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Health insurance for toddler

  1. #1
    cookiemum is offline Registered User
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    Health insurance for toddler

    I am looking for a medical insurance for my babygirl of 22 months which is not too expensive and has a good coverage both in-patient and out-patient. Has anybody tried HSBC?. Will appreciate any suggestions you can give me.

    Cookiemum

  2. #2
    starbucks2 is offline Registered User
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    Hi

    We have HSBC insurance through my work and coverage/price depends on the plan you choose. Not sure about price in my case as work pays but the coverage is good and includes vaccinations at a private doctor.

    People often say that kwiksure is good to speak to about policies. Think they are a broker. http://www.kwiksure.com/website/

    [email protected]

  3. #3
    Shenzhennifer is offline Registered User
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    starbucks2 - does HSBC require that you have a referral letter to see a pediatrician? (mine does (BUPA) - big pain in the but.)

  4. #4
    starbucks2 is offline Registered User
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    Jennifer - I can't remember actually as we hardly ever take him to a ped (normally just to our GP who has some ped qualifications). We also have different insurance through my husbands work and we do need a GP referral to see a specialist through that insurance. We generally would take him to see the GP first anyway so hasn't been too much of a hassle so far.

    We have had Allianz insurance before and had to battle them for EVERY claim so would not choose them again.

  5. #5
    Shenzhennifer is offline Registered User
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    Thanks SB2 - am thinking of switching for the next contract year, but want to find one that is less of a hassle for me. That`s great that you have a GP like that.

  6. #6
    thanka2 is offline Registered User
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    We use AIA and the coverage is good and the price is good as well. Our son did not need to be seen my a doctor prior to the start of coverage.

  7. #7
    starbucks2 is offline Registered User
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    Jennifer - I checked my HSBC insurance and I apparently don't need a referral for a specialist visit so HSBC may be worth looking into.

  8. #8
    Shenzhennifer is offline Registered User
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    Thanks. I thought that this practice of referral letters was a bit strange (and extremely annoying and inconvenient). Glad to see that there are other companies a bit more accomodating.

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