[quote=“navillus”]I was recently admitted to a hospital for surgery(tonsilectomy). The bill said it would have cost around 45 000 NT without NHI but I paid around 9 000 NT. My private insurance then paid me 25 000 NT. This included a four night stay at the hospital. I was in a semi-private room so this added 1200NT per night onto my bill. If I had not had the semi-private room the bill would have been around 4 000NT.
As far as I know most surgery is covered by NHI with the exception of cosmetic surgery.[/quote]
That’s quite interesting. I noticed recently that fully private en-suite rooms run about NT$7k a night and I have seen over NT$10k, at Tai Da I think. Still a bargain compared to the UK, but much more than Bangkok.
So your insurance paid out more than your actual costs? Which company and when did you get it? How do they calculate the benefit?
How come a tonsillectomy took four days? I ask not because I’m a nosey bastard, but rather to enquire if there were complications, and if so (and even without I suppose) your bill of NT$45k was not excessive. Did you notice how much the private rooms were?
I recently had out-patient surgery but I never got to see the bill in full (long story which I won’t go into) but it was done privately and the charge for theatre alone (about an hour) was NT$13k. I wonder if the bulk of an in-patient bill is in fact related to accommodation, or theatre “rental” and staff costs. May I ask what procedure was used? (Butcher’s knife, cauterising laser, radio frequency thingummybob, Coblation, voodoo…?) General anaesthetic, I presume?
Surely there must be a source of info on this rather than us having to swap medical experiences over the internet? I must check it out.
I’m interested because it sounds as if yours is local insurance, and I was told the benefits had changed recently and it was no longer the good deal it was four or five years ago (“especially for foreigners”, of course). Also I am only interested in the medical benefits, and do not want any tie-in to life insurance or timeshares in the Costa del Bravo. However, yours seems to have come up trumps, with the end-payment possibly covering even a private room if you had selected one. (Was it down south? Those rates sound very cheap for Taipei.)
Does your policy cover pre-existing and/or chronic ailments? Does it (best-case scenario) just cover anything that you might need done in a hospital out of medical necessity? If so, I would be very interested.
Me (30s) and the missus (20s) together are paying a thousand quid (NT$60k and rising daily as the NT dollar slowly becomes worthless) a year for out-patient care from Goodhealth, and it’s going to go up next year and every year for ever. How does that compare with your terms? What is the fastest land animal? Does your chewing gum lose its flavour on the bedpost overnight? Which team won the FA Cup Final in 1951? What was the name given to the agreement that ended the… (Sorry for all the questions. )
It was Newcastle.