日志
Tower & Cross Wellbeing 2保险对比
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| 3 |3 n, }) u+ a2 W* D ^& n | TOWER Premier Health Specialist Benefit Remove | Southern Cross Wellbeing Two Remove |
| Policy | ||
| Company/Policy name | TOWER Premier Health Specialist Benefit | Southern Cross Wellbeing Two |
| Financial strength rating | A- (Excellent) A.M. Best | A+ (Strong) Standard and Poor's |
| Contact phone number | 0800 754 754 | 0800 800 181 |
Insurance type | Hospital plus specialists and tests cover | Hospital plus specialists and tests cover |
| Ratings | ||
| Policy cover |  |  |
| Policy cover & maximum payouts | ||
| Hospital cover - surgical | $300,000 per person per year | $100,000/operation |
| Hospital cover - non-surgical | $200,000 per person per year | $60,000 per year for chemotherapy benefit, radiotherapy benefit $25,000. |
| Specialist consultations | Covered under hospitalisation maximums up to 6 months prior to surgery and 6 months after, if related to that surgery. | Consultation maximums vary by specialty. No annual limits. |
| Major diagnostic procedures associated with hospitalisation | Covered under hospitalisation maximums up to 6 months prior to hospitalisation and 6 months after. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Major diagnostic procedures not associated with hospitalisation | Base cover: Covers the following diagnostic after referral by GP or registered specialist: Arthroscopy, Capsule endoscopy, colonoscopy, colposcopy, CT Scan, CT Angiogram, Cystoscopy, Gastrocospy, MRI Scan. No limit per diagnostic investigation. Covered under surgical or non-surgical limits. | CT, MRI, PET and Myocardial perfusion maximums vary by procedure. Up to $5000 per year for cardiac tests and $3000 per year for other diagnostic tests. Many other diagnostic procedures such as angiograms, gastroscopies and colonoscopies are covered under the surgical benefit. |
| Additional specialist cover | Specialist option: Specialist benefits available with no maximums on specialist consultation after referral by a GP or registered specialist, even when the insured person has not been, or will not be hospitalised. (No excess on specialist option). Diagnostic radiology and imaging with maximums by procedure. | Oncologist: $300 or $125/consultation; Psychiatrist: $750/year |
| Additional diagnostic cover | Specialist option: $3000 limit per person per year on any diagnostic. $60,000 per person per year on cardiac investigations. (No excess on specialist option.) | X-rays, ultrasounds, mammography, nuclear scanning, lab tests maximums vary by procedure/test. |
| Post-op physiotherapy | $750 hospitalisation. | In-hospital physio covered under $100,000/operation. Out of hospital $60/visit, $300 year. Must be within 4 months after surgery. |
| Post-op home nursing | $150 per person per day, $6000/year | $125/day, $2000/year. Must be within 4 months after surgery. |
| Minor surgery benefit | $750 per person per year at GP's; skin lesions surgery $6000 per year. | Minor surgery and procedures in GP's rooms $450/operation/procedure. $7500 per claims year for minor skin surgery under local anaesthetic by a specialist. |
| Overseas treatment | $20,000 per overseas visit | $10,000/year |
| Suspension of cover | 3-24 months if overseas; 3-6 months if unemployed. | 2-12 months if overseas or redundant once per lifetime for up to 3 months. |
| Support person/parent accommodation benefit | $200/night, $3000/hospitalisation | $100/night $500/year, parent of hospitalised child |
| Public hospital benefit | $300/night, for the third and each subquent night - $3000 per policy year | $50/night, $2400/year. |
| Death/funeral benefit | If policyholder dies before the age of 65. Premiums paid for two years or until surviving person turns 65 whichever happens first. Funeral support grant $3000. | $2400 funeral allowance, on death of any current member before age 65 years from causes other than accidental. If the Policyholder dies under age 60, surviving dependants named on policy covered for 2 years free of charge. |
| Pharmaceuticals | Pharmac only - non-Pharmac funded for Cancer Assistance Benefit | Pharmac only - non-Pharmac approved MedSafe indicated chemotherapy drugs available up to 50 percent of the cost and $10,000 per claims year. |
| Alternative medical providers | Osteopath, chiropractor, occupational therapy, dietician. | Optional extra |
| Additional benefits | Obstetrics benefit. Sterilisation $1000; ambulance transfer benefit; medical examination $100 covered after three continuous years; ACC top up, cancer benefit,travel and accommodation benefit. | Palliative care and treatment allowance. Post-operative Speech and Language therapy. Sterilisation allowance, after 12 months cover. Being active benefit, obstetrics, gastric banding/bypass and breast reduction allowances after three years. Post mastectomy allowance to achieve breast symmetry. Ambulance allowance. Psychiatric Care. |
