[Timpo]

B.C. Baby Costs Aussie Couple $1M (http://www.huffingtonpost.ca/2012/03/26/piper-kan-australia-bc-baby_n_1380652.html?ref=canada&icid=maing-grid7%7Ccanada-hp%7Cdl1%7Csec1_lnk2%26pLid%3D146771)

[Presto]

I'd like more details on that insurance they purchased. :seriously:

[MG1]

All provinces have reciprocal arrangements with each other, except Quebéc. Makes sense, I guess, since everything has to be in french or else............ I kid, I kid. hee hee......

[tgill]

Evans and her husband paid $10,000 to BC Children's and Women's Hospital on a credit card as a gesture of goodwill and the hospital has agreed to absorb part of the cost.


The couple have since reached a personal financing agreement with the hospital to pay $300 per month for the rest of their lives, but based on the figures they've been given, it would take them more than 200 years to pay their bill at that rate.
:fulloffuck:

[MG1]

Kudos to them for not wanting the tax payers of BC to have to pay. Hopefully, the Aussie government steps up.

[RiceIntegraRS]

I'd like more details on that insurance they purchased. :seriously:

Me 2, those insurance places try to do everything humanly possible not to cover anything.

[yray]

Shes lucky she didn't go to labor half way across the pacific, landing at Hawaii would be one heck of a bill.

[Ch28]

I'd like more details on that insurance they purchased. :seriously:

Me 2, those insurance places try to do everything humanly possible not to cover anything.

Insurance companies are the scum of the earth.

They'll treat you like gold when purchasing it but will give you shit and do everything humanly possible to not pay for anything if you actually do need it.

It's so fucked up

[rslater]

They paid $12,000 for a helicopter in Nepal to get me off a mountain using a satellite phone speaking only to a Nepalese person who spoke minimal English...I can't complain.

[Gnomes]

Tripped Up - Marketplace (http://www.cbc.ca/marketplace/2012/trippedup/)

Marketplace looking into travel insurance and how they use lawyers to draft up contracts for the sake of fucking people in the ass.

[shenmecar]

I've never heard of anyone financing a baby. But damn that is :fulloffuck:

[MG1]

My question is, why were they travelling in the first place?

[Delish]

My question is, why were they travelling in the first place?

A typical pregnancy is 40 weeks. The article said she delivered premature at 26 weeks. At 26 weeks it's still considered safe for pregnant women to fly, as chances of miscarriage and premature labor are actually are actually slimmer.

[PiuYi]

^only 26weeks into pregnancy, so probably didn't expect the kid to pop out any time soon

[MG1]

Traveling in second trimester on plane? What for? Why take a chance? Preemies are not uncommon.


..............and thanks for reminding me how long a pregnancy is, LOL.

[Teh Doucher]

Me 2, those insurance places try to do everything humanly possible not to cover anything.

what makes me go :fulloffuck: the most is when i hear of people buying earthquake insurance for their home... i found out a couple of years ago that my parents had purchased it and i flipped out on them. lol.

[HonestTea]

what makes me go :fulloffuck: the most is when i hear of people buying earthquake insurance for their home... i found out a couple of years ago that my parents had purchased it and i flipped out on them. lol.

Elaborate? lol I have earthquake insurance :alone:

[Hehe]

IMHO, most insurance are scams.

I mean, they are private entities whose best interest is not to pay. How the fuck are you suppose to count on them?

The original idea of insurance was good, but due to the nature of greedy corporations, they are just trying to legally rob you in broad daylight with your own consent.

The insurance industry needs more transparency. The coverage terms should be very straight forward. And not pages after pages of terms and conditions.

[Teh Doucher]

Elaborate? lol I have earthquake insurance :alone:

:rukidding:

[MG1]

I think I have earthquake insurance, too.

[FerrariEnzo]

WTF.. typical insurance companies to try and back out of paying for shit... SCAMMERs....

they should go after the insurance company, they did agree that it would be covered.... then what the insurance company saw the bill and said :rukidding: :fuckthatshit:

[melloman]

@Ferrari.. if you read the end part there was the fine print in the policy saying the insurance company wouldn't cover them here.

I'm happy they're not giving the bill to BC taxpayers because that would be ridiculous.. give us another bill to pay.. :rukidding:

[GGnoRE]

thats a million dollar baby right there, he better turn out to be a good person

[european]

damn, that's pretty nuts!

[GLOW]

Traveling in second trimester on plane? What for? Why take a chance? Preemies are not uncommon.

+1
unless absolutely necessary i can't wrap my head around why...
:fulloffuck:

[Ferra]

From the articles:
The baby girl weighed less than a kilogram when she was born by emergency C-section at BC Children's and Women's Hospital and spent 90 days in neonatal intensive care with breathing and lung problems, at a cost of $8,120 per day.
intensive care unit is extremely expensive, but mainly because of overhead and equipment costs
It doesn't cost the hospital anything near that amount of money to have an additional patient staying in the ICU...


The couples sound nice enough to pay out whatever they could atm, and work out some monthly payment (however small) with the hospital...
it would suck for a family to be destroyed financially because of an accident like that...

[Spartacus]

what makes me go :fulloffuck: the most is when i hear of people buying earthquake insurance for their home... i found out a couple of years ago that my parents had purchased it and i flipped out on them. lol.

I read that 60% of bc residnts have earthquake insurance. Please elaborate.

[fsy82]

My wife is 27 weeks pregnant right now and I wouldn't even consider traveling outside of Canada until after the baby is born. No point in taking that kind of risk.

[MG1]

^congratulations, btw.

First time?

[HonestTea]

Teh Doucher, explain!

[StaxBundlez]

for some reason i googled this after reading that article.

HowStuffWorks "If a child is born on an airplane, what's his citizenship?" (http://people.howstuffworks.com/air-birth.htm)

lol

learn something new everyday.. didn't know it was actually that complicated.

[quasi]

I read that 60% of bc residnts have earthquake insurance. Please elaborate.

That number is really surprising to me.

I don't have it, if an earthquake crumbles my home to the ground I think we'll all have way bigger problems as a Province and Country. If somehow my home was destroyed it would mean that most if homes between Langley and Vancouver would be toast as well in which case we're all fucked. If my home takes slight damage I'll either fix it myself or if it's something I can't do the company I work for will fix it on the cheap. I could never ever see myself buying earthquake insurance but I can understand why some people might want peace of mind.

Now life insurance, well that's something else.

[vitaminG]

Elaborate? lol I have earthquake insurance :alone:

an earthquake strong enough to destroy your home will probably destroy hundreds of homes (hopefully all of richmond). If one company has written insurance policies on a large number of homes in a particular area, then a devastating earthquake will quickly drain all the company's resources. Especially given the construction costs in lower mainland.

If its a minor quake the damage might not even be worth paying the deductilbe.

overall better off to save your money and cover earthquake costs out of pocket if it ever happens.

[Mancini]

I'm really curious about what's happening here. Obviously, something is not right. If the insured was specifically advised that they would be covered for birth then this is an estoppel situation.

Me 2, those insurance places try to do everything humanly possible not to cover anything.

Insurance companies are the scum of the earth

IMHO, most insurance are scams.

I've worked for multiple insurance companies over a number of years. In Canada many insurers operate at an underwriting loss (at least where I've worked). Any profit is generated by premium investments. And this is not a result of exorbitant overhead. It tends to be a stressful place to work, partly because of how tightly they run their operations.

[Marco911]

The title of that article should be renamed: "Aussie baby costs BC taxpayers $1,000,000"

[Marco911]

From the articles:


The couples sound nice enough to pay out whatever they could atm, and work out some monthly payment (however small) with the hospital...
it would suck for a family to be destroyed financially because of an accident like that...

No it wouldn't. God forbid people be held accountable for their own lack of planning or stupidity.

There are no good solutions in a situation like this, but pain has to be felt both ways. Being "destroyed financially" is a good start.

People can't have it both ways - complain about high taxes yet feel entitled to live in a society that takes care of the poor.

I think our government needs to be better prepared for situations like this.
Mainland mommies can fly to Canada, give birth, get citizenship for the child, claim they can't pay the hospital bill, and fly right back to China. What's stopping them? It happens in the U.S. all the time with illegal aliens from Mexico.

One solution would be for the government to purchase private sector insurance for uninsured foreigners needing emergency medical treatment. Anyone finding themselves in a situation to need this emergency insurance would be charged a proportional cost of the insurance so the program breaks even. The cost to the patient would be a whole lot less than $1M, but much more than if they had private insurance in the first place.

Second solution: Any foriegner not able to pay their hospital bill does not get citizenship for their child until debts are paid.

Problem solved.

[umpadupa]

an earthquake strong enough to destroy your home will probably destroy hundreds of homes (hopefully all of richmond). If one company has written insurance policies on a large number of homes in a particular area, then a devastating earthquake will quickly drain all the company's resources. Especially given the construction costs in lower mainland.

If its a minor quake the damage might not even be worth paying the deductilbe.

overall better off to save your money and cover earthquake costs out of pocket if it ever happens.

First off, Insurance in Canada is different from the rest of the world. They have enough funds to back up what they insurance, no to mention an Earthquake will only destroy PART of a country. If an EQ hit Vancouver, SK and East would only feel a tremmor and their premiums will then be used to reimburse everyone else. Over all if u wanna cover ur own house in the event of an EQ go ahead, if u Have $100+K cash or bank loan(thats if they will in an emeregency). Bylaws might force you to tear down ur house due to damages sustained even if it does not look like it needs to be. Something to think about. ( this is not calculating additional cost ie. rent for the time being)

I personally have EQ insurance, cuz i know i wont have $200+k just to rebuild my house.

Moving On:

Im an insurance agent, and all im gonna say is that the agent the delt with fked up.

Insurance companies aren't all evil, please read ur damn policy booklet that is given to you every time, if u have a question please ask BEFORE u leave the country.

If everything happend as they said, and the agent over the phone confirmed they have coverage then later said they dont. The couple has every right to sue the brokerage/agent to get their reinbursment. Brokerages buy insurance for this called E&O.

Sry prob tons of spelling mistakes, but hopefully u get the picture.
(btw, make sure when u buy travel insurance, u tell them every thing ie. if ur gonna be drinking while u are away. Some companies dont cover any blood alcohol)