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Private health insurance in Australia

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  • engineer20engineer20 Sydney
    Posts: 1,719Member, Moderator
    Joined: Jun 09, 2011

    @Captain_A said:
    may parating na ba na bagong bunso sir Dal?

    last na siguro yun at mahirap magalaga ng bata hehe. ikaw ang baka madagdagan at nalockdown kayo hehe

    29May2015: Submitted Online Application to VETASSESS (312112 Building Associate)
    02Jun2015: Lodged Date at VETASSESS
    28Aug2015: VETASSESS Assessment Completed (312112 Building Associate) - POSITIVE
    17Oct2015: PTE-A taken at SG
    19Oct2015: PTE-A Result: L-83, R-90, S-76, W-90 OAS-87
    19Oct2015: Submitted EOI Visa 190 (65 points plus SS 5 points if granted)
    19Oct2015: Submitted VIC SS Online Application Visa 190
    20Oct2015: VIC acknowledged SS application and gave Reference Number
    02Nov2015: VIC SS Application Rejected
    05Nov2015: Submitted Online Reassessment to VETASSESS (312212 Civil Engineering Technician) 08Feb2016: VETASSESS Outcome POSITIVE
    07Nov2015: Updated EOI to select NSW (312112)
    18Dec2015: Received NSW SS Invitation Stream 2
    21Dec2015: Lodged NSW SS Application
    12Jan2016: NSW SS Approved / Visa 190 ITA Received
    29Jan2016: SG PCC (Me) / Medical (Me, Wife and Kid)
    01Feb2016: Medicals Cleared
    05Feb2016: Lodged Visa 190
    18Feb2016: NBI Clearance Applied (Me and Wife) - HIT
    29Feb2016: SG PCC (Wife)
    03Mar2016: Collected and Uploaded NBI Clearance
    04Mar2016: Direct Grant
    07May2016: Initial Entry (Sydney)
    16Jul2017: Big Move
    Oct2020: Lodged Citizenship Application
    May2021: Citizenship Interview and Test
    TBA: Citizenship Ceremony

  • Captain_ACaptain_A AUSTRALIA
    Posts: 2,179Member, Moderator
    Joined: Jul 04, 2012

    @engineer20 said:

    @Captain_A said:
    may parating na ba na bagong bunso sir Dal?

    last na siguro yun at mahirap magalaga ng bata hehe. ikaw ang baka madagdagan at nalockdown kayo hehe

    grabe ang hirap pala kapag may bata na.. lalo ngayon at lockdown..
    hndi na muna agad sundan.. heheh

    18 Mar '16 IELTS Results
    06 Apr '16 EA CDR Skills Assessment submitted
    26 Apr '16 EA Skills Assessment Positive Outcome
    06 May '16 PTE-A Exam
    07 May '16 PTE- A Results & Submitted EOI
    11 May '16 Got ITA
    02 Jun '16 Lodge Visa
    04 Jul '16 Direct Grant

    Believe you can... and you're halfway there.... - Roosevelt

  • jakibantilesjakibantiles Sydney
    Posts: 315Member
    Joined: Jan 14, 2019

    Hello po. Meron po bang policy na "as charged" ang arrangement for hospitalization katulad dito sa SG?

    ANZSCO 233512 | Mechanical Engineer | Age: 30, Education: 15, Work Experience: 10, PTE: 20, Spouse: 10, CCL: 5 | State Nom: 5 (NSW)

    Lodged Visa 482 | 17 Mar 2020 | Granted 24 Sep 2020 while Offshore
    Travel Exemption | DOA: 08 Oct 2020 | Approved: 12 Oct 2020

    Lodged EOI: Visa 190/95pts NSW
    DOE: 23 Dec 2020
    Pre-Invite: 10 June 2021
    ITA: 18 June 2021
    Visa Lodge: 05 Aug 2021
    Medical: 31 Jan 2022
    Visa Grant: 20 Apr 2022

  • lapak18lapak18 Posts: 4Member
    Joined: Mar 04, 2022

    My health insurance na po ako sa company namin kailangan ko pa rin ba kumuha ng private insurance? Or kukuha na lang ako para sa wife ko na secondary applicant for tss 482

  • jspjsp Posts: 37Member
    Joined: May 13, 2022

    @lapak18 said:
    My health insurance na po ako sa company namin kailangan ko pa rin ba kumuha ng private insurance? Or kukuha na lang ako para sa wife ko na secondary applicant for tss 482

    Wow, anong health insurance coverage mo, if I may ask? TSS 482 din ako, and kakaconfirm ko lang sa HR duon na hindi nga raw covered ang insurance and I have to purchase a medical insurance for me and wife... bat ganonnn haaha, sana all...

  • lapak18lapak18 Posts: 4Member
    Joined: Mar 04, 2022

    @jsp yung health insurance from company is GU health plan, nag fill up ako form included yung wife and anak ko, and concern ko lang whether covered ba siya under visa condition 8501, if hindi bibili ako ng personal insurance btw anung insurance kinuha mo?

  • jspjsp Posts: 37Member
    Joined: May 13, 2022

    @lapak18 said:
    @jsp yung health insurance from company is GU health plan, nag fill up ako form included yung wife and anak ko, and concern ko lang whether covered ba siya under visa condition 8501, if hindi bibili ako ng personal insurance btw anung insurance kinuha mo?

    Wala pa kasi hindi pa naman kami nanduon. Pero sabi nung immi lawyer, pwede naman na bumili while offshore, pero pwede din naman nakapag arrange na ng insurance para pagdating sa AU, meron na. Yun din actually ung tanong ko, need na ba mag purchase now while offshore? Or kapag nalaman na lang flight date? haha... kasi sa nakita ko, idedebit na nila monthly ung insurance, so kung now ka bili, madedebit ka na, following month same date, madededbit ka ulit...

  • lapak18lapak18 Posts: 4Member
    Joined: Mar 04, 2022

    @jsp yun and diko alam baka nga ibabawas na yun sa account pag ng purchase kna ng insurance

  • jakibantilesjakibantiles Sydney
    Posts: 315Member
    Joined: Jan 14, 2019

    Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

    ANZSCO 233512 | Mechanical Engineer | Age: 30, Education: 15, Work Experience: 10, PTE: 20, Spouse: 10, CCL: 5 | State Nom: 5 (NSW)

    Lodged Visa 482 | 17 Mar 2020 | Granted 24 Sep 2020 while Offshore
    Travel Exemption | DOA: 08 Oct 2020 | Approved: 12 Oct 2020

    Lodged EOI: Visa 190/95pts NSW
    DOE: 23 Dec 2020
    Pre-Invite: 10 June 2021
    ITA: 18 June 2021
    Visa Lodge: 05 Aug 2021
    Medical: 31 Jan 2022
    Visa Grant: 20 Apr 2022

  • a09a09 Posts: 5Member
    Joined: Jul 30, 2020

    Hi! I may apply for the Visa 482 soon. With regard to the adequate health insurance requirement, would I need to pay the insurance a one time fee for the duration of three years (three years kasi contract) or can I just pay for the first month for now?

  • magueromaguero Adelaide
    Posts: 821Member
    Joined: Oct 24, 2016

    @jakibantiles said:
    Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

    There are 2 things to consider. Yung first, depende sa income ninyo. Pag lumampas kayo sa income threshold sisingilin kayo ng Medicare Levy Surcharge kung wala kayong private health insurance. Parang mas mabuting i-compute ninyo kung magkano yung magiging surcharge ninyo tapos just get the insurance coverage equivalent to that amount. At least may benefits kayong makukuha kung ibayad nyo yung pera sa private health insurance kesa ibayad ulit sa Medicare na wala nang additional benefits. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/

    The second thing to consider is your age. If you are over 30 years old and wala kayong private health insurance tapos you decide to get this later on, you will be charged health care loading which will make your premium more expensive. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/Lifetime-health-cover/

    jakibantileshikari
  • magueromaguero Adelaide
    Posts: 821Member
    Joined: Oct 24, 2016

    @jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

    jakibantiles
  • jakibantilesjakibantiles Sydney
    Posts: 315Member
    Joined: Jan 14, 2019

    @maguero said:
    @jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

    Wow thank you po. Basahin ko po yung links na binigay nyo.

    ANZSCO 233512 | Mechanical Engineer | Age: 30, Education: 15, Work Experience: 10, PTE: 20, Spouse: 10, CCL: 5 | State Nom: 5 (NSW)

    Lodged Visa 482 | 17 Mar 2020 | Granted 24 Sep 2020 while Offshore
    Travel Exemption | DOA: 08 Oct 2020 | Approved: 12 Oct 2020

    Lodged EOI: Visa 190/95pts NSW
    DOE: 23 Dec 2020
    Pre-Invite: 10 June 2021
    ITA: 18 June 2021
    Visa Lodge: 05 Aug 2021
    Medical: 31 Jan 2022
    Visa Grant: 20 Apr 2022

  • yeppudayeppuda Manila
    Posts: 40Member
    Joined: Mar 15, 2017

    @jakibantiles said:
    Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

    from my experience nung first year ko after makuha PR, nag extras muna kami then recently move with hospital cover due to medicare levy surcharge and lhc . You can check health providers now may mga offers sila like in my case with HCF 3rd and 4th month free cover.

    jakibantiles
  • jakibantilesjakibantiles Sydney
    Posts: 315Member
    Joined: Jan 14, 2019

    @maguero said:
    @jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

    Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

    ANZSCO 233512 | Mechanical Engineer | Age: 30, Education: 15, Work Experience: 10, PTE: 20, Spouse: 10, CCL: 5 | State Nom: 5 (NSW)

    Lodged Visa 482 | 17 Mar 2020 | Granted 24 Sep 2020 while Offshore
    Travel Exemption | DOA: 08 Oct 2020 | Approved: 12 Oct 2020

    Lodged EOI: Visa 190/95pts NSW
    DOE: 23 Dec 2020
    Pre-Invite: 10 June 2021
    ITA: 18 June 2021
    Visa Lodge: 05 Aug 2021
    Medical: 31 Jan 2022
    Visa Grant: 20 Apr 2022

  • hikarihikari Australia
    Posts: 249Member
    Joined: May 29, 2018

    @jakibantiles said:

    @maguero said:
    @jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

    Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

    Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

    jakibantiles

    Master of Software Engineering

    Jun 2018 Started AU Dreams
    Aug 2018 Started inquiring about Student Visa pathway - AECC Global and KOKOS International
    30-Aug-18 Got an offer with a full scholarship from Macquarie University Course: Master of Information Technology | Application Date: August 20, 2018
    14-Sep-18 Got a conditional offer from Deakin University | Course: Grad Cert + Master IT | Application Date: August 20, 2018
    10-Oct-18 1st PTE-A Exam
    15-Oct-18 Got a full offer from Deakin University
    20-Nov-18 Tuition Fee Payment
    23-Nov-18 Received CoE from Deakin University
    27-Nov-18 Insurance Payment (Medibank)
    29-Nov-18 Medical at St Luke's BGC | Health Clearance Provided - No Actions Required
    12-Dec-18 Student Visa lodgement
    14-Dec-18 CO asked an additional de facto documents (Evidence of same home address)
    19-Dec-18 Uploaded all documents to immi portal (Waiting time!!!)
    02-Jan-19 Visa Grant!
    Jun 2019 IT Grad Cert completed at Deakin Uni
    Aug 2019 First Day in Uni Adelaide

  • jakibantilesjakibantiles Sydney
    Posts: 315Member
    Joined: Jan 14, 2019

    @hikari said:

    @jakibantiles said:

    @maguero said:
    @jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

    Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

    Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

    Oo nga daw po. Ang saya kung ganon 😆

    ANZSCO 233512 | Mechanical Engineer | Age: 30, Education: 15, Work Experience: 10, PTE: 20, Spouse: 10, CCL: 5 | State Nom: 5 (NSW)

    Lodged Visa 482 | 17 Mar 2020 | Granted 24 Sep 2020 while Offshore
    Travel Exemption | DOA: 08 Oct 2020 | Approved: 12 Oct 2020

    Lodged EOI: Visa 190/95pts NSW
    DOE: 23 Dec 2020
    Pre-Invite: 10 June 2021
    ITA: 18 June 2021
    Visa Lodge: 05 Aug 2021
    Medical: 31 Jan 2022
    Visa Grant: 20 Apr 2022

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