two |
| Financial strength rating | A- (Excellent) A.M. Best | A+ (Strong) Standard and Poor's |
| Contact phone number | 0800 754 754 | 0800 800 181 |
Insurance type | Hospital plus specialists and tests cover | Hospital plus specialists and tests cover |
| Ratings | ||
| Policy cover |  |  |
| Policy cover & maximum payouts | ||
| Hospital cover - surgical | $300,000 per person per year | $100,000/operation |
| Hospital cover - non-surgical | $200,000 per person per year | $60,000 per year for chemotherapy benefit, radiotherapy benefit $25,000. |
| Specialist consultations | Covered under hospitalisation maximums up to 6 months prior to surgery and 6 months after, if related to that surgery. | Consultation maximums vary by specialty. No annual limits. |
| Major diagnostic procedures associated with hospitalisation | Covered under hospitalisation maximums up to 6 months prior to hospitalisation and 6 months after. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Major diagnostic procedures not associated with hospitalisation | Base cover: Covers the following diagnostic after referral by GP or registered specialist: Arthroscopy, Capsule endoscopy, colonoscopy, colposcopy, CT Scan, CT Angiogram, Cystoscopy, Gastrocospy, MRI Scan. No limit per diagnostic investigation. Covered under surgical or non-surgical limits. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Additional specialist cover | Specialist option: Specialist benefits available with no maximums on specialist consultation after referral by a GP or registered specialist, even when the insured person has not been, or will not be hospitalised. (No excess on specialist option). Diagnostic radiology and imaging with maximums by procedure. | Oncologist: $300 or $125/consultation; Psychiatrist: $750/year |
| Additional diagnostic cover | Specialist option: $3000 limit per person per year on any diagnostic. $60,000 per person per year on cardiac investigations. (No excess on specialist option.) | X-rays, ultrasounds, mammography, nuclear scanning, lab tests maximums vary by procedure/test. |
| Post-op physiotherapy | $750 hospitalisation. | In-hospital physio covered under $100,000/operation. Out of hospital $60/visit, $300 year. Must be within 4 months after surgery. |
| Post-op home nursing | $150 per person per day, $6000/year | $125/day, $2000/year. Must be within 4 months after surgery. |
| Minor surgery benefit | $750 per person per year at GP's; skin lesions surgery $6000 per year. | Minor surgery and procedures in GP's rooms $450/operation/procedure. $7500 per claims year for minor skin surgery under local anaesthetic by a specialist. |
| Overseas treatment | $20,000 per overseas visit | $10,000/year |
| Suspension of cover | 3-24 months if overseas; 3-6 months if unemployed. | 2-12 months if overseas or redundant once per lifetime for up to 3 months. |
| Support person/parent accommodation benefit | $200/night, $3000/hospitalisation | $100/night $500/year, parent of hospitalised child |
| Public hospital benefit | $300/night, for the third and each subquent night - $3000 per policy year | $50/night, $2400/year. |
| Death/funeral benefit | If policyholder dies before the age of 65. Premiums paid for two years or until surviving person turns 65 whichever happens first. Funeral support grant $3000. | $2400 funeral allowance, on death of any current member before age 65 years from causes other than accidental. If the Policyholder dies under age 60, surviving dependants named on policy covered for 2 years free of charge. |
| Pharmaceuticals | Pharmac only - non-Pharmac funded for Cancer Assistance Benefit | Pharmac only - non-Pharmac approved MedSafe indicated chemotherapy drugs available up to 50 percent of the cost and $10,000 per claims year. |
| Alternative medical providers | Osteopath, chiropractor, occupational therapy, dietician. | Optional extra |
| Additional benefits | Obstetrics benefit. Sterilisation $1000; ambulance transfer benefit; medical examination $100 covered after three continuous years; ACC top up, cancer benefit,travel and accommodation benefit. | Palliative care and treatment allowance. Post-operative Speech and Language therapy. Sterilisation allowance, after 12 months cover. Being active benefit, obstetrics, gastric banding/bypass and breast reduction allowances after three years. Post mastectomy allowance to achieve breast symmetry. Ambulance allowance. Psychiatric Care. 评论 非常感谢! 评论 Lily 麻烦一下给我发 [email protected] 谢谢 奥克兰北岸的Torbay School, Glamorgan School 和 Oteha V新西兰家长们，奥克兰北岸的Torbay School, Glamorgan School 和 Oteha Valley School 哪一个的教学质量比较好？从其他城市搬来奥克兰的家长向大家请教。谢谢！ 评论 這幾所都不錯啊，Torbay洋人孩子比較 ... 给宝宝办了旅行证后，回中国的机票可以用护照新西兰原来不知道旅行证这个东西，以为新西兰籍宝宝去中国直接办理中国签证就行。结果初审都没通过，说我们这种情况无法办理签证，只能办理旅行证。 那么问题来了，我们是先买的机票 ... 学习钢琴的家长新西兰请问大家一个问题， 我家小孩和钢琴老师学琴学了5 年了， 每个星期一节课， 价格也不便宜。上个星期和小孩聊天， 无意间小孩说老师上课经常刷手机， 请问你们家的钢琴老师也有一 ... 寻找家里有体育方面的gifted child的家庭新西兰尊敬的家长朋友，大家好， 我正在进行一项关于华裔家长在新西兰培养体育天才子女的研究，旨在探讨家长们为何重视体育活动、他们如何看待体育在孩子全面发展和未来成功中的作用 ... 闺蜜刚生娃，送点啥好呢？新西兰闺蜜头胎。不知道送个啥礼物合适，想请各位妈妈们给个建议。 想过送红包怕太俗气，送金也买不到24k的，想问问有什么比较实用及对妈妈有帮助的。多谢，多谢啦！ 评论 送避孕套吧 ... 这样喜欢卷，怎么不回国卷？新西兰一谈回国，就卷不动了？ 评论 我其实挺想让孩子回国卷，不光是为了卷学习，我其实对学习要求也不高，主是为了那种不放弃肯钻研坚强心智的精神 在这边孩子心智太fragile了，不怪自 ... 家有2男孩，现在Auckland Grammar 还能去吗？新西兰如题，家有2男孩，目前老大在惠灵顿读year6，但是有考虑来奥克兰读高中。 私立我们现在排队也根本进不去，就想买个学区房去AGS。 之前看人吐槽说工签的孩子把东区那个公立学校挤爆 ... 2025入學註冊困難重重新西兰沒有想過小孩子讀書在紐西蘭註冊是多麼的困難，Flat Bush、 人口不斷增長、房屋不斷增長、學校根本沒有增加，一些沒有學區的地方，要是申請學區都已經直接拒絕，沒有學區住的人， ... year 4 and year 0 学习英文新西兰大家好，我们是新移民来的，家里的yr4和yr0 英语目前跟不上，有没有什么可以推荐去online，或者去现场学习或者家教推荐一下的啊？孩子们说想要会中文的教，一上来就全套英文的，估 ... 求入西区家长群新西兰住西区 想多认识些附近的家长 有类似的群求加入 评论 同求同求同求 评论 要不搂住建一个吧 求拉 评论 同求同求 评论 留下微信号吧 评论 留下微信号吧 评论 leo232659 微信 评论 wangyux ... 中国妈妈产后身体活动调查新西兰您好！您是产后两年或两年内的中国妈妈吗？ 如果是，那么我们非常想听听您的体育锻炼经验（如果您没有体育锻炼经验，也可以参与我们的调查）。我们是 VUW 的研究人员，正在调查 ... 研究招募两年内生完孩子的中国妈妈新西兰您好！您是产后两年或两年内的中国妈妈吗？ 如果是，那么我们非常想听听您的体育锻炼经验（如果您没有体育锻炼经验，也可以参与我们的调查）。我们是 VUW 的研究人员，正在调查 ... 后院有游泳池的喜与烦恼，大家一起聊聊新西兰后院有游泳池的喜与烦恼，大家一起聊聊，最近议会检查游泳池维护没有能过，亲们，有经验的一起分享一下，多谢 评论 能说说具体哪里不合格么？ 评论 多聊聊我最近也在看带泳池的 ... 东区靠近botany town center 需要家教新西兰东区靠近botany town center 需要家教，八岁男孩，现在上5年级， 需要一位家教，最好是就读大学生，计算机编程专业，需要辅导小孩编程基础，需要英文教学 每周可以保证足够时长，时薪 ... 有没有西区或者中区的宝妈一起遛娃呀新西兰有没有工作日西区或者中区倒霉路啊附近的宝妈一起遛娃呀，其他区的也可以哦，我喜欢带着孩子到处跑，仅限奥克兰哦，哈哈哈 ，本人全职妈妈，孩子特别喜欢跟小朋友一起玩耍喜欢 ... 孩子的学习桌椅是国内运过来还是本地购买的新西兰评论 这个本地买就行了吧 评论 一定要从国内私人定制空运过来。还有家具被褥枕头衣服鞋袜牙膏牙刷擦屁股纸等所有日常用品，食物和水就算了，进入新西兰太麻烦，不建议。再苦不 ... 孩子成长的太快了！新西兰女儿准备去上武术课，临走前先在家练练，她爸陪练，看她打的还挺有那个架势和气势。一招一式，都能听到起势唰唰的响。 练完一套，她爸说，‘跟你妈也比划比划’。 然后她朝我迈 ... 去哪里上学？新西兰下半年想带小孩来上学（上一年级），第一年还是想在奥克兰，学校该怎么选啊？看大家挺鄙视私立的，私立贵吗？ 我们只是来促进本地消费的，不和大家竞争，大家手下留情啊 评论 ... 孩子的早恋新西兰初中一开始孩子就说学校里已经成了好几对，也有几个男生喜欢她。 不想打击她对她太严格，就说提醒她现在在太小（刚12岁）不要交男朋友。 今天孩子的好朋友在家发了很大一顿脾气 ... 想了解一下学校的具体情况Ponsonby Primary School,B新西兰想了解一下这几个学校的具体情况，Ponsonby Primary School,Bayfield School,Ponsonby Intermediate 请了解情况的给介绍一下，万分感谢！ 评论 Bayfield非常一般，好几十个孩子在一个教室，虽然名义上 ... |