在新西兰
亲们，最想正想给我家娃买保险，看到置顶里说Tower家的$13刀多，靠谱不，有姐妹们买过么，我家的房屋倒是在T家买的。主要就是不知道为啥这么便宜昵，到时理赔好不好啊。价格倒是挺吸引滴。。。。。
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我家买de是onepath
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Onepath是和大人一起买的么，多少钱呢
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宝宝看病要花钱啊，不是免费的吗？
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我也是买的onepath 跟父母一起的 不记得多少钱..
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我刚给宝宝加到我southern cross里面的，才4.1一周啊
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噢，值得买。
不过那6岁以后就不免费了吗？
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4.1一周，16刀多一个月？
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family discount, 8tower.
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那挺好的，tower家的保障怎么样呢？
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还行吧，这个是包专家的。
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谢谢大家，对比了几家后已经决定在保险经纪这这买tower家的了，大人买了另一家，她这样给我组合后还挺好的。
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3.18是哪个plan？
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可以email我详情吗，[email protected]
有兴趣。
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也请EMAIL一下给我 谢谢
[email protected]
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please email me as well
sammiesmiles_at_gmail_dot_com
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顺便帖上 SC的WB2和tower的Premier care+speciallist的比较吧
| | TOWER Premier Health Specialist Benefit Remove | Southern Cross Wellbeing Two Remove |
| Policy | ||
| Company/Policy name | TOWER Premier Health Specialist Benefit | Southern Cross Wellbeing Two |
| Financial strength rating | A- (Excellent) A.M. Best | A+ (Strong) Standard and Poor's |
| Contact phone number | 0800 754 754 | 0800 800 181 |
Insurance type | Hospital plus specialists and tests cover | Hospital plus specialists and tests cover |
| Ratings | ||
| Policy cover |  |  |
| Policy cover & maximum payouts | ||
| Hospital cover - surgical | $300,000 per person per year | $100,000/operation |
| Hospital cover - non-surgical | $200,000 per person per year | $60,000 per year for chemotherapy benefit, radiotherapy benefit $25,000. |
| Specialist consultations | Covered under hospitalisation maximums up to 6 months prior to surgery and 6 months after, if related to that surgery. | Consultation maximums vary by specialty. No annual limits. |
| Major diagnostic procedures associated with hospitalisation | Covered under hospitalisation maximums up to 6 months prior to hospitalisation and 6 months after. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Major diagnostic procedures not associated with hospitalisation | Base cover: Covers the following diagnostic after referral by GP or registered specialist: Arthroscopy, Capsule endoscopy, colonoscopy, colposcopy, CT Scan, CT Angiogram, Cystoscopy, Gastrocospy, MRI Scan. No limit per diagnostic investigation. Covered under surgical or non-surgical limits. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Additional specialist cover | Specialist option: Specialist benefits available with no maximums on specialist consultation after referral by a GP or registered specialist, even when the insured person has not been, or will not be hospitalised. (No excess on specialist option). Diagnostic radiology and imaging with maximums by procedure. | Oncologist: $300 or $125/consultation; Psychiatrist: $750/year |
| Additional diagnostic cover | Specialist option: $3000 limit per person per year on any diagnostic. $60,000 per person per year on cardiac investigations. (No excess on specialist option.) | X-rays, ultrasounds, mammography, nuclear scanning, lab tests maximums vary by procedure/test. |
| Post-op physiotherapy | $750 hospitalisation. | In-hospital physio covered under $100,000/operation. Out of hospital $60/visit, $300 year. Must be within 4 months after surgery. |
| Post-op home nursing | $150 per person per day, $6000/year | $125/day, $2000/year. Must be within 4 months after surgery. |
| Minor surgery benefit | $750 per person per year at GP's; skin lesions surgery $6000 per year. | Minor surgery and procedures in GP's rooms $450/operation/procedure. $7500 per claims year for minor skin surgery under local anaesthetic by a specialist. |
| Overseas treatment | $20,000 per overseas visit | $10,000/year |
| Suspension of cover | 3-24 months if overseas; 3-6 months if unemployed. | 2-12 months if overseas or redundant once per lifetime for up to 3 months. |
| Support person/parent accommodation benefit | $200/night, $3000/hospitalisation | $100/night $500/year, parent of hospitalised child |
| Public hospital benefit | $300/night, for the third and each subquent night - $3000 per policy year | $50/night, $2400/year. |
| Death/funeral benefit | If policyholder dies before the age of 65. Premiums paid for two years or until surviving person turns 65 whichever happens first. Funeral support grant $3000. | $2400 funeral allowance, on death of any current member before age 65 years from causes other than accidental. If the Policyholder dies under age 60, surviving dependants named on policy covered for 2 years free of charge. |
| Pharmaceuticals | Pharmac only - non-Pharmac funded for Cancer Assistance Benefit | Pharmac only - non-Pharmac approved MedSafe indicated chemotherapy drugs available up to 50 percent of the cost and $10,000 per claims year. |
| Alternative medical providers | Osteopath, chiropractor, occupational therapy, dietician. | Optional extra |
| Additional benefits | Obstetrics benefit. Sterilisation $1000; ambulance transfer benefit; medical examination $100 covered after three continuous years; ACC top up, cancer benefit,travel and accommodation benefit. | Palliative care and treatment allowance. Post-operative Speech and Language therapy. Sterilisation allowance, after 12 months cover. Being active benefit, obstetrics, gastric banding/bypass and breast reduction allowances after three years. Post mastectomy allowance to achieve breast symmetry. Ambulance allowance. Psychiatric Care. 评论 非常感谢! 评论 Lily 麻烦一下给我发 [email protected] 谢谢 求北岸可以out zone申请的学校新西兰孩子马上要上小学了。学区房在oteha valley school.想了解北岸有哪些学校可以out zone申请 评论 建議LZ直接上學校關方網站找比較快，資料也正確 评论 现在生源都在减少，小学基本都开放 ... 给上初中的孩子买什么样的手机？新西兰孩子是重度网瘾少女，各种手机和电脑游戏玩的溜溜的，要上初中了，应该买什么样的手机？不能上网的？ 不想让她随时掏出手机玩游戏啊 请大家推荐 评论 苹果一步到位 评论 苹果一 ... 求宝妈推荐个教动漫的美术老师新西兰我孩子12岁，非常喜欢画动漫，一直苦于找不到不错的动漫美术老师，有谁认识这方面的老师可以推荐个吗？不胜感激。 或者帮忙推荐一名名校美术老师也可以，不专门教动漫也可以。 ... Rangitoto college的华人家长群新西兰孩子马上要在这里上学，想多了解一些信息，请问有在群里的小伙伴吗？求拉 评论 也拉兄弟我一把 评论 我也想了解让孩子转去，请加我微信NZ0225801100 评论 我孩子明年去，请加我微信 ... Vivian Duan 助产师新西兰请问妈妈们，有没有和助产师 Vivian Duan 的经验可以分享一下？她ok吗？谢谢！ 评论 很好很有经验，也是老牌助产士，人也很nice，可以电话聊一下，互相了解一下 评论 好的！听了至少放 ... 请问一下year0和year1的区别新西兰请问一下各位year0和year1的区别，我的孩子生日是2月份需要上year0还是year1啊谢谢 评论 二月份的生日可以直接上year1比较好。 year0就是幼儿园大班。 话说这种问题为啥还得分个妈妈们还 ... 辞职后 得知怀孕4周.. 这种情况可以申请带薪产假新西兰辞职后 才得知怀孕4周多点....这种还可以申请带薪产假么？已经再公司干了5年多了 full time 40 hours 一周. 我看了IRD 说是 worked as an employee for an average of at least 10 hours a week for any 26 weeks of ... 一些新区的学校。flatbush sliverdale 还是hobsonville新西兰看flatbush longbay sliverdale 还有hobsonville这些区的学校分数都不低 但是学校比较新 不知道学术氛围和升学率 纪律各方面 哪个更值得考虑？ 评论 通常情况下，一所学校要形成自己的风格， ... 请问哪个网站可以新西兰学校是几分的啊新西兰如题请问哪个网站可以看每个学校是几分的谢谢 评论 最简单的方法就是看平均房价，越高的评分越高。看评分基本没有什么实际意义，要看学校注重哪方面。10分不一定好，7分不一定差 ... 花了近万元却坐了个假月子—决心揭发一位黑心新西兰华人对坐月子这件事情都非常看中，我们也是，虽然只是普通收入，但是因为疫情原因，父母在国内不能过来帮忙，一切都只能靠自己。所以打算请一位月嫂帮忙。虽然价格非常高昂， ... 学校咨询新西兰请问有了解东区Sancta Maria college 学校的吗？或者有在那里上学的宝妈能咨询一下吗？谢谢 评论 這是一所天主教學校學生幾乎就是都是教徒。課程安排上也有 Religious Education (RE)。若樓主 ... 双校网排名越来越后 怎么回事啊新西兰最近双校网的教学质量是不是在走下坡路啊怎么排名比如其它学校了。还是crimson 乱排的？ 评论 还好吧，名校长盛不衰一靠学风，二靠师资，最关键还是靠生源质量。mt roskill grammar十几 ... St Cuth, Dio, and ACG新西兰St Cuth, Dio, and ACG 这三个学校各有各的好,但又没有特别好.有没有家长来分享一下. 评论 你选择新西兰，就是为了给孩子最好的教育与教育环境的吗？ 那你来错地方了…… 评论 有啥好问 ... 生日场地新西兰请问大家奥克兰有没有适合给孩子过生日的地方，想要那种有的玩，还有地方吃东西切蛋糕的地方，谢谢 评论 几乎所有小孩玩的地方都有，看你住哪个区，比如indoor游乐场，动物园，蝴 ... diocesan vs St Kentigern新西兰各位父母，我女儿同时收到了dio和st kent两家的offer，不知道选哪家好。能有做过研究的讲一讲吗？感谢 评论 各位父母，我女儿同时收到了dio和st kent两家的offer，不知道选哪家好。能有做 ... 关于孩子衣服新西兰想请问一下，家里孩子不穿的衣服妈妈们都是怎么处理的？ 评论 品相不错的收好 再下一个崽 评论 舍不得扔的如果能送给认识的人最好，污渍洗不出来的我是当抹布擦擦厨房厕所什么的 ... 几年级开始要做ICAS考题或是各种考题？新西兰各位好， 新手妈妈求解。 总是看到关于ICAS考题或是别的考题。 但是不知道几岁要开始， 或是上几年级， 这些考题对将来上学有什么帮助？ 评论 小学就可以开始了 评论 谢谢，是从小 ... 孩子15岁十月底回纽，请教前辈什时候申请入学新西兰请教家有宝贝在读中学的前辈，知道插班如何报名吗？我儿子十月底回纽，term 4 还能进吗？要提前报名吗？我知道小学是随时报名插班，中学还是一样吗？感谢* 评论 给你家zone区的学校 ... 住西区上私校还是搬北岸校区？请大家帮忙分析新西兰家住西区 孩子现在Henderson heights校网内上一所不算太差的小学，但校网内也没有好的中学，所以再过两年还需面临择校问题。 现在在纠结是我们继续住西区 让孩子上西区ACG 还是搬到北 ... 有鸡娃家长对华侨联考感兴趣吗？新西兰有家长未来想让自己的孩子报华侨联考吗？可以一起组队打怪啊！需要考虑的因素 1、孩子有中国护照 2、孩子语文基础要扎实，参照系是国内同龄人 评论 华侨联考 是什么？高考吗 评论 ... |