我们决定在悉尼私人医院生孩子,联系了一个叫Terry的医生,他秘书回复了我们邮件,说让我们先提前一年买私人保险,我准备买medibank的,现在有几个问题想请交下
1.只是为了生小孩,我看了medibank的网站,只要选mid hospital cover就可够了吧?现在是monthly 84.45 with 250 excess fee,比去年的79快好像涨价了。还有大家说选250还是选 no excess fee呢?
2.在私人医生的回复邮件里面有这样一句:“Please ensure that they also cover for your pregnancy management.”,请问这个pregnancy management是指什么呢?在mid hosital cover里面不知道有没有呢?我在下面列举了medibank对mid这个option的benefit的描述,大家帮我看看,是不是包括了pregnancy management?
What benefits are paid?
For the services included under each of our covers, we'll pay benefits (less any applicable excess) towards:
---private hospital accommodation
overnight accommodation in a private or shared room
same day admissions
intensive care
theatre fees
---public hospital accommodation as a private patient
overnight accommodation in a private or shared room
same day admissions (shared room only)
doctors' fees for in-hospital medical services when you are treated as a private patient
surgically implanted prostheses and other items on the Federal Government's Prostheses Schedule.
[ 本帖最后由 pikachuzjl 于 2011-4-8 15:17 编辑 ]
评论
保险公司只管医院里面产生的费用,management fee 不包的,可以从medicare拿回400多!
我用的是smartplus,月费120几的
评论
谢谢楼上的回答,不过既然医生的邮件里回复了这句"Please ensure that they also cover for your pregnancy management." 说明是不是真的有可以cover pregnancy management 的保险呢?其他人知道不?
评论
不是,是有些level的不包括pregnancy的费用的。
评论
哦,谢谢啦,mid那个保险option里面写有个"Obstetrics-related services eg. pregnancy"的,应该就是包括了这些pregnancy management了吧
评论
不是。2楼已经回答了。Mid Hospital cover只包括Obstetrics-related services 付给医院的生产费用,不管给OB的费用。Pregnancy management是给OB的费用,可以找Medicare报销一小部分。
评论
是啊,不用想了,给OB先期的钱,没的COVER
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