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发表于 10-3-2013 22:04:23
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3.既然初步选定了BUPA，按照我的风格，就要把BUPA相关的东西都详细了解一下，这样好让自己做选择（而不是别人给你做选择），结果在最终选定套餐之前，在BUPA问了销售MM好多好多问题（按照MM的话来说，发现国内刚过来不久的人希望把所有的东西都搞清楚，呵呵，可能是被国内保险从业人员培养的习惯，当时在国内的时候，打电话的，上门的，朋友介绍的要你买各种保险的，每个月至少有十几个，最后不堪其扰），我把问题和在BUPA销售MM得到的回复一一贴上来，供后面的同学参考：（就不一一翻译了，见谅）。
A.你们有中文的保险说明么？保险这东西有点专业，我希望能够理解得更加明白。
BUPA回复：http://www.bupa.com.au/staticfil ... retail-families.pdf
B.购买BUPA需要什么材料？
BUPA回复：ID、申请表格、Media Care卡（主要是为了免除超过31岁额外费用的，如果Media Care卡还没有下来，需要在申请media Care的时候让员工给你开确认信，就是说明你什么时候申请Media Care卡的，有确认信也可以）。
C.如果两三年以后我们离开澳大利亚一段时间（比如说三年），然后再回来，这个是不是申请暂停？除了出示机票还需要什么材料么？暂停的年限最长是多久？
BUPA回复：You can apply for suspension.We need two doc. 1\ suspension application form. 2\ a copy of your flight ticket booking.You can suspend 2 years each time, and no more than 3 times continually.
D.继续问题1，假设暂停了三年我们再回来继续交Bupa，然后我们又在悉尼呆了三年，然后又要去国外呆三年，这样是不是可以还可以再次申请暂停？
BUPA回复：Yes, you can apply for suspension again.
E. Extras里面比如洗牙、物理治疗、按摩、配眼镜之类的项目，如果今年没有用，额度是不是不能累积到下年？
BUPA回复：No, it can't be accumulated, all your benefit is apply in the same calendar year. However, your choice extras benefit can be increased year by year.
F.我怎么去找一个能使用Extras配额的医生呢？比如如果我需要做Chiropractic治疗或者洗牙，去哪里找BUPA合作的医生？
BUPA回复：You can find them on www.bupa.com.au ---Find a membercare provider--Ancillary
G.我看到条款里面有Health Subscription refunds是不是对于我们这样的人就不适用了。
BUPA回复：I don't think you will need it.
H. 比如Orthodontics这种有lifetime limit的，如果过几年我选择更高级别的Extras，是不是lifetime limit还可以再提高到更高级别？
BUPA回复：Yes, if you upgrade your cover, you will get a higher limit, however 1 year waiting period apply.
I.一般悉尼洗牙要多少钱？比如一年每人700的额度，如果一年每人只洗一次牙会不会还要交Gap的费用？
BUPA回复：Your Choice is a 60% back for bupa's membercare providers, you need to pay 40% by yourself.
J.像extras pharmacy entitlement ，我如何能够知道哪种药能够在Extras这项的范围内？
BUPA回复：First, the cost has to be over PBS cost( Eg, 2013, PBS is $36.1), second, it has to be approved by TGA as a prescription medicine.It is hard to check by yourself, our staff will check it for you when you make the claims.
K.我怎么去初步判断一个医生GAP费用的高低，比如我想选一个Gap费用低的私立医院或者医生，除了问医生本人和看医院账单以外，有没有什么办法进行初步的判断？
BUPA回复：r's gap is charged based on your doctors' decision. BUPA couldn't control doctors.However, when you just want to get some ideas, you can find info on:You can find them on www.bupa.com.au ---Find a membercare provider--Medicals.
L.我理解的Hospital和Extras，是不是就是Hospital覆盖的是住院，在Private hospital、医生以及诊疗发生的费用，而Extras claim的是日常，就是没有住院，在Ancillary Provider接受治疗的费用。因为很多人买了Extras以后就配了副眼镜，其他也没有治疗，如果这样，是不是有很多人只购买Hospital而不购买Extras啊？
BUPA回复：Hospital cover is for Hospital charges, like accommodation ext.All the doctors fees ( doesn't matter in hospital or out of hospital) are most paid by Medicare. As a private patient, your doctors may charge you a gap. ( gap=Dr's charge-Medicare benefit)
Extras pay benefit for most of the service that normally don't receive Medicare benefit.( Eg: Dental, Optical, Massage Ext.)
Most of the people have BOTH hospital and extras, however customers do have their right to have only one of them, it depends on their needs.
M.网上大家都说BUPA的Corporate Plan很划算，那我能不能买Corporate Plan？
BUPA回复：please send me your company's name, I will help you check which corporate plan are fit for you,or if your super funds listed in our corporate clients,you can change to corporate plan,otherwise,You may still need to start from retail first as you don’t have any super yet, and then, if your super fund is listed, you can change it to corporate later.（接下帖） |
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