- 主题发起人 held
- 发布时间 2016-04-24
不是估计，那是骗保，属于诈骗。
保险公司是不会随便陪保的。
http://www.health.alberta.ca/AHCIP/coverage-outside-Canada.html
Health coverage outside Canada
Alberta Health provides two sources of funding for Albertans who wish to receive insured medical treatment outside Canada: reimbursement through the Alberta Health Care Insurance Plan (AHCIP), or application through the Out-of-Country Health Services Committee.
Coverage under the AHCIP
Insured physician services received outside Canada are paid at the lesser of the amount claimed, or the rate an Alberta physician would be paid for that service or the most similar service.
Insured hospital services must be provided by a general or auxiliary hospital. Hospital services provided in a private health facility are not eligible for reimbursement. The AHCIP does not cover food, lodging or other travel expenses.
Alberta Health covers only limited physician and hospital costs outside of Canada. It is strongly recommended that Albertans obtain private supplementary insurance when outside the province or outside Canada, as costs for services can be much higher than in Alberta.
Health coverage outside Canada
Alberta Health provides two sources of funding for Albertans who wish to receive insured medical treatment outside Canada: reimbursement through the Alberta Health Care Insurance Plan (AHCIP), or application through the Out-of-Country Health Services Committee.
Coverage under the AHCIP
Insured physician services received outside Canada are paid at the lesser of the amount claimed, or the rate an Alberta physician would be paid for that service or the most similar service.
- The services and rates paid to Alberta physicians are listed in the Schedule of Medical Benefits
Insured hospital services must be provided by a general or auxiliary hospital. Hospital services provided in a private health facility are not eligible for reimbursement. The AHCIP does not cover food, lodging or other travel expenses.
Alberta Health covers only limited physician and hospital costs outside of Canada. It is strongly recommended that Albertans obtain private supplementary insurance when outside the province or outside Canada, as costs for services can be much higher than in Alberta.
The rate for in-patient hospital services is $100 (Canadian) per day, not including the day of discharge. The rate for outpatientservices is $50 (Canadian) per day, with a limit of one visit per day. These hospital services rates are the maximum that is reimbursed for all services provided to a patient, such as room and board, nursing, laboratory and x-ray services, medical supplies and prescription drugs.
住院期间的费用最多报$100/天，还不包括出院那天，住10天也就$1000啊。
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他说的肯定是保稳定旧病慢性病，重点在“稳定”上，旧病慢性病要在稳定情况下才会受保。如何判断是否稳定，120天内没有犯过，并没有因为这些旧病去过医院检查或者治疗。也不会有已知的需要再去做治疗。如果需要用药治疗，药量没有增增减减，就算稳定，才在受保期内，按楼主的案例，明显，近期出现问题（不在120天内），不久要再去治疗（有已知的需要再治疗）。这情况很明显不在旧病受保范围。
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