收到medibank信，说免费可以从Blue Ribbon Extras switch到 Top Extras 70.说了一些好处。深信天下没有免费的午餐，看了一下两个details，发现有不少不一样。请问大家觉得值得换吗？ 我们现在就报一些，按摩，眼睛，看牙（包括洁牙和补牙）。
Thanks!
这个是blue Ribbon的
Extras Component
Services Annual limit Waiting period
Ambulance Services No annual limit 2 months
General dental Unlimited
$300 sub-limit during first 6 months 2 months
Endodontic Services $400 - $800 12 months
Optical items $250
sub-limit of $92 for frames $200 for contact lenses 6 months
Physiotherapy $700 2 months
Pharmaceutical $600 2 months
Major dental $2000 for services in this category but not to exceed each sub-category limit 12 months
Inlay/Onlay $300 - $700
Dentures, Crowns and Bridges $400 - $800
Orthodontic $400 - $800
Lifetime limit of $2400
Periodontic $300 - $700
Alternative Therapies $500 for services in this category but not to exceed each sub-category limit 2 months
Chiro/Osteo $400
Acupuncture $400
Naturopathy $400
Natural therapies $150 sub-limit 2 months
including myotherapy, remedial massage, reflexology, western herbalism, chinese herbalism, shiatsu, exercise physiology, Alexander technique, Bowen Therapy, aromatherapy, Kinesiology
Other Therapies $1000 for services in this category but not to exceed each sub-category limit 2 months
Podiatry $400
Dietetics $400
Occupational therapy $400
Speech therapy $400
Orthoptics (eye therapy) $400
Health appliances $1000 for services in this category but not to exceed each sub-category limit
Hearing aids $800 36 months
Breathing Appliances $180 per membership every 3 years 12 months
Blood Glucose monitors $240 per membership every 3 years and $150 per person every 3 years 24 months
Other Health Appliances $500 2 months
Clinical Psychology $400 2 months
School Accident $800 2 months
下面是Top Extras 70的
Extras Component
We'll pay benefits towards the items and services listed in the table below. It shows the relevant waiting periods and the annual limits that apply per person per calendar year under each level of cover.
Services Annual limit Waiting period
Ambulance services
(More Info >) No annual limit 2 months
General dental (excluding surgical treatment)
No annual limit 2 months
General dental (surgical treatment)
12 months
Optical items
$225 6 months
Physiotherapy
$600 2 months
Chiropractic $400 2 months
Osteopathy 2 months
Natural therapies
$300 2 months
Major dental^
$1,000 12 months
Orthodontics
$800 open bal.
Top up $400 per yr
$2,400 lifetime limit 12 months
Prescriptions pharmaceutical (non-PBS)
$400 2 months
Dietetics $400 2 months
Podiatry
$400 2 months
Clinical psychology
$400 2 months
Occupational therapy $400 2 months
Speech therapy $400 2 months
Eye therapy $400 2 months
Breathing appliances
$200 12 months
Blood glucose monitors 24 months
Hearing aids $800 36 months
Health appliances and external prostheses
$400 2 months
Laser eye surgery
No
36 months
Health subscriptions
No
2 months
Health screening services
No
2 months
Private hospital accident & emergency facility fees
No
2 months
Home nursing
No
2 months
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