COVER HFMD 的保险比较 只比较两家公司的。
<!--[if gte mso 9]><xml> <w:worddocument> <w:view>Normal</w:view> <w:zoom>0</w:zoom> <w:trackmoves /> <w:trackformatting /> <w:punctuationkerning /> <w:validateagainstschemas /> <w:saveifxmlinvalid>false</w:saveifxmlinvalid> <w:ignoremixedcontent>false</w:ignoremixedcontent> <w:alwaysshowplaceholdertext>false</w:alwaysshowplaceholdertext> <w:donotpromoteqf /> <w:lidthemeother>EN-SG</w:lidthemeother> <w:lidthemeasian>ZH-SG</w:lidthemeasian> <w:lidthemecomplexscript>X-NONE</w:lidthemecomplexscript> <w:compatibility> <w:breakwrappedtables /> <w:snaptogridincell /> <w:wraptextwithpunct /> <w:useasianbreakrules /> <w:dontgrowautofit /> <w:splitpgbreakandparamark /> <w:dontvertaligncellwithsp /> <w:dontbreakconstrainedforcedtables /> <w:dontvertalignintxbx /> <w:word11kerningpairs /> <w:cachedcolbalance /> <w:usefelayout /> </w:compatibility> <m:mathpr> <m:mathfont m:val="Cambria Math" /> <m:brkbin m:val="before" /> <m:brkbinsub m:val="-" /> <m:smallfrac m:val="off" /> <m:dispdef /> <m:lmargin m:val="0" /> <m:rmargin m:val="0" /> <m:defjc m:val="centerGroup" /> <m:wrapindent m:val="1440" /> <m:intlim m:val="subSup" /> <m:narylim m:val="undOvr" /> </m:mathpr></w:worddocument> </xml><![endif]--><!--[if gte mso 9]><xml> <w:latentstyles deflockedstate="false" defunhidewhenused="true" defsemihidden="true" defqformat="false" defpriority="99" latentstylecount="267"> <w:lsdexception locked="false" priority="0" semihidden="false" unhidewhenused="false" qformat="true" name="Normal" /> <w:lsdexception locked="false" priority="9" semihidden="false" unhidewhenused="false" qformat="true" name="heading 1" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 2" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 3" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 4" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 5" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 6" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 7" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 8" /> <w:lsdexception locked="false" priority="9" qformat="true" name="heading 9" /> <w:lsdexception locked="false" priority="39" name="toc 1" /> <w:lsdexception locked="false" priority="39" name="toc 2" /> <w:lsdexception locked="false" priority="39" name="toc 3" /> <w:lsdexception locked="false" priority="39" name="toc 4" /> <w:lsdexception locked="false" priority="39" name="toc 5" /> <w:lsdexception locked="false" priority="39" name="toc 6" /> <w:lsdexception locked="false" priority="39" name="toc 7" /> <w:lsdexception locked="false" priority="39" name="toc 8" /> <w:lsdexception locked="false" priority="39" name="toc 9" /> <w:lsdexception locked="false" priority="35" qformat="true" name="caption" /> <w:lsdexception locked="false" priority="10" semihidden="false" unhidewhenused="false" qformat="true" name="Title" /> <w:lsdexception locked="false" priority="1" name="Default Paragraph Font" /> <w:lsdexception locked="false" priority="11" semihidden="false" unhidewhenused="false" qformat="true" name="Subtitle" /> <w:lsdexception locked="false" priority="22" semihidden="false" unhidewhenused="false" qformat="true" name="Strong" /> <w:lsdexception locked="false" priority="20" semihidden="false" unhidewhenused="false" qformat="true" name="Emphasis" /> <w:lsdexception locked="false" priority="59" semihidden="false" unhidewhenused="false" name="Table Grid" /> <w:lsdexception locked="false" unhidewhenused="false" name="Placeholder Text" /> <w:lsdexception locked="false" priority="1" semihidden="false" unhidewhenused="false" qformat="true" name="No Spacing" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 1" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 1" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 1" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 1" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 1" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 1" /> <w:lsdexception locked="false" unhidewhenused="false" name="Revision" /> <w:lsdexception locked="false" priority="34" semihidden="false" unhidewhenused="false" qformat="true" name="List Paragraph" /> <w:lsdexception locked="false" priority="29" semihidden="false" unhidewhenused="false" qformat="true" name="Quote" /> <w:lsdexception locked="false" priority="30" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Quote" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 1" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 1" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 1" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 1" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 1" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 1" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 1" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 1" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 2" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 2" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 2" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 2" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 2" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 2" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 2" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 2" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 2" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 2" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 2" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 2" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 2" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 2" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 3" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 3" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 3" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 3" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 3" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 3" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 3" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 3" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 3" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 3" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 3" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 3" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 3" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 3" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 4" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 4" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 4" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 4" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 4" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 4" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 4" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 4" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 4" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 4" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 4" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 4" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 4" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 4" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 5" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 5" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 5" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 5" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 5" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 5" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 5" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 5" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 5" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 5" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 5" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 5" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 5" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 5" /> <w:lsdexception locked="false" priority="60" semihidden="false" unhidewhenused="false" name="Light Shading Accent 6" /> <w:lsdexception locked="false" priority="61" semihidden="false" unhidewhenused="false" name="Light List Accent 6" /> <w:lsdexception locked="false" priority="62" semihidden="false" unhidewhenused="false" name="Light Grid Accent 6" /> <w:lsdexception locked="false" priority="63" semihidden="false" unhidewhenused="false" name="Medium Shading 1 Accent 6" /> <w:lsdexception locked="false" priority="64" semihidden="false" unhidewhenused="false" name="Medium Shading 2 Accent 6" /> <w:lsdexception locked="false" priority="65" semihidden="false" unhidewhenused="false" name="Medium List 1 Accent 6" /> <w:lsdexception locked="false" priority="66" semihidden="false" unhidewhenused="false" name="Medium List 2 Accent 6" /> <w:lsdexception locked="false" priority="67" semihidden="false" unhidewhenused="false" name="Medium Grid 1 Accent 6" /> <w:lsdexception locked="false" priority="68" semihidden="false" unhidewhenused="false" name="Medium Grid 2 Accent 6" /> <w:lsdexception locked="false" priority="69" semihidden="false" unhidewhenused="false" name="Medium Grid 3 Accent 6" /> <w:lsdexception locked="false" priority="70" semihidden="false" unhidewhenused="false" name="Dark List Accent 6" /> <w:lsdexception locked="false" priority="71" semihidden="false" unhidewhenused="false" name="Colorful Shading Accent 6" /> <w:lsdexception locked="false" priority="72" semihidden="false" unhidewhenused="false" name="Colorful List Accent 6" /> <w:lsdexception locked="false" priority="73" semihidden="false" unhidewhenused="false" name="Colorful Grid Accent 6" /> <w:lsdexception locked="false" priority="19" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Emphasis" /> <w:lsdexception locked="false" priority="21" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Emphasis" /> <w:lsdexception locked="false" priority="31" semihidden="false" unhidewhenused="false" qformat="true" name="Subtle Reference" /> <w:lsdexception locked="false" priority="32" semihidden="false" unhidewhenused="false" qformat="true" name="Intense Reference" /> <w:lsdexception locked="false" priority="33" semihidden="false" unhidewhenused="false" qformat="true" name="Book Title" /> <w:lsdexception locked="false" priority="37" name="Bibliography" /> <w:lsdexception locked="false" priority="39" qformat="true" name="TOC Heading" /> </w:latentstyles> </xml><![endif]--><!--[if gte mso 10]>
<style>
/* Style Definitions */
table.MsoNormalTable
{mso-style-name:"Table Normal";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-noshow:yes;
mso-style-priority:99;
mso-style-qformat:yes;
mso-style-parent:"";
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-para-margin:0cm;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";
mso-bidi-theme-font:minor-bidi;}
table.MsoTableGrid
{mso-style-name:"Table Grid";
mso-tstyle-rowband-size:0;
mso-tstyle-colband-size:0;
mso-style-priority:59;
mso-style-unhide:no;
border:solid windowtext 1.0pt;
mso-border-alt:solid windowtext .5pt;
mso-padding-alt:0cm 5.4pt 0cm 5.4pt;
mso-border-insideh:.5pt solid windowtext;
mso-border-insidev:.5pt solid windowtext;
mso-para-margin:0cm;
mso-para-margin-bottom:.0001pt;
mso-pagination:widow-orphan;
font-size:10.5pt;
mso-bidi-font-size:11.0pt;
font-family:"Calibri","sans-serif";
mso-ascii-font-family:Calibri;
mso-ascii-theme-font:minor-latin;
mso-hansi-font-family:Calibri;
mso-hansi-theme-font:minor-latin;
mso-bidi-font-family:"Times New Roman";
mso-bidi-theme-font:minor-bidi;
mso-font-kerning:1.0pt;
mso-ansi-language:EN-US;}
</style>
<![endif]-->再上来夸下从寄出表格从收到钱才花了一个星期，索赔效率真快，这个钱真是值得呀，就像之前我推荐过的的 要是比较AIA 跟 PA TENET 我还是喜欢以1/3的价钱拿这个PA TENET,如果你是两个孩子 就是1/4的价钱了，如果是三个孩子就是1/5的价钱了，买两个大人送UNLIMITED NUMBER 的CHILD 的保障。真是痛快。都按照价钱相似的PLAN来比较， 下面做个表格给大家做个比较
AIA star shield PLAN 3
287.42/yearly
Only cover 1 kid
意外死亡
小孩 25K
Hfmd cover up to 2500 plus 80 dollar
recovery benefit every two policy
year(就是两年中一次就能拿这个，两年中超过一次剩下的那几次没有了)
Tenet PA Star PLAN 2
338/yearly INCLUDING GST
Cover two adult with UNLIMITED NUMBER
KIDS
意外死亡分别给两个大人 100K
小孩 25K
Hfmd cover up to 750sgd each kid
, 这次如果买AIA虽然能拿到的钱是 150+80新币（REOCVERY BENEFIT ）,可是这个BENEFIT 是每两年一次的for hfmd，如果这两年内再中也是没这80新币了。关键是我家如果在AIA 买的话就需要 2X100（两个大人的保障） + 200X3三个孩子的=800 新币了 我只是ROUGHLY 给大家估计一下.可是也许有人说你看AIA 给的是2500新币的HFMD 的COVER, 哈哈 问下有经验的爸爸妈妈们，你们的孩子HFMD 如果是看门诊的话 账单是多少， 不会超过200块看普通诊所和KK 急诊，除非你看专家估计能花到300-500新币，就当你去专家那边耗两次， 谁都知道HFMD 是得靠孩子本身的抵抗力FIGHT 的。如果是严重的CASE 所谓大家的说的那种如HFMD 引起死亡的如果不及时看医生的话，那这个得住院，买保险的爸爸妈妈们 肯定先考虑住院险，所以一般能舍得出钱买COVER HFMD 和意外保险的爸爸妈妈们肯定有住院险在下面垫着，所以严重的就去住院了, CLAIM FROM HEALSHIELD PLAN OR YOUR COMPANY GROUP INSURANCE. 当然我挑这两个计划实用benefit给大家讲讲 本人声明我对AIA 没有任何偏见，毕竟AIA 也养了我无数年， 我只是就保险论保险。AIA 卖的是品牌，像我这种穷妈妈只能买性价比高的。之前做过IFA 就是卖多家保险公司的保险的，现在我不做了，上来兴趣爱好给大家讲讲保险 不然还是AGENT 的话 MAS 得找我麻烦的，我也不卖保险了，你们有需要的可以短信我问我要以前同事的电话，如果你们喜欢AIA STARSHIELD 你们也可以问我要我前AIA同事的电话，我能大力推荐个好的aia 保险代理给你。偶不是吹牛，虽然离开这个行业半年了，呵呵 就是看见保险相关的东西还是手痒要写写。毕竟在这个行业无数年头了。
下面是我从PA TENET 索赔的过程，我在HDB FAMILY CLINIC 看了两次花了50新币， 要回去CHILD CARE 回去医生那边开了个RECOVERY CERT 证明痊愈，花了6新币 也全部给报了哈哈。然后在KK 的EMERGENCY DEPARTMENT 看急诊花了90新币。KK 看急诊没CERTIFY是HFMD ，在HDB CLINIC 做了CERTIFY 是HFMD。上网下载FORM 然后寄出去， 然后收到LETTER FROM TENET 说收到我的CLAIM FORM. 然后再过了三天收到款。