Medical Expenses - First Year

[bekyboo44]

Hi Cara- yes I know how fortunate we are to have private cover provided by the company. And I realise many people use the govt. system and are very happy with it.
My experiences with the govt. system have been mixed....(I haven't always had full cover, my Father was a civil servant and we were expected to use the govt. system which we did for a little while!) and a lot varies from hospital to hospital, and Doctor to Doctor.

 

[Tong.kate]

Hospital Insurance

Hello,

I just want to share my recent decision that pay a Hospital coverage for my baby boy (at 1.5 years old). In fact, Both my husband and myself work as employees and with good medical insurance covered for whole family members by employers. But finally I still brought a Hospital coverage (minimum level) for my son at my own cost. This is because there is "pre-existing" term that may prevent my child being covered for sickness included in future. For example, if my child confirmed a sickness (major) in 2007 Sep. My husband changes job (employer) in 2007 Oct, new employer provides coverage for my husband and family. But the sickness included before (called pre-existing) may be excluded--> no covered under provision of new company insurance coverage. So I make up my mind to pay few hundred HKD a month (hospital benefit only) to protect my child.

For out-patient, I think the cost is not major, so I just leave it.
Not worth to extra buy, as it has covered by employers medical insurance benefit.