求教：保私保和生孩子的问题？

inggogo · 发表于 2015-3-24 10:06:27

我们家用的是medibank,从bupa转过来的，没什么太大差别，价钱差不多。不管哪家公司的保险，不管你买了hospital，还是外加extra,保险只包住医院里的一切费用。看私人医生的费用medicare报销一点点。去公立医院做私立病人，跟去私立医院是一样的。
公立医院，有medicare免费。
公立医院私立病人，私人保险，住院保险cover. 自己选产科医生，从头到位都是一个看，这个费用自己出。如果你去公立，最好问一下你心仪的产科医生去那个医院接生嘛。

我是定了私立医院的，同样花那么多钱，还不去享受星级服务。

阳灿视觉??Q5051 · 发表于 2015-3-24 11:17:44

我打电话问保险公司，他们说大部分费用是不需要claim，直接看病时刷保险卡就可以了，这是不是真的？
out patient费都有哪些啊，不是都是去医院检查吗？
还有，看GP的费用给报销吗？

有何不可 · 发表于 2015-3-24 22:02:42

所以去公立医院做私立病人生孩子，产科医生的费用还是要自己负担的咯？

thaihack · 发表于 2015-3-25 07:00:26

那花钱做私立病人到底有什么好？本来去公立医院生孩子就不要钱的啊，就只是不会有实习医生给你看病这一点不同吗？

zxljake · 发表于 2015-3-25 12:19:19

应该是的。下面这段供你参考。

About private care with an obstetrician

You may choose to be cared for privately by an obstetrician. Usually, as a private patient, you will have your baby in a private hospital but you can also choose to be a private patient in a public hospital.

If you choose to be a private patient in a public hospital you will not be guaranteed a single room and you will be responsible for hospital, medical and diagnostic expenses. Health insurance only covers your hospital and medical expenses for the birth of your baby, not your pregnancy related visits or expenses. However, part of those expenses will be covered by Medicare.

Private health funds usually require membership for at least one year before they will cover you for maternity services. Check your policy carefully to understand what is covered and what is not. Usually you can elect the level of cover you want so you may choose to make some changes if you already have a policy in place. Check with your obstetrician about whether you can expect out of pocket fees for the following services:

hospital admission
medical fees
diagnostic fees (ultrasound and blood tests).

If you have a single hospital policy, it won’t cover the cost of dependent children. This is only a problem if your baby needs to be admitted to hospital after they are born in a private hospital. If your baby is born healthy, they will not be formally admitted to hospital, but if they are premature or require some kind of treatment they will be admitted to hospital and this can increase your costs significantly. If you give birth to twins, at least one of the twins will be admitted to hospital.

Speak with your insurance company about the limitations of your policy. Most hospitals also have liaison officers who can help you with any questions you may have.

Your local doctor may help you to choose an obstetrician and can provide a referral. You can also contact the private maternity hospitals directly and ask for a list of their practicing doctors. Alternately you can search for a doctor by using the Royal Australian and New Zealand College of Obstetricians and Gynaecologists.