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 请问东区这边 有没有古筝老师新西兰东区这边 有没有古筝老师？ 评论 有，我们就在学 评论 您能告诉我地址吗？ 英文教学吗？ 我女儿中文听不太懂。 谢谢 评论 could you pls pm me? 0225121985 erin. thanks 评论 东区有个，但是评价 ... 请教中学择校问题新西兰我家是女孩，目前在国内读6年级，有计划想让她后面来新西兰读书。 我们的基本情况是，有NZ PR，目前国内就读东部省会城市二流公立小学，班里大概稳定在前10吧 来新西兰考虑租房上 ... 宝宝出生证信息更改需要多久？新西兰我家宝宝的出生证上我跟老公的名字和我们的护照名字不一致，因为当初出生登记的时候我们还加上了自己的英文名。但是没想到会影响孩子重新换护照，大使馆说父母名字必须一致。 ... remuera primary 还是 st Kentigern boys新西兰这两年都在国内生活，两男娃都到了可以上小学的年纪打算回来读小学，国内环境确实不好而且太卷。现在比较纠结，这两个学校该选那个，孩子体育跟学术都还行，老外朋友建议remu ... Epsom normal primary school新西兰如题，大家都听过的学校，有了解的家长说说吗，最近的学校情况如何，校风可好？种族比例合理吗？学习抓得紧还是放养？印度校长之下果真是印度学生人数失衡？过来的家长推荐吗 ... 回国生后宝宝怎么回新西兰新西兰我和我老婆都是中国护照，这边PR。 老婆要回国生小孩的话，请问宝宝是怎么申请新西兰的签证呢？ 能直接申请新西兰PR吗？ 请有相关经验的朋友分享一下， 宝宝大约要多久才能回新西 ... 万圣节狂欢派对（Free）新西兰万圣节狂欢派对 时间：10月28、29日 1-4PM 东区地址：559 Chapel Road East Tamaki(周六) 中区地址：Silver Rd Epsom ，EGGS（周日) 活动内容 百变小咖秀 亲子逗趣竟技 亲子创意手工DIY Face Paining 抽奖活 ... 新西兰高中数学 NCEA及剑桥体系 介绍与比较新西兰NCEA（新西兰国家高中证书）和剑桥国际教育是两种不同的高中数学教育体系，它们之间存在一些明显的区别。 体系管理 NCEA是由新西兰国家教育部管理的国家性教育体系，广泛应用于新 ... After School Care 中文课新西兰我的孩子2024年初在Cornwall Park District School 读小学。请问，这个学校附近有学中文的after school care吗？能直接接孩子去，然后下午5点，家长下班之后去接孩子吗？微信JackieJing2021 谢谢！ ... 请教几个学校如何，谢谢新西兰想了解一下学校的具体情况，如Mt Eden primary school, Remuera primary school, Victoria ave school 请有了解或者有孩子在学校的宝爸宝妈们不吝赐教，任何方面的信息都欢迎，万分感谢！ 评论 ...... ... 孩子小学一年级School Holiday期间怎么办新西兰想在这里请教一下，我孩子下个月上小学一年级，圣诞节前后肯定要开始School Holiday, 我们两人在圣诞节公共假日后到一月底都是全日制5天上班。请问大家知道有什么解决办法吗？ 这边 ... 想建一个宝宝过敏哮喘的家长群或者加入一个 请新西兰最近两个孩子都是尘螨、花粉过敏 引起的哮喘咳嗽不断 身边的孩子类似的情况也挺多想大家一起交流交流 分享治疗和预防经验 共同帮助孩子顺利度过这些过敏期 这是家里老大（3岁半 ... Albany Massey附近羽毛球俱乐部新西兰大家好，我是一位新手宝妈，对羽毛球非常感兴趣，希望能找到一个业余水平的羽毛球群组，与大家一起练习和交流。我目前的时间比较灵活，傍晚是我比较方便参加羽毛球活动的时间 ... 9月29日周五上午Panmure图书馆里的趣味游戏 |59岁亚新西兰在Foundation North的资助下，奥克兰体育将走进Panmure社区，与华社服一起邀请小朋友们和家长朋友们参与到趣味游戏活动中来。小朋友将参加有组织的游戏，之后自由游戏，而家长朋友们将 ... 公益免费讲座：长远取胜 （欢迎家长们参加，免新西兰孩子的身心健康与幸福是天下父母最为关心的事情了。亚裔新移民父母也不例外。 为了让孩子茁壮成长，更好地融入新西兰主流社会，以及为日后升学做准备，有的亚裔新移民家长仍把 ... 关于中区的校区问题~~~新西兰想请问有经验的大大们，中区有哪些校区推荐呢？ mt eden, mt albert, grey lynn, one tree hill 附近？ remerewa ???? 小学+初中+高中 类似东区有的区是在 鸽子山小学+BBI + maclean高中 还有些是point vi ... 【中秋月饼亲子活动】 奥克兰中区EPSOM 9月24日新西兰评论 dddddddddddddddddddddddddd 评论 ddddddddddddddddddddddddd 评论 dddddddddddddddddddddddddddd 评论 ddddddddddddddddddddddd 评论 ddddddddddddddddddddddddddddddd 评论 ddddddddddddddddddddddddddddddddddddd ... 马上迎来2个月假期了，东区有没有homebased child新西兰马上放假2个月，小学也不上课了，有没有托管小孩的地方推荐？小孩5岁半，家住奥克兰东区。 评论 可以来我们安心托管，EPSOM NORMAL PRIMARY SCHOOL旁，长年可日托，VX名：ccmabel6 评论 安心 ... 送报纸的工作在哪里找啊新西兰在奥克兰找一个送报纸的工作（paper runner）到底在哪里找啊，别的说的都很模糊，自己也找十几个小时了，根本找不到，真不知道该怎么办了，或者除了这个还有没有什么小孩可以干的 ... 儿童启蒙游戏编程教程PyGame新西兰----------------------------- 转载 ------------------------------------- 为了简单起见，这里使用的开发环境是基于Windows。 我这里尽量用最简单的步骤来完成一切。 首先我们需要在电脑中安装Python语 ... |