Private health insurance in Australia

LokiJr

^ May tax deduction po ba sa ganyang gastusin? Ang alam ko kasi may baby bonus but besides that, may puwede pa ba iclaim para mabawasan yung gastos?

icebreaker1928

Sir may question lang ako sa inyo. I just found out that I am pregnant and we are bound for Adelaide on November. Question ko lang po kung how much would it cost for a public hospital para magchild birth? Or would you suggest na mas okay ang private hospital for child birth? My insurance company will not cover my pregnancy kasi may waiting period sila na 12 months.

kaw ba yung student? kung student ka hindi ka rin "ata" pede sa public hospital kasi wala ka medicare...
Kung dito ka manganganak, gastos mo lahat...so it would be better na uwi ka ng Pinas para mas mura.
correct me if I'm wrong though

li_i_ren

@LokiJr we just inquired about the baby bonus for my sister.. she's a PR and husband is australian..but kasi my ate is a new PR hindi pa kasi nag 1 year.. so di daw sya eligible but they can claim for other benefits for childcare hindi lang daw ung baby bonus.

if they went public.. free naman sila under medicare. if they go private, they really need to pay for it from their own pockets. kasi choice po to go private.. no one is forcing you to do it. sa private kasi you can stay longer.. 1 week ata whereas sa public after a couple of days, you will be sent home na if you and baby is healthy naman.

i was reading about the student visa.. it is very vague ano po entitlement if you are on a student visa. also i read na if you are the student and will be unable to attend school kasi you have given birth you can ask for an extension of your student visa..BUT also there's also a chance you will be sent home.

you can go public..it would not be free kasi like ice said, you don't have medicare and it's just like you are a tourist here.. so in a sense, you are not a tax payer and should not be legible for benefits that tax payers do BUT saying that..you can still give birth in a public hospital, you just need to pay for it.

it is cheaper than private..way cheaper po.

you also need to pay for your GP, all your scans and midwife check ups.

ultrasound if i remember correctly is about 200-300 aud per scan.

if you decide to give birth here.. then mag baon po ng malaki.

also of note, filipino po yung citizenship ng anak nyo when you give birth here..you have to apply for oz citizenship for baby, apply din also for dual citizenship kasi the initial passport for baby will be a filipino passport. in oz, citizenship of the mother will take precedence kaysa citizenship of the land.

johnandjosh

@li_i_ren very informative itong last post mo. I'm sure maraming natuto dito...Keep on posting pls!

hotshot

@li_i_ren : yung sa citizenship, you're talking about student visa holders? ganun din ba ang case kung PR ang parents?

li_i_ren

@hotshot yup meron nag post about that who just gave birth (work visa ata sila or PR basta sure ako di sya student).. check mu sa older posts. she just gave birth this month ata and she explained about her baby's citizenship status etc.

she also posted links on how to apply for baby's oz passport etc. mas detailed ung post nya:D

hotshot

@hotshot yup meron nag post about that who just gave birth (work visa ata sila or PR basta sure ako di sya student).. check mu sa older posts. she just gave birth this month ata and she explained about her baby's citizenship status etc.

she also posted links on how to apply for baby's oz passport etc. mas detailed ung post nya:D

yup kakabasa ko lang din sa kabilang thread. australian daw ang baby. hehe

icebreaker1928

penge naman ng link ng thread na yan

li_i_ren

bellecaye_18 October 25 Reply QuoteFlagLike
Posts: 6
@psychoboy: Baby is a natural-born citizen of the Phils and we need to apply with the Phil Consulate in AU for him to get a dual citizenship status.

For more info, you can refer to this link -- http://www.philippineconsulate.com.au/dual-citizenship/introduction-note.html


yup in a sense, australian agad si baby...apply lang ng passport pero filipino pa din:D so first point of inquiry mu is still the Philippine Consulate and not the Australian Embassy. and afterwards, you can start processing for baby's australian citizenship.

hotshot

penge naman ng link ng thread na yan

here it is: http://pinoyau.info/discussion/839/cost-of-giving-birth

li_i_ren

http://www.dfat.gov.au/publications/passports/Policy/Citizenship/BorninAustralia/CitizenshipbybirthinAustralia/index.htm

Evidence of parent’s citizenship or permanent residency

Evidence of citizenship of a parent includes:

Australian passport issued to a parent born in Australia before 20 August 1986, with at least 2 years validity, on or after 20 August 1986 and valid at the time of the applicant’s birth; or

full Australian birth certificate for a parent born in Australia before 20 August 1986; or

Australian citizenship certificate for a parent issued prior to the birth of the applicant.

one of the applicant’s parents was born in Australia on or after 20 August 1986 and neither parent has held an Australian passport issued with at least 2 years validity on or after 1 January 2000, the applicant will need to be referred to DIAC for evidence of citizenship.
If neither parent was an Australian citizen at the time of the applicant’s birth, evidence of permanent residence status for either parent may be confirmed by a permanent entry permit in their foreign passport valid at the time of the applicant’s birth. See ‘ Permanent resident ’ or evidence from DIAC.

If neither parent was born in Australia, had not acquired Australian citizenship or was not a Permanent Resident at the time of the applicant’s birth and the applicant believes they were ordinarily resident* in Australia for the first 10 years of their life, the applicant will need to be referred to DIAC for evidence of citizenship.

In cases where the applicant is unable to provide supporting documentation to confirm their Australian citizenship, refer the applicant to DIAC.

*the term ordinarily resident is used in s12(1)(b) of the Australian Citizenship Act 2007 in relation to a child becoming an Australian citizen on their 10th birthday. This provision applies to children born in Australia on or after 20 August 1986 who did not have a parent who was an Australian citizen or permanent resident at the time of their birth.

li_i_ren

for students/ tourist.. who give birth in oz, yung baby will take the mother's citizenship automatically unless hubby is australian/ PR.

Acquiring citizenship automatically
Generally, you become an Australian citizen automatically if you are born in Australia and one or both of your parents are Australian citizens or permanent residents when you are born.
There are some other, less common, ways of automatically becoming a citizen.
Division 1 of Part 2 has details about acquiring citizenship automatically.
Also, if you were a citizen under the old Act immediately before the day that this section commences, you will continue to be a citizen: see subsection 4(1).
Acquiring citizenship by application
The other way to become an Australian citizen is to apply to the Minister. This is covered by Division 2 of Part 2. There are 4 situations in which you can apply for citizenship.
The first is citizenship by descent. Generally, you would apply for this if you were born outside Australia and one or both of your parents were Australian citizens when you were born. Citizenship by descent is covered by Subdivision A.
The second is citizenship for persons adopted in accordance with the Hague Convention on Intercountry Adoption: see Subdivision AA.
The third is citizenship by conferral. Generally, you would need to be a permanent resident and willing to make a pledge of commitment to apply for citizenship by conferral. You may need to successfully complete a citizenship test. There are some less common circumstances in which you can apply for citizenship by conferral. Citizenship by conferral is covered by Subdivision B.
The fourth is resuming citizenship. In certain cases where you previously ceased to be an Australian citizen, you can apply for your citizenship to resume. Resuming citizenship is covered by Subdivision C.
The Minister must be satisfied of your identity for you to acquire citizenship by application. Rules about identification are in Division 5 of Part 2.
The Minister may be required to refuse your application on national security grounds.

LokiJr

Hehe very technical posts there @li_i_ren, dami ako natututunan.

I guess if you have a baby in Australia, you can always apply for citizenship later on...mahal pa naman natin ang pagiging Filipino natin hehe

li_i_ren

@LokiJr copy/ paste lang yan:P hahahahah!!!

kasi sometimes i feel di tama pagka sulat ko different ang meaning but i can't express it properly.. hirap mag tagalog:D ..hehehe..pasensya;D

lock_code2004

we received a letter from Dept of Health and Ageing...
lol akala ko may pension na agad ako.. hahah
recommendation/reminder kumuha ng private health insurance bago mag-30 yrs old..
not mandatory though... but here is the explanation...

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http://www.health.gov.au/internet/main/publishing.nsf/Content/health-phi-fact27.htm

Lifetime Health Cover (LHC) today

Lifetime Health Cover (LHC) was introduced in July 2000 and involves a financial loading for people aged over 30 who do not hold private health insurance hospital cover and then take it out.

For each year after the 1July following a person's 31st birthday, a 2% loading (cumulative) is added to the cost of the private health insurance premium up to a maximum of 70%. Those born before 1 July 1934 are exempt from the penalty.

Health insurers are required to charge different premiums based on the age of each particular member depending on when they first took out private health insurance.

Currently, health insurers charge the financial loadings on top of premiums paid by people who did not have private hospital cover while they were younger or did not join before 1 July 2000.

The loadings have meant that a person who delays joining until the age of 40 has had to pay 20% more than someone who joined at the age of 30.

icebreaker1928

@lock_code2004 nakareceive din ako nito... takot tuloy ako... parang kelangan ko kumuha... pero kulang pa sa budget huhuhu...

lock_code2004

@icebreaker1928 - oo nga especially nandyan family mo..
meron nmn yata mura depende sa coverage..

TasBurrfoot

@icebreaker1928 and @lock_code2004; we got this as well several weeks back...

As of the moment wala pa rin talaga budget buti nalang we have until July 2014 to get this before the penalty starts kicking in.

lock_code2004

ewan ko ba bkit ako pinadalhan nito.. eh 22 pa lang naman ako..
X_X

icebreaker1928

ewan ko ba bkit ako pinadalhan nito.. eh 22 pa lang naman ako..
X_X

hahaha... nde nga? 22 ka pa lang? o 22 ka 10 yrs ago? hehehe joke lang

lock_code2004

Haha.. Pagka graduate nagpa skills assessment agad kht wlang work exp..

Not!!

li_i_ren

On private insurance, na claim namin 100% gp cost and lab tests ni hubby worth mga 300 plus. We thought na 30-40% lng ibabalik but na balik 100% so worth it yung insurance and requirement naman ng 457 visa namin.

Sulit din kasi hubby needs regular check up for his diabetes..

Sa bupa kami but according to my friend mas mahal na ngayon bupa kaysa medibank..pero i have gotten used to the forms of bupa na. And this sept. if ever eligible na din for maternity coverage... So dito muna na lng kami : p

Nadine

Bupa din ako @li_i_ren. So far, ok siya kasi dalawang beses na ako nakapagpa check up eh. And walang problema in terms of refunds.

Kaya lang, may mga GP na may gap? Hindi ko lang din maintindihan ano ibig sabihin ng gap?

li_i_ren

Bupa din ako @li_i_ren. So far, ok siya kasi dalawang beses na ako nakapagpa check up eh. And walang problema in terms of refunds.

Kaya lang, may mga GP na may gap? Hindi ko lang din maintindihan ano ibig sabihin ng gap?

Hehehe i dont know din:) basta happy lng na refunded;) hehehe!

TasBurrfoot

Bupa din ako @li_i_ren. So far, ok siya kasi dalawang beses na ako nakapagpa check up eh. And walang problema in terms of refunds.

Kaya lang, may mga GP na may gap? Hindi ko lang din maintindihan ano ibig sabihin ng gap?

Hehehe i dont know din:) basta happy lng na refunded;) hehehe!

Gap ata pertains to your out of pocket cost... Hindi ito refundable.

RodGanteJr

My health insurance cover is from IMAN. There policy for 457 applicants is the cheapest and comprehensive so I chose them from other health insurance providers. Customer service is okay too. They have notifications too via email so I am always informed.

Nadine

I'm going to look into this din. Kasi, sabi nila, may mga no-gap cover eh. I assume, walang out-of-pocket payment?

Pero baka mas mahal ang monthly nito. Magtatanong-tanong ako.

@RodGanteJr: IMAN health with NIB din ang entry health insurance ko. Pero nung dumating na ako Oz, I saw na mas cost-effective ang Bupa. Kaya nag-shift ako. I compared health insurance talaga and sat down with their agents. Iba syempre yung face-to-face kasi nakakapagtanong ka. But ok na yan for now. You can always shift anytime depending on your needs. At hindi mapuputol yung coverage mo kahit mag-change over ka to another health insurance.

li_i_ren

http://www.pinoyau.info/discussion/794/private-health-insurance-in-australia#Item_57 .. Thoroughly discussed here.

TasBurrfoot

We just got ourselves covered yesterday; Medibank offered us a 6 wks free coverage plus instance waive for 2 and 6 months waiting period.

As we are planning a family in the next yr or so, we included coverage for pregnancy kay misis. It will come out a bit expensive but eventually it will pay for itself when we will have the bub in due time - private delivery is expensive kasi dito sa VIC (and the rest of Australia in general)...

meehmooh

@TasBurrfoot ... roughly po how much per week including na yunplan pregnancy ni Mrs?