Cathay maternity coverage!!!
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Cathay maternity coverage!!!
Hi all,
Need some advice.
The wife is having a baby this year and we are trying to make sense of the CX
maternity benefits.
Does anyone know what is covered? We are not sure if it is better financially to have the baby in HK (matilda) or back in Oz.
Any feedback would be greatly appreciated.
Need some advice.
The wife is having a baby this year and we are trying to make sense of the CX
maternity benefits.
Does anyone know what is covered? We are not sure if it is better financially to have the baby in HK (matilda) or back in Oz.
Any feedback would be greatly appreciated.
If you or your wife have private health insurance in Oz I'd suggest you have the baby back there.
CX have a limit on expenses of around $60,000 HKD ( or they used to? ) which could be used up pretty quick if you need to stay in Hospital a while longer than normal.
CX have a limit on expenses of around $60,000 HKD ( or they used to? ) which could be used up pretty quick if you need to stay in Hospital a while longer than normal.
We had our first child in the public system for $450 our second first class at the Matilda at about $72000 Cathay gave as about $5000 back with various excuses . However given the choice again we would have had both at the Matilda 2nd class .
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BandH
BandH
If you don't like it when someone posts a reply with their opinion may I suggest you crawl back under whatever little stone you crawled out from.
If public was so bad, then why oh why did you have another one delivered in the public system.......silly boy
No wonder this place is going downhill fast.
If you don't like it when someone posts a reply with their opinion may I suggest you crawl back under whatever little stone you crawled out from.
If public was so bad, then why oh why did you have another one delivered in the public system.......silly boy
No wonder this place is going downhill fast.
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There is no finer facility in Hong Kong than Queen Mary's Hospital. In fact Hong Kong's public hospitals are among the finest in the world. You will have to leave your racism at the door on the way in though.
If you want someone to stroke your wife's ego for 5 days and shell out HKD100k go to Matilda. Complications seem to run higher in the private hospitals due to the fact that they are smaller, money driven, and have to call in the obs/gyn and anesthetist for emergency C section.
Both my kids were born in QMH, with all the pre-natal and follow-up in the public system - without any problems, and HKD350 each time.
CX will pay NOTHING towards maternity related costs. You can buy a package, but I would recommend the public system as childbirth is very much a volume business, and as with pilots there are very few old bold midwives.
If you want someone to stroke your wife's ego for 5 days and shell out HKD100k go to Matilda. Complications seem to run higher in the private hospitals due to the fact that they are smaller, money driven, and have to call in the obs/gyn and anesthetist for emergency C section.
Both my kids were born in QMH, with all the pre-natal and follow-up in the public system - without any problems, and HKD350 each time.
CX will pay NOTHING towards maternity related costs. You can buy a package, but I would recommend the public system as childbirth is very much a volume business, and as with pilots there are very few old bold midwives.
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BandH - what the f are you going on about? How does Cathay charge you for food in a public hospital? You have no idea what you are talking about. And if you or your wife didn't like the congee, how about taking your wife a decent meal. Or didn't that occur to you?
Had one in QMH and happy about the whole process considering the cost. Sure it wasn't a picnic, but what do you expect for a few hundred bucks. It's only a couple of nights in. As mentioned above, don't expect to be treated like a prima donna.
ACMS - the current Cathay system lets you have the pleasure of paying the first 60-70k(approx) of maternity related costs (assuming a panel doctor/hospital). After that, they will pay. I agree that if you are covered seperatley in Oz, then that is just as good.
Had one in QMH and happy about the whole process considering the cost. Sure it wasn't a picnic, but what do you expect for a few hundred bucks. It's only a couple of nights in. As mentioned above, don't expect to be treated like a prima donna.
ACMS - the current Cathay system lets you have the pleasure of paying the first 60-70k(approx) of maternity related costs (assuming a panel doctor/hospital). After that, they will pay. I agree that if you are covered seperatley in Oz, then that is just as good.
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You will have to leave your racism at the door on the way in though.
Either you are a local, or have been walking around with blinkers on, racism is generally not an expat issue 
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Thanks guys for some of the replys.
At the end of the day it is our first child , I want to be sure that whatever decision I make is in the very best interest of my wife!!
I understand there are costs involved for private ,and the public also has its advantages.
Anymore feedback would be great.
Cheers
At the end of the day it is our first child , I want to be sure that whatever decision I make is in the very best interest of my wife!!
I understand there are costs involved for private ,and the public also has its advantages.
Anymore feedback would be great.
Cheers
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At the end of the day it is our first child , I want to be sure that whatever decision I make is in the very best interest of my wife!!
or the best interest of your child.......
Public system=special care facilities.
Private system= no special child care facilities.
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Of course all this Matilda/expenses crap is due to part of the old package, when if your wife had an 'emergency' C section it was covered under the health insurance, whereas normal childbirth was "for the officers own account", many expats are still on this sort of package. Amazingly enough the percentage of C sections was one of the highest in the world........
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We had one of ours at the Prince of Wales in Sha Tin. We were quite happy with the care and birthing process. They offered a semi private package which consisted of being able to pick your pre-natal checks with your preferred doctor at your preferred time and pretty well guaranteeing that doctor to be the handling doctor during the birth. You could also attend the birthing process which is not always possible at public hospitals as several women could be giving birth in the same room at the same time, and any one woman can veto a husband's attendance in that room. I can't remember it being expensive and you have the advantage of being at a public hospital should any problems arise. We ended up getting a two person ward afterward, however, the other bed was not occupied.
There were some minor complaints, but nothing about the professionalism of the care, which in the end is the main thing.
Busdude
There were some minor complaints, but nothing about the professionalism of the care, which in the end is the main thing.
Busdude
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I think you would want to re-think that statement mate
3rd World is when appr. 200 people are queing to get their ration of food/water for the week next to the a/c on the dust strip and you see a pregant woman run of in the bushes only to come back not so pregnant with a infant in her hands!!!
If you deliver a baby in a hospital that can be at worst 2nd world
(if u get that sort of thing!!)
3rd World is when appr. 200 people are queing to get their ration of food/water for the week next to the a/c on the dust strip and you see a pregant woman run of in the bushes only to come back not so pregnant with a infant in her hands!!!
If you deliver a baby in a hospital that can be at worst 2nd world
(if u get that sort of thing!!)
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Doesn't say much for Hong Kong's health system if you have several women giving birth in the same room. Sounds very 3rd world.
The labour ward may have a few girls in same ward in early labour, but as soon as it gets to active labour, you move to the delivery room.
There is a visiting time limitation, and to be honest it is OK. I found the staff to be pragmatic, but the seemed to know when my wife needed a rest and shoo'ed me to the fathers room.
The food situation is easily rectified by a trip to Starbucks to pick up a nice few sandwiches etc. The food in the hospital is not nasty because it is chinese food, it is nasty because it is hospital food, and is very bland and tasteless because that's what a lot of sick people can stomach.
If the sh!t hits the fan the neonatal ICU is a short trolley-push away, and the theatres are always in hot standby with the necessary people ready to rock and roll at the drop of a hat...
My advice:
The best care is available in the public hospitals. If you want to treat your wife, spend the money on a nice holiday.
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had three kids back in Aus, with private health care.
Have a doctor in the family who says that in some of the hospitals in Hong Kong they are using medical journals from the 60s!
If the birth goes fine with no complications all is fine in a hong kong hospital! But so is having it in a field!
Its when the sh@t hits the fan that you could pay a bigger price than you ever dreamed, and be fed a @#$%&%it excuse of why it happened.
I personally couldnt live with that all to save a few dollars.
So in 6 yrs when your son says "Dad How come i cant hear out of might right ear", you can tell him "well we saved money by having you in hong kong and you picked up a secondary infection in the hospital after you were born!"
It comes down to a personal choice, but the point im making is dont make that choice on money. The kid is going to cost you the best part of $300,000 by the time he or she moves out so get used to it and dont worry about the cost and count your pennies like an "A scaler!"
Sry couldnt help that last comment
.
Best of luck with your baby either way, good luck!
Have a doctor in the family who says that in some of the hospitals in Hong Kong they are using medical journals from the 60s!
If the birth goes fine with no complications all is fine in a hong kong hospital! But so is having it in a field!
Its when the sh@t hits the fan that you could pay a bigger price than you ever dreamed, and be fed a @#$%&%it excuse of why it happened.
I personally couldnt live with that all to save a few dollars.
So in 6 yrs when your son says "Dad How come i cant hear out of might right ear", you can tell him "well we saved money by having you in hong kong and you picked up a secondary infection in the hospital after you were born!"
It comes down to a personal choice, but the point im making is dont make that choice on money. The kid is going to cost you the best part of $300,000 by the time he or she moves out so get used to it and dont worry about the cost and count your pennies like an "A scaler!"
Sry couldnt help that last comment
.Best of luck with your baby either way, good luck!
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Go Public
Have a doctor in the family who says that in some of the hospitals in Hong Kong they are using medical journals from the 60s!
Read some of the other posts. The large public hospitals stand up to the test against all other so-called modern countries. If anything goes wrong with the birth a public hospital is where the GOOD emergency treatment is to be found.
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I guess those "manuals from the sixties" aren't so bad... Maybe those Aussie docs should have a look at them!
United Nations Population Division - Infant mortality rate
(deaths per 1,000 live births)
Hong Kong: 3.7
Australia: 4.4
http://en.wikipedia.org/wiki/List_of...ty_rate_(2005)
United Nations Population Division - Infant mortality rate
(deaths per 1,000 live births)
Hong Kong: 3.7
Australia: 4.4
http://en.wikipedia.org/wiki/List_of...ty_rate_(2005)
Last edited by betaboy; 14th Apr 2008 at 00:29. Reason: To fix hyperlink
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My Kid was born in Queen Mary with severe complications and very prem.... The wife was also in a life threatening way, we were told before the surgery that her chances were not very good....
The care they got in ICU & NeoICU for a month was unbelievable - I have nothing but praise for the fine work these Great Doc's and Nurses did for us. Medically there was no compromise, the care was a bit crude perhaps (lacking bed side manner), but I have a healthy wife and child with no complications!
And the bill came to HK$1700.
AFL
The care they got in ICU & NeoICU for a month was unbelievable - I have nothing but praise for the fine work these Great Doc's and Nurses did for us. Medically there was no compromise, the care was a bit crude perhaps (lacking bed side manner), but I have a healthy wife and child with no complications!
And the bill came to HK$1700.
AFL