I would like to express my opinion, I am a travel agent, not insurance agent.
My sister-in-law is a nurse in government hospital and her husband is a gov servant. They are not very wealthy, lots of bills to pay, house, maid, parents... they have the right to use first class ward (however, always full, cannot queue up until the last day of her baby born!) but still they buy medical so I feel it is useful.
I am a crazy insured person coz I am self-employed. No work, no rice! All my stuff is insured, including my mobile phone, notebook computer, credit card, wallet...... I buy travel insurance even I go to Shenzhen for massage for 1 day. It is cheap and cover if someone steals my money.
My mobile phone was stolen 2 weeks ago and I am claiming with my company insurance agent. I lost pictures and phone numbers, already very trouble but allowed me to buy a new phone with not much extra payment, at least I keep myself happier.
My husband had body check in government hospital as he found some problems but found out nothing. For me, when I was pregnant, I found my son with cleft lip (rabbit lip) in government with old type 2D ultrasound!! Nothing could be seen with private doctor who charges me $400 each week for ultrasound! Government has very good follow up, full team of doctors assisting till now my son finished surgery for 1 year, we have regular check up in different departments.
I could say if get medical insurance, you have a choice for other alternatives. Most doctors are very young in gov hospital as experienced doctors left. Like my son's case, we are lucky to have an experience doctor (his case cannot be claimed anyways), if followed by young doctor, I need to pay extra for private but still I could follow up with gov coz private dentist has no special skill for my son's teeth, he is missing a part of gum!!
For my son, sure before born, I signed for insurance plan and once we got birth cert, insurance plan started. We only claimed for his stomach pain (night doctor in Baptist for $500), and check up after falling down from bed ($170). I dun hope he needs extra claims but I know I pay for extra choices, that normally cannot be afforded from me.
It is only a gamble, see you claim or not. But at least seems more worth than marksix or stock market coz we are humans, always having chances to get sick.
希望勉勵一些有任何困難的人,要勇敢一些,有能力幫人就去幫,不開心時不要怪這怪那,上班時不要推卸責任! From myself, 兔唇mama
鏗鏗MUM: 人窮,慾望琳瑯,不爽不吃;志不窮,路途瞭闊,不吐不快 : )
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