My mother ( 62 yrs) bought a 醫療 + 人壽 from manulife . It costs me around $1300 a month. It is expensive but as I hope to give my mother better 醫療 so I still bought it anyway.
Then after 8 months, she fell off the stairs and broke her nose. We went to private hospital . The bill, including surgery and everything is $89xxx. Well my agent found my bill expensive as the doctor we had was a very expensive one. Only surgery fee was $ 4xxxx. But my agent was actually quite helpful. I got the claims around 1 month later which just met my credit card payment deadline.
The total fee i paid to the insurance company is around 10k while i finally claimed $79xxx from it.
Of course you might say it is your choice to go to private hospital. GO to the public one is a lot cheaper.. It maybe the case. But since my mother was old and now the public hospitals are flooding with many many mainlenders. The doctors and nurse are already very very very busy. Buying insurance is a good choice for me as it kind of helping me to get private hospital service to my mom.
Or you may even say now you claimed 7xxxx successfully but you are going to pay back later. Maybe it is the case too. But what if my mother needs more private hospital service in the future?
My dad suffered from cancer and died miserably in the public hospital. The quality of service he got was ...... I can only say I wish I can afford private hospital service for him.
Just my personal opinion and experience.
I do appreciate your effort on kicking out those cunning and bad agents. But somehow i feel you are too biased.
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ivoryneko
i've 3 relatives died in public hosp. we cant even all stay in their rm. on their very last day!
發表於 11-10-14 11:00
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