最近在比较几家医疗保险公司，针对最好几家最好的plan做了比较，都是最好的plan再加rider，没有co-insurance的，100% cover。如下面表格所示。楼主想在prudential和AIA之间选一个。
prudential的好处是，post hospital 的follow up治疗时间有180天，整整半年，而AIA只有100天。其次，prudential的post hospital的TCM（Traditional Chinese Medince）没有严格限制疾病。而AIA的TCM仅限于癌症和中风。
但是，AIA有一个好处，就是补贴家人陪床的费用。而Prudential只是cover 60块钱的陪床费，而且是陪护孩子才可以用。
楼主觉得免费陪床是个很大的优势，但是不知道这一点在实际运用中有多么重要？
楼主听到版本是说，private hospital A ward通常会有一张沙发床，如果是这样，AIA的所谓陪床就没有优势了。但是又有版本说，即便有沙发床，家属还是要交三餐费用和枕头床被费。请问有过来人有概念吗？AIA cover陪床费用，但是会cover家属的餐费和枕头床被费吗？
欢迎大家提供建议，帮楼主指明方向，AIA or prudential？
AVIVA
Prudential
AIA
name
Myshield Plus plan1
Extra A premier
Gold Max Essential A
premium
611
540
592
critical
illness benefit
10000
hospitcal
cash benefit
300
200/125
250(B and -) /150(A)
ambulance fee
80
250
no
accomodation
for children
80
60, familiy member
can?
one additional bed
accomodation
for immediate family member
?
?
one additional bed
day surgery
?
as charged
pre hospital
( day)
90
180
100
post hospital
( day)
180
180
100/200 (cirtical
illness) 5000/a
post hospital
TCM
45/visit (90d)
6000/a ( 180d)
5000/a for cancer and
stroke
outpaitent
emergency
?
3000/a
2000
overseas
emergency inpatient
?
yes
yes
Post-hospital
home nursing (within 26 weeks)
500/d, 5000 total
Pregnancy
complication
as charged ( after 10
months)
as charged
Congenital
anomalies
as charged after 12
months waiting period?
2 year waiting period
20000 per kid? For adult?
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本帖已由 nellie 在 2014-11-02 17:36:53 时顶起 ---