optional好象是配眼镜的
镜片镜腿什么的
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daily co-payment是指住院费你帮着出一部分，比如50或者80一天，这样就可以降低每个月的premium。具体参见这段话。
“Under our First Choice Saver Hospital and Smart Choice Hospital covers you pay part of the cost of your hospital accommodation in the form of a ‘a Daily Co-payment’, if you are treated in a Members’ Choice Hospital or a Contracted Hospital. In a Members’ Choice Hospital, the Daily Co-payment will be $50 a day for a shared room, or $80 a day for a private room. For any one stay in a Members’ Choice Hospital, you will not pay more than $280 in a Daily Co-payment. A co-payment of $50 also applies to each Same Day Admission in a Members’ Choice Hospital. In addition to the co-payments listed above, in a Contracted Hospital you may be required to pay an extra co-payment."
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还有如果短期不打算要孩子的话，first choice就足够了。smart choice主要是包括了生孩子那部分的开销。
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“Under our First Choice Saver Hospital and Smart Choice Hospital covers you pay part of the cost of your hospital accommodation in the form of a ‘a Daily Co-payment’, if you are treated in a Members’ Choice Hospital or a Contracted Hospital. In a Members’ Choice Hospital, the Daily Co-payment will be $50 a day for a shared room, or $80 a day for a private room. For any one stay in a Members’ Choice Hospital, you will not pay more than $280 in a Daily Co-payment. A co-payment of $50 also applies to each Same Day Admission in a Members’ Choice Hospital. In addition to the co-payments listed above, in a Contracted Hospital you may be required to pay an extra co-payment."
co-payment==自付额
daily co-payment==每日自负金额
First Choice Saver Hospital and Smart Choice Hospital===保险公司指定的医院
Contracted Hospital==合同医院
shared room==多人病房
private room==单人病房
Same Day Admission==即日出院，当天入院即出院的情况
你买这个保险之后，如果在合同指定或合同医院住院，每日除了自付部分外费用可以由保险报销。
住院住多人病房的话，日自付金额$50
住单间的话，$80.
不管怎样，在指定医院住一次院，总自付金额不超过$280。
在指定医院的即日出院者，也要承担上述的$50/80不等的自付金额。
此外，在合同医院，自付金额可能高与上述金额。
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今天也去咨询了first choice 和first smart saver。这两个险种都不包括cardio-thoracic procedure。这样的话是不是说所有的心脏疾病引起的住院都不包括在内呢还是说只有心脏手术不包括在内。
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有谁能回答上面的问题吗？谢谢了
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如果大家平时都不怎么上医院，也不考虑私人医院生孩子，为何不考虑 my options？？ 认为这个性价比很高，包括extras才 59一个月
http://www.medibank.com.au/Healt ... vers/MyOptions.aspx
我们直接上counter上咨询购买的，偶LD考虑在私人医院生孩子，所以报了 smart choice，excess $250 的那种， 每月68.6+first choice extra 14=82.6. 忘记daily co payment选了多少了。
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有几个问题:
1.去私立医院看病做检查是不是都可以cover?还是自己一定要负担一部分?是不是有些项目是不Cover的?
2.Contracted Hospital 是不是就是自己选的医院?
3.去私立医院生小孩有什么好处?公立医院不是完全不用花钱么?私立每次检查不是还得自己花一部分
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同问阿，谢谢
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我也想知道啊....虽然现在还不能生小孩，但是得先了解一下为以后做准备
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私立医院及时方便
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