@bibbonacci
You're welcome po. I am glad to be of help.
About po sa health insurance cover, kasi po one of the requirements po eto so you have to provide a certificate or evidence na meron kana po. It could be from an AU insurance provider or from insurance provider in other countries (e.g. Pinas). Pwede po na kumuha ka ng health insurance cover from an insurance company in Pinas provided that na-meet ung health insurance requirements ng DIAC (Australian Immigration). I was advised that I should get from an insurance provider in AU to ensure that the insurance policy meets the DIAC requirements. Dito po ako kumuha ng health insurance cover http://www.austhealth.com/
Marami po mga requirements. Naka-list po lahat dun sa website na binigay ko po. Meron din po checklist ng mga requirements in PDF format.
About sa IELTS, meron certain exemptions. Andun din po eto sa website na binigay ko. Pki-read through nalang po and if ever you have further enquiries po, post ka lang po dito ๐
God bless