Advise Needed - Queen Mary vs. Maltida with No Insurance

Rani, HI may cover 25K USD. PPP covers 2Mil USD

Its expensive but that is one of the reasons I chose it, strictly for insurance in case something went really wrong.
For us it turned out to be a very good choice as our 3rd one ended up spending 2 extra weeks in a box as he wasnt cooked properly :-)
The total overall bill came to over 250K HKD and it was fully paid up by insurance.

Aside : we did not use Matilda. We visited several hospitals and we really didn't like Matilda. It was all a bit over the top and not something we desired. We had our 3 babies at Adventist. If I had to do it again, knowing what I know now, I would choose Sanitorium and I would pick a different doctor than Sally Ferguson...
 
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Now that I looked at both in detail, I see that the major difference between the 2 plans is the chronic illness cover.
HI seems to cap this at 200K lifetime which is too low.
Going for chemo and/or kidney treatments in private hospitals will eat that up very quickly.

BTW: we dont have that level insurance anymore. Once we had our children, I reduced the coverage :-)
 
No doubt about that, but if you start looking at the names of the doctors involved in the chronic and serious issues you will find almost all of them will also be listed in the Sanitorium directory and many of them will also practice from Sanitorium. Its the same team playing in different ballparks.

Then you are back to the Matilda vs Public hospital debate :-)
If you had the money and/or insurance, would you not choose the ballpark with the nicest seats and better food ?
 
howardcoombs said:
Then you are back to the Matilda vs Public hospital debate :-)
If you had the money and/or insurance, would you not choose the ballpark with the nicest seats and better food ?
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Absolutely not! I want the best equipment and knowledge. QM and Grantham (known for their heart and lung specialists) are the way to go. Believe me, we have some weird illnesses in our family and we've all opted to go the Gov't route.
 
Next time you are at QM and/or Grantham, ask your specialist if they also practice in a private hospital. Chances are, they will tell you Sanitorium. If they say Sanitorium, ask the specialist for their opinion about the equipment.

After that, make the best choice for yourself.

I have nothing against public but if you have insurance already, it would make more sense (to me) to go thru the pain in relative comfort.
 
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TheQuasimother said:
I would rather go home and deliver than deliver in HK, especially with a complicated pregnancy.
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Just wanted to comment on this one... I would have to agree - I had my 2nd daughter in HK and she was in NICU at QMH for four months. It was an extremely difficult time, compounded by the hospital's restrictive policies. My elder daughter was able to meet her sister ONCE in those four months, despite my baby being healthy and not immuno-compromised. We were restricted to seeing her between 3-8pm, but I couldn't stay later than 5pm as I had to get my older daughter fed, bathed and put to bed. I really believe that IF she'd been born in another country such as the US or Australia, the NICU stay would have been far less traumatic. Other babies I've "known" (from online) which were born in the US had far shorter NICU stays for one (the QMH team is very over cautious, which is good and bad, and kept her there "just in case" for 3.5 of those months) - and even the babies who were far more seriously sick than mine and required a breathing tube to be placed had shorter NICU stays. Also in other countries, there are no restrictive hours on when parents can visit, and other visitors are also welcome. My daughter only had a total of 5 visitors or so in those four months.

While medically, the team at QMH are good, NICU for me was a very very difficult time over here, made only worse by the restrictions of the hospital. While my two deliveries in QMH were "adequate", my NICU experience was very unsatisfactory and I would rather go back to Australia to deliver than to face that again. That said, IF I were to fall pregnant again and my child did NOT have the same genetic condition as my 2nd daughter (there's a 25% chance and it's easily detectable on ultrasound by 12 weeks), I would probably give birth in the public hospital over here again - but if our next child DID have the same condition, I'd be hoping that we could permanently move back to Australia during my pregnancy.
 
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