Private health insurance in Australia

kremitz

Ok thanks @jcsantos. Bale if more than 31 yrs old kana nung pagdating ng oz pwede padin na dika magbayad nung 2% if less than one year ka pa lang immigrant nung kumuha ka ng private insurance?

JCsantos

<blockquote rel="kremitz">Ok thanks @jcsantos. Bale if more than 31 yrs old kana nung pagdating ng oz pwede padin na dika magbayad nung 2% if less than one year ka pa lang immigrant nung kumuha ka ng private insurance?</blockquote>

Yes

kookie420

@jcsantos

yes, i did try a few computations. if your income is just a little over 150k, parang break even ka lng sa medicare levy vs the average private ins premiums. the thing is, even if my private ins ka, its possible na may cash out ka pa rin, depending on your plan and the condition that you are claiming for.

if less than 150k, parang mas ok mag stay sa medicare, as long as you're fine na wla kang ambulance, physio, etc na benefit.

as for the loading thing, its only applicable for 10 years after you get private ins, not for the rest of yoru life. thats how i remember it from some govt website. so its not as big as you think.

anyway, all i can share based on my research is if household income mo malayo sa 150k, private ins doesnt really make sense. if malapit, it sort of evens out. if way over 150k ka, then private is the way to go.

Saken

I would say advantageous ang may private health insurance (PHI) para sa dental at optical cases. Di kasi fully covered ang mga ito ng Medicare.

Meron public dental clinics pero pila bago makakuha ng service. Since recommended na every 6 mos ang dental checkup, sulit na rin ang PHI lalo na for a family of at least 3.

Still analysing kung paano pa maoptimise ang PHI para sa amin pero ito yung dalawang (optical/dental) sulit sa amin.

Amelie

Any experience with GMHBA? My husband's superannuation is Hesta, and there's a discount daw if we go GMHBA, 7%, for private health.

mhej

Do private health insurance companies cover routine check ups to the doctors for minor illnesses such as stomach aches, fever, etc.? I've been looking online for health care providers but can't tell for sure if these are covered.

JCsantos

<blockquote rel="mhej">Do private health insurance companies cover routine check ups to the doctors for minor illnesses such as stomach aches, fever, etc.? I've been looking online for health care providers but can't tell for sure if these are covered.</blockquote>

This should be covered by medicare if you are a PR , pero sa non-PR im guessing its covered

mhej

Going back to this topic, I'm wondering if anyone here knows if Medicare or what PHI covers routine annual physical check ups? My partner and I would like to continue to undergo annual physical checkup especially with an ob-gyne just to make sure our lady parts are healthy. Or just in general, when it comes to preventive physical maintenance, so to speak. Hindi kasi clear (or maybe I just don't know that that is already what's being referred to) about the Extras stuff or if this kind of medical activity is covered by the Hospital part of PHI.

TasBurrfoot

<blockquote rel="mhej">Going back to this topic, I'm wondering if anyone here knows if Medicare or what PHI covers routine annual physical check ups? My partner and I would like to continue to undergo annual physical checkup especially with an ob-gyne just to make sure our lady parts are healthy. Or just in general, when it comes to preventive physical maintenance, so to speak. Hindi kasi clear (or maybe I just don't know that that is already what's being referred to) about the Extras stuff or if this kind of medical activity is covered by the Hospital part of PHI.</blockquote>

I don't think included ang mga annual check-ups eh...

Are you referring to Medicare or Medibank?

mhej

<blockquote rel="TasBurrfoot"><blockquote rel="mhej">Going back to this topic, I'm wondering if anyone here knows if Medicare or what PHI covers routine annual physical check ups? My partner and I would like to continue to undergo annual physical checkup especially with an ob-gyne just to make sure our lady parts are healthy. Or just in general, when it comes to preventive physical maintenance, so to speak. Hindi kasi clear (or maybe I just don't know that that is already what's being referred to) about the Extras stuff or if this kind of medical activity is covered by the Hospital part of PHI.</blockquote>

I don't think included ang mga annual check-ups eh...

Are you referring to Medicare or Medibank?</blockquote>

either po. so kahit anong Private Insurance, they don't provide that?? 🙁

So basically, you can't prevent sickness, just treat it when it happens? sayang naman. kasi sa PH naman, routine check ups are covered even by the stingiest health care providers..

TasBurrfoot

<blockquote rel="mhej"><blockquote rel="TasBurrfoot"><blockquote rel="mhej">Going back to this topic, I'm wondering if anyone here knows if Medicare or what PHI covers routine annual physical check ups? My partner and I would like to continue to undergo annual physical checkup especially with an ob-gyne just to make sure our lady parts are healthy. Or just in general, when it comes to preventive physical maintenance, so to speak. Hindi kasi clear (or maybe I just don't know that that is already what's being referred to) about the Extras stuff or if this kind of medical activity is covered by the Hospital part of PHI.</blockquote>

I don't think included ang mga annual check-ups eh...

Are you referring to Medicare or Medibank?</blockquote>

either po. so kahit anong Private Insurance, they don't provide that?? 🙁

So basically, you can't prevent sickness, just treat it when it happens? sayang naman. kasi sa PH naman, routine check ups are covered even by the stingiest health care providers..

</blockquote>

i don't think so... check with your provider or read the PDS, ikaw lang makakaalam ng content ng health insurance mo.

kung may mararamdaman ka na masama, doctor kaagad...

kremitz

Whats the pros and cons of getting a private health insurance?gano ba kalaki yung 2% na health loading na babayaran pag dika kumuha ng private insurance before turning 31?

atchino

Hindi cover ng Medicare ang OB. OB is considered specialist.

Pero hindi ka pwedeng dumiretso sa Specialist ng walang recommendation ng GP.

Kailangan mo palagi mag daan sa GP. GP mag detremine kung kailangan mo mag consult sa specialist.

Hindi rin lahat ng private health insurance covered ang OB/pregnancy. Kung balak mo mag buntis, make sure ng ma meet mo ung number of months para maging eligible. Better kuha ka ng kasama na OB/pregnancy 1 yr bago mo balak mag buntis.

OB/pregnancy fee sa doctor lang is around 2500-7000 aud kahit may private health insurance ka pero hindi covered ang pregnancy.

May ibang private health na nag cover ng OB/pregnancy depende sa kukunin mo level.

Pwede mo request sa GP ang general checkup.

usually blood test lang. Hindi lahat ng pathology nag bulk bill.
may narinig ako yng iba general checkup na may kasamang check kung heart kung siguro may history ka ng problem sa heart or lungs isasama nila sa general checkup.

atchino

<blockquote rel="kremitz">Whats the pros and cons of getting a private health insurance?gano ba kalaki yung 2% na health loading na babayaran pag dika kumuha ng private insurance before turning 31?</blockquote>

Kung regular ka nag papa dentist / optical pwede mo mabawi yung ibang binayad mo

Sample dental expenses:

http://yzzymae.blogspot.com.au/2014/08/dental-fee-examples-in-australia.html

http://yzzymae.blogspot.com.au/2009/12/cost-of-dental-cleaning-in-sydney.html

http://yzzymae.blogspot.com.au/2009/08/dental-expenses-in-australia.html

http://yzzymae.blogspot.com.au/search?q=dental

optical check up - covered ng medicare
eyeglass nasa 150+ depende kung may anti glare / anti scratch at kung ano anong pang anti....
around 100+ frame depende sa brand

Depende pa rin sa health cover mo kung may extra coverd ng dental at optical at kung ilan percent ang covered.

Dental cleaning pa lang pwede ka na abutin ng $200 per visit.

kung 3 kayo sa family around 600+ na siguro yun per visit sa dentist / cleaning
initial visit mo sa dentist... rerequest ka na mag xray para makita condisyon ng ngipin mo.

Kung kailangan nyo prescription eyeglasses mag asawa, aroound $250 per prescription eyeglass eh di nasa 500 na kayong dalawa.

Kung gusto mo sa public dentist pwede rin naman kaya lang mahaba daw ang pila or pa schedule. Kung masakit ngipin mo - kaya mo ba intayin or tiisin.

Kaya malkas ang kita ng optometrist at dentist dito... covered kasi ng mga healthfund.

At par ama maximize yung health fund kailangan mo pumunta sa kanila at gamitin yearly.

Minsan kasama rin sa extra cover ng private health insurance yung massage (remedial) or accupuncture

Meron din hospital cover. Mapakinabangan mo lang naman yung hospital cover kung mag private hospital.

Another important cguro is yung ambulance.

Di mo massabi kung kailan mo kailangan or kailan may emergency.

Fees: http://www.ambulance.nsw.gov.au/Accounts--Fees/Frequently-Asked-Questions.html

TTam

@atchino hi question po, Let say ang status is PR, usually po ba hindi part ng employment benefits yung insurance - like health, dental, life, etc? Or kahit papano po ba may percentage/coverage na binibigay ang employers? Or hindi po ito required bilang benefits sa mga companies in AU? Thank you po in advance!

lock_code2004

<blockquote rel="TTam">@atchino hi question po, Let say ang status is PR, usually po ba hindi part ng employment benefits yung insurance - like health, dental, life, etc? Or kahit papano po ba may percentage/coverage na binibigay ang employers? Or hindi po ito required bilang benefits sa mga companies in AU? Thank you po in advance!</blockquote>

it really depends on the company.. may mga company na may benefit na private health insurance... meron naman na wala..

hindi required ang private health insurance, dahil for PRs meron naman public health (Medicare)...

TTam

@lock_code2004 Thank you for the prompt response! 🙂 laking tulong din po kasi pag may sagot si company, hehe! Salamat po ulit!

TasBurrfoot

mate, sad to say private health insurance as a benefit from companies are rare here in Australia.

atchino

Hindi mandatory na mag provide ng private health insurance ang mga company.

May ilan lang nag provide ng private health at iba ibang ang condition:

Some provide FULL cover of private health insurance tied up with the company.

Speciic na private health na tied up sa company.

Some provide subsidy for the private health insurance cost

May specific na private health yung company na pinili para sa lahatng employee pero hidi nila sagot lahat ng cost. Kailangan mo mag dagdag ng sarili mong contribution.

Some will give you the money and it is up to select your own private health insurance.

ibang company bibigyan kang fixed amount like eample eto 2k AUD... ikaw na mag hanap ng gusto mong private health kung mas mura man or mas mahal ang bayad ikaw na bahala.

cholle

Looking into taking private health cover fairly soon.

Was just wondering what your experiences are with HCF / Medibank / Bupa. I'd like to hear from people who have actually made claims for various medical treatments or check-ups or basically anything (was customer service good, how much was covered, any out-of-pocket payments, etc?) and whether you would recommend them.

Also, for those working in the health care industry, baka you have more stories to share about your patients' experience with these insurers.

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