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MissCandice 
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Joined: 01 January 2007
Location: Christchurch
Points: 3836
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 Topic: Health Insurance..
Posted: 20 May 2008 at 9:26am |
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What company are you with?
What do you get?
How much does it cost for you and 1 child with no access?
Im with tower, if i want no access (i hope thats the word) it will be $5.70 a month as my work pays the rest.
If i want Kylah on the plan with no access its $29 a month.
For some reason i thought it was free for babies to be added.
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~ Mummy to a beautiful girl ~
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MissCandice
Senior Member
Joined: 01 January 2007
Location: Christchurch
Points: 3836
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Posted: 20 May 2008 at 9:28am |
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Oh and how does life insurance work?
TIA guys
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~ Mummy to a beautiful girl ~
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Jessica
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Joined: 26 March 2007
Location: Oamaru
Points: 896
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Posted: 20 May 2008 at 9:53am |
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Kandise sometimes it is lot cheaper if you go with an excess, I think we have an excess of $300, it makes the premuims cheaper for the three of us. It doesn't help Ihave a pre existing condition, I am not sure what difference it made when we added Lachie.
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Our con-joined boys 20 wk
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mummy_becks
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Joined: 01 January 1900
Points: 14931
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Posted: 20 May 2008 at 9:53am |
For me and the 2 boys with Southern Crosses Wellbeing 2 plan with no excess is $800 odd a year.
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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peanut butter
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Joined: 20 February 2007
Points: 8044
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Posted: 20 May 2008 at 10:10am |
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We are with SOuthern Cross and for me, DH and Tom with hospital and specialist cover and no excess it is $105 per month. I think my premium is slightly cheaper as I am part of a group scheme...but not as subsidised as yours. It cost us an extra $19/month for Tom but I think a secnd child is free.
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MissCandice
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Joined: 01 January 2007
Location: Christchurch
Points: 3836
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Posted: 20 May 2008 at 10:12am |
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Ok cool. Thanks guys.
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~ Mummy to a beautiful girl ~
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emz
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Joined: 25 November 2006
Location: Christchurch
Points: 5321
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Posted: 20 May 2008 at 10:57am |
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Life Insurance - basically you take out a sum and then pay a premium based on that. I only have 10k as I really would only need the funeral paid for. DH has it free and its 150k. Mum's is something ridiculous like 500k. I think it may depend on your earning power too? You can get a part of it which is terminal illness, so they pay your life insurance if you are diagnosed as terminally ill or unable to return to work.
We pay about $65 a month for me and Jack. I thought babies were free too if you joined them up before 30 days, but nup got stung when the first bill arrived. Should have asked lol. I'm with unimed and get it discounted (but only slightly) through work. Once again, we don't pay for DH as he gets all urgent stuff through work.
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mummy_becks
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Joined: 01 January 1900
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Posted: 20 May 2008 at 12:43pm |
Yeah I don't have DH on my health insurance due to his job - sames as emz DH.
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I was a puree feeder, forward facing, cot sleeping, pram pushing kind of Mum... and my kids survived!
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Maya
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Joined: 16 September 2003
Location: Sydney
Points: 23297
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Posted: 20 May 2008 at 1:04pm |
Eek, ours is $170 a month  But we have Ultracare and that's for me and the three kids.
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 Maya Grace (28/02/03)
 (02/01/06)
The Gremlins:Sienna Marie & Mercedes Kailah (14/10/06)
Lil miss:Chiara Louise Chloe (09/07/08)
Her ladyship:Rosalia Sophie Anais (18/06/12)
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minik8e
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Joined: 01 January 1900
Location: Taranaki
Points: 5838
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Posted: 20 May 2008 at 1:09pm |
Wow, I had Wellbeing 2 through Southern Cross and it was $14.50 a fortnight (subsidised through work). That was just for me. I had a loooooot of exclusions though  because of my history. I had to cancel it when we bought the house, but will probably get it again when things settle down a little bit financially (and I get my payrise I've been longing for!!!). DF is waaaay too expensive, because of his job and age, and he's a smoker.
ETA: That was with no excess too.
Edited by minik8e
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Skyflame
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Joined: 12 February 2007
Location: Te Aroha
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Posted: 20 May 2008 at 9:22pm |
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I am pretty sure we are on Unimed as it is heavily subsidised by DH's work. Usually if you enrol babies within the first couple of months they dont have to fill out a medical history but there is def a charge for them.
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Health Insurance..