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Private health insurance in Australia

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virjmm25virjmm25 MelbourneTotal Reaction Points: 0Member
edited June 2013 in Health Care Posts: 5
Hi to all good day!

Tanong lang po kung ano ang pwede nyong marecommend na private health insurance in Austarlia. It is one of the requirements we need to comply. Please free to post if you have an idea. Thanks a lot :-) God bless us all.
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  • LokiJrLokiJr Quezon CityTotal Reaction Points: 25Member, Moderator
    Posts: 2,616
    This site may help you po...may comparison at rankings bawat provider
    http://www.privatehealth.gov.au/



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  • tita_vechtita_vech MandaluyongTotal Reaction Points: 3Member
    Posts: 79
    @virjmm25 - compare mo lang mabuti yung products kasi you can customize the cover most of the time. Consider mo needs ng family, age, hilig sa extreme sports, etc.

    Been with Medibank, NIB, MBF, HCF and so far madali naman mag claim sa kanila nang extras.

    Sana may mag-send ng feedback about hospital cover, lucky for me hindi pa ako na ospital. Experience ng friends bago mag pa ospital they discuss first sa insurance provider to make sure that the procedure they will be undergoing is actually covered.

    Advice sa mga paalis pa lang, mag eye at dental check-up muna kasi sobrang mahal yan sa Oz.

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  • johnandjoshjohnandjosh BrisbaneTotal Reaction Points: 5Member
    Posts: 107
    @virjmm25 medibank ang gamit namin for almost a year na rin. Once pa lang namin nagamit when wife and I bought eye glasses. This is part of the extras, bale $200 per year per person. $55 lang binayaran namin for wife and sa akin wala akong binayaran. We haven't tried this sa hospital. If you decide to get Medibank, meron ako pwede ma-refer sa iyo na Pinay based in Adelaide. Just let me know.
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  • virjmm25virjmm25 MelbourneTotal Reaction Points: 0Member
    Posts: 5
    thanks a lot po sa inyong lahat... :-) i let you know johnandjosh the moment na magdecide kami... thanks a lot tita_vech sa input.. thanks LokiJr sa site :-)
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  • virjmm25virjmm25 MelbourneTotal Reaction Points: 0Member
    Posts: 5
    thanks a lot po sa inyong lahat... i let you know @johnandjosh the moment na magdecide kami... thanks a lot @tita_vech sa input.. thanks @LokiJr sa site
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  • stolich18stolich18 SydneyTotal Reaction Points: 30Member
    Posts: 993
    @tita_vech
    oh noh, pano n lng kmi ni hubby na parehong mataas ang grado ng mata? heheheh
    261313 (Software Engineer)

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  • LokiJrLokiJr Quezon CityTotal Reaction Points: 25Member, Moderator
    Posts: 2,616
    Good thing about Australia is that it pays to buy your own insurance...Mas mataas tax sayo pag wala kang private health insurance hehe



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  • raycelraycel MelbourneTotal Reaction Points: 0Member
    Posts: 21
    Hi May visa 475 dito? Anung private insurance nyo since d pa tayo entitled sa medicare and how much? we have a 2 years old kid too. thanks
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    edited October 2012 Posts: 4,303
    An ignorant question but I would want to know why is there a need for private insurance when there is medicate? :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
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    03 Apr 2013 - Flight to MEL
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    15 Jun 2016 - applied for citizenship
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  • lock_code2004lock_code2004 PerthTotal Reaction Points: 257Member, Moderator
    Posts: 5,037
    An ignorant question but I would want to know why is there a need for private insurance when there is medicate? :)
    for Temporary Visa like 475 or 489, they don't have access to Medicare..
    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,303
    An ignorant question but I would want to know why is there a need for private insurance when there is medicate? :)


    for Temporary Visa like 475 or 489, they don't have access to Medicare..
    so basically, mga 189 and 190 visa holders (or the 175/176) - as they have medicare, di na kailangan mag private insurance? :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • lock_code2004lock_code2004 PerthTotal Reaction Points: 257Member, Moderator
    Posts: 5,037
    tama sir.. pero sabi nga nila pwede din naman kumbaga additional na ung private insurance...
    kung malaki sweldo or kung mataas ang health risks ng family..
    Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
    Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
    May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
    June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
    Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
    Oct 16-28, 2012 - Initial Entry Completed - Sydney
    July 28, 2013 - Final move to Perth
    Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
    Oct 28, 2013 - Moved to another company.. ;)
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  • li_i_renli_i_ren North RydeTotal Reaction Points: 23Member
    edited October 2012 Posts: 434
    for new migrants to oz, not all are entitled to medicare. not all visa classes are entitled to medicare or public funded healthcare, to simplify let's just think of it this way if you're not a permanent resident/visa holder there is a possibility that you will not be legible for medicare or the waiting time to get a medicare number is LONG.

    public funded healthcare works this way... if you need a scan like ultrasound/ mri/ ct scan but it is not urgent of life threatening..they will make you wait for 3-6 months whereas if you have private insurance you can have it done privately fast.

    but say you had an accident or acute illness (appendicitis maybe), you can be treated in the emergency room even if you have not provided for private insurance. the problem will then be once you are admitted and had surgery.. what if you are not yet legible for medicare? what if you do not have your medicare number yet even if you have applied?? then how will you pay?

    ..kasi sometimes may waiting period to claim for medicare so there are instance specially if work visa holder ka na medyo complicated ang entitlements then you will have to pay from your own pocket for all treatment received then if you are entitled naman to medicare, you can claim all those expenses you have paid BUT DIBA YOU PAID NA FROM YOUR OWN POCKET first.. if you have private insurance then the hospital can directly claim from the private insurance without asking you to pay from your own pockets first.

    clear lang ang entitlement to medicare for citizenships and permanent residents... but for work visa holder kahit anung number series yan there are lots of waiting periods/ loop holes.
    so it is safer to have private insurance.

    anyway most will not be granted visa naman if you do not have private insurance FROM australia.. so philippines insurance IS not recognized (note philhealth is NOT an insurance company) what you do is go online, google what insurance providers there are and give them a call long distance.. they are quite well verse naman on what insurance you will need. get a quote..don't settle for one that you will not be able to afford.

    also remember there are clauses in your private insurance that says they will not shoulder expenses like pregnancy for at least 1 year..so make sure you DON'T get pregnant for 1 year muna kasi the insurance might not pay for that.

    in the hospital i work, it's a public hospital, most australian citizens really have insurance. the hospital also gives you a note saying if you have private insurance please make a claim with them for this stay because it will help the hospital with operation costs. the good thing with insurance is that you can choose your own doctor. even if you are paying on a private insurance, it doesn't mean you will get a private room. public hospitals here have an open ward setting and single rooms are given to infectious/ immunocompromised patients only.

    my other friends work in a private hospital, private hospitals here can look like hotels so if you are legible to give birth na based on the length of time you had your private insurance..it would be nice to do it in a private hospital kasi you will have your own room and good amenities. if you paid for it from your own pocket, normal delivery can apparently cost about 2000-3000 aud at least if you have private insurance and not sure of medicare entitlement you don't have to worry about such costs.

    kahit na super malaki sweldo mu.. would you risk it? let's say you had a car accident and needed spine surgery, the cost for spinal rods is about 70,000 aud.. just for spinal rods. so if you do not have private insurance and your medicare entitlement is not yet active kasi let's say you have only been in australia for 3 months... where would you get 70,000 aud to get your spine done?? do you think in 1 year in oz or less, you will save 70,000 aud right away?

    for 50-100 aud a month sa insurance..i think i'll get private insurance and when i have a medicare number on hand and well-versed with what i can be entitled then saka na ako mag decide if private insurance is on top off medicare or a must pa rin to have. think about it that way...
    heyits7me_mags
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  • icebreaker1928icebreaker1928 SydneyTotal Reaction Points: 40Member
    Posts: 1,446
    @li_i_ren very well said mam...

    check nyo rin po mga ka-forum dito for further details :)

    http://www.privatehealth.gov.au/healthinsurance/whatiscovered/
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  • LokiJrLokiJr Quezon CityTotal Reaction Points: 25Member, Moderator
    Posts: 2,616
    Mas mataas tax payable niyo pag wala kayong private health insurance hehe...may dinagdag sila sa 1.5% medicare levy so in the end, mas praktikal na ring kumuha hehe



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  • johnandjoshjohnandjosh BrisbaneTotal Reaction Points: 5Member
    Posts: 107
    Very good explanation @li_i_ren

    I have also heard about this (though I am not 100% sure) - that for a PR visa holder, you have 1 year from the date of arrival in Aus to get a private health insurance. Otherwise, kapag after 1 year pa kayo kumuha, meron ng penalty or "loading" na tinatawag nila. I am not sure about this but better kung may magko-confirm nito or inquire kayo sa medicare or private health insurance provider.
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  • LokiJrLokiJr Quezon CityTotal Reaction Points: 25Member, Moderator
    Posts: 2,616
    This should help :) http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/mls.htm

    +1% tax if you do not have private health insurance...parang Php27,000 nawala sayo...they also offer rebates if you buy a private health insurance so win-win :)



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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,303
    but how much really is the cost of insurance per year? i know this depends on the level of coverage you want but on the average, how much will it hit the pocket?
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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  • TotoyOZresidentTotoyOZresident Total Reaction Points: 141Member, Moderator
    edited October 2012 Posts: 1,330
    but how much really is the cost of insurance per year? i know this depends on the level of coverage you want but on the average, how much will it hit the pocket?
    Usually AUD1100+ dipende the cover health insurance, kung kinuha mo lahat ng cover baka aabot ng AUD2000 annual. Most health cover, you must wait at least 12 months bago mo magamit ang health insurance mo. Goodluck
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  • TasBurrfootTasBurrfoot OsakaTotal Reaction Points: 264Member, Moderator
    Posts: 4,303
    but how much really is the cost of insurance per year? i know this depends on the level of coverage you want but on the average, how much will it hit the pocket?


    Usually AUD1100+ dipende the cover health insurance, kung kinuha mo lahat ng cover baka aabot ng AUD2000 annual. Most health cover, you must wait at least 12 months bago mo magamit ang health insurance mo. Goodluck
    Oo nga, nakita ko yung waiting period na clause... :)
    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
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