住院保险 - 计划的海外医疗（请教经纪）

兰花草Jasmine · 发表于 27-8-2017 22:52:14|来自：新加坡

我目前正准备购买IP, 首选是回国看病可以报销的公司。教一下各位保险经纪：

提供IP的6家保险公司中有一些是可以报销"计划的海外医疗" - Planned Overseas Medical Treatment.

（1）是否有指定医院？有中国的指定医院清单吗？中医院是否也在内？
（2）不是急诊，就是想在中国住院动手术之类的，可以覆盖吗？
（3）我之前看到过有家公司提到过必须要去Medi-save 认证的医疗机构，有这些机构的清单吗？

谢谢！

bigmice · 发表于 28-8-2017 05:58:39|来自：新加坡

简单一些，选择大东方的保险附加保海外rider,只要是住院，都可以报销。不需要指定医院，中医的医院没明确说不可以，但建议去西医医院，新加坡不太认可中医。避免麻烦。

兰花草Jasmine · 发表于 28-8-2017 08:58:06|来自：新加坡

另外购买附加保海外rider，也是一笔不小的支出。谢谢您的回复！

我的问题是基于现有的，比如: PRUShieldA （Rider Extra A)， Aviva MyShield里面提到的Planned Overseas Treatment. 比如Aviva里面对这条的解释是这样的，其他公司也应该差不多。

We pay for planned overseas treatment at an overseas hospital that has an approved working arrangement with a MediSave Accredited institution/referral center in Singapore or Emergency Overseas Treatment.

请问这条的详解？是不是需要新加坡这里的医生因为疾病的需要而指定的海外医疗机构？需要他们的Referral Letter吗？

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desperado123 · 发表于 28-8-2017 10:46:14|来自：新加坡

我想您看到的应该是AXA的Shield Plan，那个Planned Overseas Medical Treatment并不是所有病都可以的，而且必须要在新加坡先诊断出来才可以回国去看，如果您想报销国内的医疗，可以看看AXA的global care，那个医疗产品没这么多限制，以下是关于Planned Overseas Medical Treatment的原文解释，您可以参考下

We will reimburse You for the Eligible Expenses incurred for Planned Overseas Medical Treatment and overseas Outpatient Cancer Treatment for the following Illnesses or Surgical Procedure(s) that were first diagnosed by a Physician in Singapore, subject to the Benefit limits stated in the AXA General Care Benefits Schedule:
 Cancer;
 Neurosurgery;
 Coronary Artery Bypass Surgery;
 Heart Valve Surgery; and
 Major Organ Transplant (kidney, lung, liver, heart, pancreas and bone marrow), but excluding organ harvesting expenses
We will reimburse You the lower of the actual medical expenses incurred, or the Reasonable and Customary Expenses that may be incurred in a Singapore Private Hospital for medical treatment necessary for the same Illness or Injury.
We will convert the Eligible Expenses denominated in foreign currency to Singapore currency at the prevailing exchange rate as determined by Us based on the Hospital discharge date of the Life Assured.
For the avoidance of doubt, We do not cover Pre-Hospitalisation Treatment, which is given before the Planned Overseas Medical Treatment, and Post-Hospitalisation Treatment which is given after the Planned Overseas Medical Treatment under Your AXA Shield Policy.
This Benefit is capped at $50,000 per Policy Year and is subject to a Waiting Period of 90 days. Such Illnesses or Surgical Procedures must first be diagnosed by a Physician in Singapore after 90 days from the Effective Date or last Reinstatement Date, whichever is later.

_用心聆听_ · 发表于 28-8-2017 16:59:43|来自：新加坡

目前这个Planned Overseas Treatment，需要通过本地两家医疗机构认可转介才行，目前应该只是马来西亚的一些医院可以。以后会不会扩展到其他地区，就看以后的情况了。

住院保险，一般上都包括了海外紧急医疗的住院报销，如果只是考虑出差或者度假的话，应该够用了。

如果需要去海外常住，那么有几个方案：
1，如果公司派出去的，应该由公司安排海外保险。
2，如果住院保险是GE的，可以通过再附加一个额外的现金Rider保障海外非紧急状况下的住院账单。
3，可以自己投保全球医疗险，这个保费较高，每年几大千。