Private health insurance in Australia

se29m

Nagwork ako for health isurance and if may question, let me know.. make sure na makakuha max benefits with the right insurance premiums 🙂

prayhopejoy

Hi All. Kakarating lang po namin dito sa Australia, and now wanting to check health insurance kasi 489 visa namin. Ano po ang best? Nabasa ko sa thread from @japsdotcom na top 3 is Allianz, Medibank, and Bupa. May I ask po yung specific packages na napili ninyo from your insurance providers? Thank you.

se29m

Pwede ka mag compare using this https://www.privatehealth.gov.au/dynamic/search naka 189 ako pero to avoid LHC saka MLS may hospital plus extras cover ako at the moment..

hospital is being admitted as a private patient either sa public or pirvate hospital

extras - for my dental, optical and other items like physio chiro etc

pink

@se29m sir 190 kami pero gusto ko sana kumuha ng extras cover. ano po marecommend nyo? nabasa ko rin poi na may hospital cover kayo kahit 189.. Ano po ibig sabihin nyo with your statement na "to avoid LHC and MLS?"

thanks in advance po!

se29m

@pink lhc is lifetime health cover loading.. financial penalty na might be added to your private health premiums if you decide to get private health insurance in the future

Mls is Medicare levy surcharge for high income earners.. on top pa to sa regular Medicare levy na binabayaran natin..

Recommended extras cover: family saver options for budget friendly cover www.hif.com.au

pink

@se29m thanks po! mabilis po ba magclaim sa hif?

archdreamchaser

Ano po kaya recommended Health Insurance for 489, Single? If ever BUPA may 3 options for Just the Basics, (Active saver, young single saver, young singles choice). Any suggestion please? thanks🙂

archdreamchaser

@se29m Ano po mairerecommend mo na Health Insurance? Thanks

batman

@archdreamchaser im on 489 nag bupa ako. I just learn na pag refundable from medicare yung transaction like eye check up. Di nila i rerefund. The problem is hindi tayo cover ng medicare kaya di din natin ma refund. Tpos during application di nila sinasabi yun. I feel like basta lang maka kuha sila ng client lahat ng good info lang babanggitin nila tapos ma discover mo na lng sa actual mga di nila cover since di din tayo familiar sa cover ng medicare. Im thinking to change my insurance, monthly nman sya not annual contract.

archdreamchaser

@batman kelangan pala talaga icheck un coverage ng insurance before kumuha.

if ever magchange ka ano option mo? magkano yun monthly charge ng current insurance mo? ang dami kasi option ranging from $85.95- $136.50 monthly pinakamahal na insurance $214.

Next month ang BM ko, iniisip ko kumuha na online kung pwede, para TFN nalang yun iprocess ko and focus na sa job hunting.

Thank You🙂

yani1127

Hello, meron po bang may alam dito if I can apply for medicare levy exemption if I'm only a resident part of the financial year? Thank u!

agentKams

@yani1127 yes you can. medicare can check naman dun sa claims mo sa application.

ElsBeth

What do you recommend po for a couple insurance? HCF seems to have good reviews for their hospital + clinics na coverage. Mas mura din sila than bupa.

cibomatto

Hi! I just arrived in Adelaide. Very informative posts! May tanong lang ako. Is it imperative that I get private health insurance right away? I mean, I know it's helpful to have that for peace of mind also but I'm trying to conserve my savings until I get a job here. Right now I'm just doing research on which health insurance I'll go with. I've already registered at Medicare yesterday. Thanks in advance! 🙂

Captain_A

@cibomatto in my opinion considering that you want to save money for the meantime,

if youre single (or even a family) and everyone is relatively healthy , then it is not imperative.

but if some members have health issues and medicare does not cover those, then insurance is really helpful.

cibomatto

Thanks @Captain_A ! I'm on maintenance meds for hypertension.. I still have 3 months' worth of meds with me. So I guess I could put it off for now since wala pa ako stable job here. Thanks again! 🙂

Captain_A

@cibomatto i think covered yan ng medicare, all the best to you

cibomatto

I'll also verify with them when I need to consult again to get more meds. Thanks, @Captain_A ! 🙂

hannakems

Hello, we are on visa 489 (SA) ng husband ko. Since we are planning to start a family too, what would be the best insurance provider that you would recommend? Your thoughts and opinions are highly appreciated.

Captain_A

@hannakems said:
Hello, we are on visa 489 (SA) ng husband ko. Since we are planning to start a family too, what would be the best insurance provider that you would recommend? Your thoughts and opinions are highly appreciated.

if you plan to have a baby, make sure to take note that it requires atleast 12 months waiting period to avail the services that the insurance will cover for your whole pregnancy period. also, take note that 489 is not yet PR visa so i think baby may need to get her own insurance for all check ups after delivery since baby is not yet au citizen.

i think having 489 visa after 2 yrs u will be eligible for PR visa, being PR parents will give more conveniences to future baby.

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