谢谢回复会再找保险经纪确认。不过下周三手术的话今天就要跟医生定时间了。我也想尽快解决掉这个问题，女佣听到医生提到癌，估计有个确定的结果出来之前也不能安心了。而且手术是直接在诊所做，不知道能不能算不算住院。 Term 是这样的： If your foreign maid suffers an injury or sickness and needs to stay in hospital while in Singapore or needs to go into hospital as an emergency while she is overseas, we will pay for the necessary and reasonable hospital and surgical expenses (including day surgery), recommended or asked for by a medical practitioner for your foreign maid to be treated in a hospital, up to the limit shown in the schedule 看起来就是要进医院才可以。 医生的手术费跟化验费实在不能报也就算了，如果这样接能彻底解决问题的话。我更担心的是后续会不会有更多费用产生。还有因为换保险的问题，会不会因为Pre-Existing的问题而不可以报。不过看它的条款因该是可以的。General Exclusion 里的一项： pre-existing medical conditions or physical problems happening before the start of the policy unless your foreign maid had been working in (more...)