excess fee's??

[emma26]

I'm looking at getting PHI for my family through MBF.

There will be 3 of us on the cover and i was looking at the excess fee (thinking about choosing the $250) and it says that the excess fee will be per person per calander year.

Not sure if i read right but does this mean

3 x $250 excess = $750 per year?

[JimJamsMum]

It means that the first time each of you goes to hospital in a calendar year you will have to pay $250. So if you go to hospital you have to pay $250, then if one of the others goes to hospital you pay another $250 but if you go back to hospital you don't have to pay an excess again. Make sense?

Some health insurance companies have a waiver if you have to go to hospital as a result of an accident and some don't charge an excess when children are admitted to hospital. Also, some public hospitals will pay your excess for you if you go in as a private patient.

[Izy]

:iagree: yep- with MBF excess is payable once per person but to a maximum of twice per family per calendar year.
eg mum goes in $250 excess, mum goes again she doesn't need to pay cause she already did once, Dad then goes in he has to pay $250 excess, but if anyone else in the family then needed to be admitted in the same calendar year there is no more excess to be paid.

If your admission is the result of an emergency accident you may be able to claim on 'accident cover' if you also have extras, to recoup the cost of the excess.

Some levels of cover will have no excess for kids, and although excess is payable in all facilities (including public hospitals), sometimes a public hospital will absorb the excess fee for you. They normally do this because even after taking the excess out of the bill, the private fund will still pay them more for the admission than the government.

Hope that makes sense.