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大宅

積分: 2598


1#
發表於 05-11-29 10:11 |只看該作者

Medical insurance for baby

I intend to buy medical insurance that includes both outpatient and hospitalization for my baby, but I don't want those insurance that specify doctor net. Any advise for good and reasonable price insurance???

Thanks


大宅

積分: 1917


2#
發表於 05-12-1 00:19 |只看該作者

Re: Medical insurance for baby

I recommend you to chosing BUPA for your baby.


複式洋房

積分: 355


3#
發表於 05-12-1 10:29 |只看該作者

Re: Medical insurance for baby

DELETED BY WEBMASTER
Please be noted that only authorized broker is allowed to post message to offer insurance services.
定期人壽保險大比併 危疾保險大比併 [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?mode=viewtopic&topic_id=393822&forum=39&start=90&viewmode=flat&order=1保險公司及銀行教育儲蓄大比併[/url] [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?topic_id=385555&forum=39&231?topic_id=267288&post_id=3659144&order=0&viewmode=thread&pid=0&forum=39#365914418家醫療保險大比併[/url]


大宅

積分: 2598


4#
發表於 05-12-1 11:31 |只看該作者

Re: Medical insurance for baby

I know BUPA but the scheme need to have a parent accopmanying a child, I don't need that since both my husband and myself are offered medical insurance by our companies. Any other recommendation???


伯爵府

積分: 19473


5#
發表於 05-12-1 11:41 |只看該作者

Re: Medical insurance for baby

I think the outpatient part is just simply not worth - for a normal child, the yearly medical expense should probably less then 3,000. You may just save up the money for insurance and pay direct to the doctor you choose.

The insurance company restrict your choice of doctor because they want to put a cap to your medical expense. If you can find one insurance which give you free choice of doctor, it WILL be very expensive, and you will be paying for other participants because there will be someone seeing doctor much frequent than your child.


複式洋房

積分: 355


6#
發表於 05-12-1 12:42 |只看該作者

Re: Medical insurance for baby

elegant,

no,no, "Bupa Care Child" which no need a parent accopmanying with your child !

That mean you can buy a medical plan for your baby.


elegant 寫道:
I know BUPA but the scheme need to have a parent accopmanying a child, I don't need that since both my husband and myself are offered medical insurance by our companies. Any other recommendation???
定期人壽保險大比併 危疾保險大比併 [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?mode=viewtopic&topic_id=393822&forum=39&start=90&viewmode=flat&order=1保險公司及銀行教育儲蓄大比併[/url] [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?topic_id=385555&forum=39&231?topic_id=267288&post_id=3659144&order=0&viewmode=thread&pid=0&forum=39#365914418家醫療保險大比併[/url]


大宅

積分: 2478


7#
發表於 05-12-1 14:54 |只看該作者

Re: Medical insurance for baby

You can ask your husband's or your company first. My company provides insurance option for dependents and spouse at a much lower cost, ie. about $1200 a year for a 4 year old child with outpatient part. The coverage is in fact just the same as mine.


大宅

積分: 2598


8#
發表於 05-12-1 17:39 |只看該作者

Re: Medical insurance for baby

Is BUPA care has a restricted doctor net???

[quote]
agnet_agent 寫道:
elegant,

no,no, "Bupa Care Child" which no need a parent accopmanying with your child !

That mean you can buy a medical plan for your baby.



大宅

積分: 2598


9#
發表於 05-12-1 17:42 |只看該作者

Re: Medical insurance for baby

My experience of spending nearly $3000 a year for my girl's doctor and medication fees when she was a few months, not to mention the insurance for hospitalization.

circleda 寫道:
I think the outpatient part is just simply not worth - for a normal child, the yearly medical expense should probably less then 3,000. You may just save up the money for insurance and pay direct to the doctor you choose.

The insurance company restrict your choice of doctor because they want to put a cap to your medical expense. If you can find one insurance which give you free choice of doctor, it WILL be very expensive, and you will be paying for other participants because there will be someone seeing doctor much frequent than your child.


民房

積分: 70


10#
發表於 05-12-1 20:17 |只看該作者

Re: Medical insurance for baby

For Bupa medical plan,you may select your own doctor


複式洋房

積分: 355


11#
發表於 05-12-2 12:33 |只看該作者

Re: Medical insurance for baby

elegant,

No clinical benefit on " Bupa Care Child"

This is only hospital and surgical benefit for "Bupa Care Child"




elegant 寫道:
Is BUPA care has a restricted doctor net???

[quote]
agnet_agent 寫道:
elegant,

no,no, "Bupa Care Child" which no need a parent accopmanying with your child !

That mean you can buy a medical plan for your baby.
定期人壽保險大比併 危疾保險大比併 [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?mode=viewtopic&topic_id=393822&forum=39&start=90&viewmode=flat&order=1保險公司及銀行教育儲蓄大比併[/url] [url=http://www.baby-kingdom.com/modules/newbb/viewtopic.php?topic_id=385555&forum=39&231?topic_id=267288&post_id=3659144&order=0&viewmode=thread&pid=0&forum=39#365914418家醫療保險大比併[/url]


大宅

積分: 2598


12#
發表於 05-12-3 15:58 |只看該作者

Re: Medical insurance for baby

I am not interested in just hospitalization, I am looking for both outpatient and hospitalization plan, BUPA is not the right choice because they have too many restriction. eg. a parent has to buy together with a child, restricted doctor net.


洋房

積分: 66


13#
發表於 05-12-6 00:01 |只看該作者

Re: Medical insurance for baby

DELETED BY WEBMASTER
Please be noted that only authorized broker is allowed to post message to offer insurance services.
Vivian Chan

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