Private health insurance in Australia

Megger

@engr_boy said:

@Megger said:

@engr_boy said:
I have been on HCF eversince. Ok naman coverage. I mostly get it for the dental and ambulance (just in case). I'm also fond of going to the dentist and a couple of root canals and unti unti ko nang pinapapalitan yung worn out fillings ko plus the bi-annual free cleaning at HCF's own dental clinic. doon pa lang bawi bawi na ako sa monthly payments ko. plus may pre-existing heart and kidney condition ako so no need to be on a public waiting list if I need any procedures. it really depends what your priorities are kung sulit sya for you or hinde.

hi @engr_boy pwed ba malaman anong HCF cover ang kinuha mo? Just for reference. Salamat.
Hospital cover
Mid Hosp Silvp 500
Extras cover
Hcf Vital Extras
mga 169.40 aud din monthly (single person coverage). madami kasi akong iniinda sa katawan and madalas magpadental kaya medyo comprehensive ang yung cover ko. better safe than sorry.

paano kung ayaw mo na muna and you have enrolled already..

geneaux

@DreamerA said:

Hi @DreamerA , I also received a letter about private health insurance. We're still on the process selecting if anu yung okay na kunin. Based on my understanding sa letter, Hospital Cover lang yung need na kunin. Medyo expensive din kase yung insurance lalo na sa mga nagsisimula pa lang. Indicated din sa letter is may 12mos para kumuha ng insurance once you registered sa Medicare. I noticed lang na advance yung padala nila ng letter about getting an insurance.
@geneaux ano po knuha nyo? ska magkano monthly. hndi ko padin x masydo maintndihan pro prang gusto ko kumuha in case of emergency at dko dn alam kung ano ako inclusions. slamat

Hi @DreamerA , hindi pa din kami nakakuha ng hospital cover. This August na lang siguro kami kukuha. kunin na lang muna siguro namin yung cheapest. Kunin dapat namin yung sa AHM na may free 6 weeks, kaya lang hindi pala siya applicable if hospital cover lang yung kukunin, dapat yung package yung kukunin.

engr_boy

@Megger said:

@engr_boy said:

@Megger said:

@engr_boy said:
I have been on HCF eversince. Ok naman coverage. I mostly get it for the dental and ambulance (just in case). I'm also fond of going to the dentist and a couple of root canals and unti unti ko nang pinapapalitan yung worn out fillings ko plus the bi-annual free cleaning at HCF's own dental clinic. doon pa lang bawi bawi na ako sa monthly payments ko. plus may pre-existing heart and kidney condition ako so no need to be on a public waiting list if I need any procedures. it really depends what your priorities are kung sulit sya for you or hinde.

hi @engr_boy pwed ba malaman anong HCF cover ang kinuha mo? Just for reference. Salamat.

Hospital cover
Mid Hosp Silvp 500
Extras cover
Hcf Vital Extras

mga 169.40 aud din monthly (single person coverage). madami kasi akong iniinda sa katawan and madalas magpadental kaya medyo comprehensive ang yung cover ko. better safe than sorry.
paano kung ayaw mo na muna and you have enrolled already..

https://www.hcf.com.au/faqs/faqs-membership

Jana

Hello guys, confirm ko lang po na kapag CS covered this siya ng medicare? Malapit na po and fue ko and seems like CS ata ako.

Captain_A

@Jana said:
Hello guys, confirm ko lang po na kapag CS covered this siya ng medicare? Malapit na po and fue ko and seems like CS ata ako.

yes, pero expect midwife will try normal delivery, when it is safe to do so, for faster recovery mo,

Jana

@Captain_A said:

@Jana said:
Hello guys, confirm ko lang po na kapag CS covered this siya ng medicare? Malapit na po and fue ko and seems like CS ata ako.
yes, pero expect midwife will try normal delivery, when it is safe to do so, for faster recovery mo,

Thank you Sir for your reply.

I have low lying placenta kaya baka ma-CS ako, but praying harder that it will move up before my due date. PHI kasi namin is without pregnancy eh.. kaya we are purely relying sa medicare.

Captain_A

@Jana said:

yes, pero expect midwife will try normal delivery, when it is safe to do so, for faster recovery mo,
Thank you Sir for your reply.
I have low lying placenta kaya baka ma-CS ako, but praying harder that it will move up before my due date. PHI kasi namin is without pregnancy eh.. kaya we are purely relying sa medicare.

have a safe delivery.. parking lang ang binayaran namin noon.. kapag weekly na appointment mo s hospital or gp, you may confirm with them as well

engineer20

@Jana said:

@Captain_A said:

@Jana said:
Hello guys, confirm ko lang po na kapag CS covered this siya ng medicare? Malapit na po and fue ko and seems like CS ata ako.

yes, pero expect midwife will try normal delivery, when it is safe to do so, for faster recovery mo,
Thank you Sir for your reply.
I have low lying placenta kaya baka ma-CS ako, but praying harder that it will move up before my due date. PHI kasi namin is without pregnancy eh.. kaya we are purely relying sa medicare.

@Jana sa last scan mo maconfirm kung normal or CS ka. covered din naman ng medicare ang CS hindi ka nga lang makakapili ng room at malamang discharge ka nila agad pag ok na kayo ni baby.

Captain_A

@engineer20 said:

@Jana said:

@Captain_A said:

@Jana said:
Hello guys, confirm ko lang po na kapag CS covered this siya ng medicare? Malapit na po and fue ko and seems like CS ata ako.

yes, pero expect midwife will try normal delivery, when it is safe to do so, for faster recovery mo,

Thank you Sir for your reply.

I have low lying placenta kaya baka ma-CS ako, but praying harder that it will move up before my due date. PHI kasi namin is without pregnancy eh.. kaya we are purely relying sa medicare.
@Jana sa last scan mo maconfirm kung normal or CS ka. covered din naman ng medicare ang CS hindi ka nga lang makakapili ng room at malamang discharge ka nila agad pag ok na kayo ni baby.

may parating na ba na bagong bunso sir Dal?

baiken

just would like to share my experience, currently with health.com.au as a coverage on my TSS 482 Visa...

nagpunta po kami ng Emergency recently to have our son checked, he kept on crying one day and found out that he had pharyngitis (tama ba spell ko haha), this was on a Sunday din pala, so walang bukas na mga clinics or GP's to consult... after almost 3 hours being in the hospital, we got out and was advised na dahil first time namin to use our health insurance, yung hospital na bahala mag-arrange in contacting them...

after one month, low and behold! meron akong nakuhang outstanding bill sa mail coming from the hospital, di daw nagbayad yung health insurer namin... pag-chat ko sa kanila (walang call centre ngayon kasi daw pandemic) di daw nila covered yung "emergency" na nangyari sa anak namin, dahil daw "budget" lang yung current cover namin with them, was asked to fork out as much as $500 for the emergency hospital drama...

highly suggested to get a much more comprehensive health insurance company, and please do read the fine prints, ayun na nga, pagkabasa namin ng fine print, hindi kasama ang emergency outpatient, dapat e inpatient ka, dapat pala nagpa-confine kame para sagot nila 🙂 how sad lolz

nakakainis, pero we have learned something from that, need na magpa-PR ASAP! 🙂

sorry for the rant.... haba na pala haha 🙂

all the best po and God Bless!

Jana

@Captain_A and @engineer20 thank you sir sa reply.. big help po.

@baiken, thanks for sharing this info.

engineer20

@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

Captain_A

@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

jakibantiles

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

lapak18

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

jsp

@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...

lapak18

@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?

jsp

@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...

lapak18

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

jakibantiles

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.

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