大家都是怎么买的医保来cover生小孩的呢？比如说我和老公之前的保险是medibank的my option，这个不能cover生孩子，如果打算要小孩是先把我的医保升级成能cover生小孩的，还是两个人一起upgrade比较划算呢？之所以有这样的疑问是因为听说两个人一起upgrade的话，小孩生出来之后自动被cover,不用再单交钱，但是如果只是一方先upgrade的话，小孩出来后还要再交钱.究竟是怎样的呢?谢谢
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小孩出来前2个月去Upgrade，又能帮你省钱，又能cover
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Not. Waiting period is 12 months so you need to upgrade before you plan to have baby
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你好像搞混了. 12个月的waiting period是管准妈妈孕期和生产的. 如果在宝宝出生前把保险改成family的, 这样宝宝一出生就cover,和爸妈在同一个保险下. 这样是为了防止宝宝早产, 要住小箱子的话, 保险也是cover 的. 不知道我说明白了没有.
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请问这两个月是根据什么得出来的呢? 是什么的waiting period吗? 谢谢!
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OH, I see.
I thought LZ was about to upgrade to be covered of giving birth. Did not know she wanted to cover the baby
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转到HCF，现在promotion，两个人还有$200 coles voucher 可以拿。。。
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说实话,我也没搞懂lz到底是想cover怀孕生产还是生了小宝宝以后.
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宝宝还没生呢，当然是既想cover生小孩，又想能cover将来出生的宝宝喽。
不知我理解得对不对，就是说如果没有提前将老公加进来变成family的保险，那么宝宝生出来在医院的那几天是不被保险cover的，需要自己给宝宝交住院护理之类的费用。
[ 本帖最后由 Ally 于 2009-9-28 23:21 编辑 ]
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you can follow the below steps to upgrade your cover accordingly:
1. Transfer your membership to a new cover which contains obstetric related services (SmartPlus, Intermediate hospital cover etc) 12 months prior to expected date of birth of your baby , keep your husband's membership as Myoptions;
2.When your baby is born, add him/her to your membership within 2 months from date of birth, then the baby can be covered from the date of birth, with no waiting periods; also transfer your husband's membership from Myoptions to your membership, as a family cover.
3.Your husband may spend his Flexi bonus prior to membership transfer, therefore, no waste on bonus.
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medibank的smartplus可以享受什么服务啊?
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谢谢medibank的答复
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