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Posts: 4,336Member
Joined: Feb 24, 2011
It is roughly $35/wk
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
Posts: 270Member
Joined: Jun 12, 2011
27 March 2013 - EOI Submission
02 April 2013 - SS Approval
09 April 2013 - Invitation to Lodge visa
1 May 2013 - CO allocated
13 May- Medical Submitted
28 May - Police clearance submitted
29 July 2013 ---- VISA GRANT
Trust in the Lord with all your heart, and do not lean on your own understanding. In all your ways acknowledge him, and he will make straight your paths.
Posts: 167Member
Joined: Apr 24, 2013
Please share your story. ;;)
And ano mga health insurance companies kayo bumili ng policy?
Posts: 19Member
Joined: May 10, 2013
www.lezgomelbourne.wordpress.com
Posts: 758Member
Joined: Apr 08, 2013
CPA Australia 040912 : NSW SS 030812 : EOI first lodged 081312 : 1st Invitation 083112 : Updated EOI 110812 : 2nd Invitation 032713 : Lodged App 040213 : CO 042213 : medicals: 050213...visa granted (thank YOU LORD!) 060513 ... IED to NSW 03XX14 ??
Posts: 993Member
Joined: Feb 15, 2012
Ang mahirap ata sa private, after a year, tataas din ang babayaran? Every year ba nagiincrease? Tapos hindi automatic na marrefund lahat, tama ba? Pdeng may mga out-of-the pocket (gap) expenses pa rin...
Hmm ang hirap magdecide! ung mga kilala ko kaseng matagal na dito sa Australia, naka-medicare sila, then nagprivate then bumalik ulit sa medicare.. hehehe
261313 (Software Engineer)
Feb.15.2012 - started working on ACS requirements
Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
Mar.05.2012 - ACS acknowledged actual documents
Mar.21.2012 - ACS finalised assessment: Suitable
Mar.31.2012 - IELTS exam with BC
Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
Apr.14.2012 - Lodged 175 Online Application
Apr.20.2012 - Completed Online Attachments
May.24.2012 - "Application being processed further"
May.29.2012 - CO Assigned :-)
Jun.07.2012 - Uploaded NBI Clearance
Jun.13.2012 - Medical/Health Requirements Finalised
Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
Jun.07.2013 - Initial Entry Date Deadline
Apr.28.2013 - Initial Entry (Sydney)
Jun.28.2013 - Verbal Job Offer (Melbourne)
Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
Aug.21.2013 - First day of Work in Sydney
"Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
Posts: 1,684Member
Joined: Jan 13, 2013
1. Advisable po ba na kumuha na agad nito pagdating na pagdating pa lang sa Australia?
2. May nabasa po ako sa link na ito.. Nakastate dyan na ang Medicare Tax Levy Surchareg ay 0% if ang sweldo ng individual ay $88,000 or below. Ang ibig sabihin po ba nito eh, kung ang sweldo mo annually ay below $88,000, okay lang na hindi na kumuha ng Private Health Insurance?
http://www.medibank.com.au/healthcover/benefits/medicare-levy-surcharge.aspx
The Medicare Levy Surcharge works like an additional tax and applies to Australian residents for taxation purposes who are high income earners and don't have an appropriate level of hospital cover.
Recently the Government introduced new legislation which changes the income thresholds and the amount added to your tax bill. The tables below outline the new income thresholds and the surcharge that will apply as of 1 July 2013.*
Singles
Income Medicare Levy Surcharge
$88,000 or less 0.0%
$88,001 - $102,000 1.0%
$102,001 - $136,000 1.25%
$136,001 or more 1.5%
9 January 2013 Received Favorable Response from EA
18 January 2013 Lodged EOI Application via SkillSelect
21 January 2013 Received Invitation to Apply for Visa Subclass 189
26 January 2013 Lodged Visa Application
18 March 2013 CO Allocated, Team 34 Brisbane
14 May 2013 Submitted Form 815
23 May 2013 Submitted updated Form 815 with new passport details
03 June 2013 VISA Grant! Thank you Jesus
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 1,684Member
Joined: Jan 13, 2013
Thanks @JCsantos, may I know po bakit di nyo inaadvise na kumuha agad ng Private Health Insurance ang mga bagong dating sa AU?
And when po ung advisable na kumuha na nito?
9 January 2013 Received Favorable Response from EA
18 January 2013 Lodged EOI Application via SkillSelect
21 January 2013 Received Invitation to Apply for Visa Subclass 189
26 January 2013 Lodged Visa Application
18 March 2013 CO Allocated, Team 34 Brisbane
14 May 2013 Submitted Form 815
23 May 2013 Submitted updated Form 815 with new passport details
03 June 2013 VISA Grant! Thank you Jesus
Posts: 5,037Member, De-activated
Joined: Feb 23, 2012
you have atleast 1 year (from your date of entry) to avail private insurance..
i think may nag post na ng explanation kung anung benefit nyan.
pag hindi ka kumuha, tataas ang price nya every year..
Sep 24, 2011 - IELTS (L-8 R-8 W-8 S-7.5 : OBS-8)
Jan 04, 2012 - EA application submitted | Feb 23, 2012 - EA assessment result (IE ANZSCO 233511)
May 8, 2012 - Lodged GSM 175 online application | June 4, 2012 - CO Allocated
June 22, 2012 - Medicals Finalized | Aug 30, 2012 - PCCs Completed (PH, UAE, USA)
Sep 3, 2012 - Visa Granted (IED Jun 11, 2013) Thank You Lord!
Oct 16-28, 2012 - Initial Entry Completed - Sydney
July 28, 2013 - Final move to Perth
Sep 9, 2013 - Started work with the same company i worked for in UAE/USA
Oct 28, 2013 - Moved to another company..
Posts: 544Member
Joined: Oct 02, 2012
May 2012 - Revalidated ACS Application (System Analyst)
9/1/2012 - Taken My 3rd IELTS Exam
9/14/2012 - Got IELTS results: L=8,R=8.5,W=7,S=7 .. :-) .. pag may tiyaga..may nilaga
9/15/2012 - Updated my EOI = 65 points (visa 190);60 (VISA 189)
10/10/2012 - Australia Federal Police Clearance Submitted Online
10/11/2012 - FBI Clearance Sent Through DHL
10/22/2012 - Received scan copy of AFP clearance from my friend in Melbourne
11/15/2012 - Received Invitation for 189 (about 2 months after 60 pts effectivity)
11/24/2012 - 189 VISA Lodged
11/29/2012 - DIAC Ack :-)
12/4/2012 - Received FBI clearance. Friend in US sent scanned copy
12/17/2012 - CO Assigned
04/17/2013 Visa 189 Granted.. Thank you Lord...
08/09/2013 - Flight to Sydney through PAL
08/10/2013 - Touchdown Sydney
08/12/2013 - Start of Job Hunt in Australia
08/26/2013 - First day of work... THANK YOU LORD...
07/16/2015 - Transferred to my second job/company
Pray, Hope AND Don't Worry - Padre Pio
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 101Member
Joined: Apr 19, 2013
i dont understand the benefit of getting private insurance. the only real reason i can think of is that non-essentials are covered and you can choose a doc. but considering the monthly premium you pay, it seems like a bum deal. can anybody comment on their experience?
Posts: 993Member
Joined: Feb 15, 2012
So siguro, try to compute if it's better to just stay on medicare and pay the levy and the surcharge and LHC then compare the cost if you get a private insurance. Either way, you would really need to spend on these things if you are not exempted from the levy etc... Ako nga rin, pinag-aaralan ko pa to. I think the government is encouraging people to get private insurance para hindi masyado malaki gastos nila sa medicare.hehehehe
For more information:
Medicare Levy & surcharge:
http://www.ato.gov.au/Individuals/Medicare-levy/
LHC: http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm
261313 (Software Engineer)
Feb.15.2012 - started working on ACS requirements
Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
Mar.05.2012 - ACS acknowledged actual documents
Mar.21.2012 - ACS finalised assessment: Suitable
Mar.31.2012 - IELTS exam with BC
Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
Apr.14.2012 - Lodged 175 Online Application
Apr.20.2012 - Completed Online Attachments
May.24.2012 - "Application being processed further"
May.29.2012 - CO Assigned :-)
Jun.07.2012 - Uploaded NBI Clearance
Jun.13.2012 - Medical/Health Requirements Finalised
Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
Jun.07.2013 - Initial Entry Date Deadline
Apr.28.2013 - Initial Entry (Sydney)
Jun.28.2013 - Verbal Job Offer (Melbourne)
Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
Aug.21.2013 - First day of Work in Sydney
"Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
Posts: 993Member
Joined: Feb 15, 2012
If you do not have hospital cover with an Australian registered health fund on the 1st of July following your 31st birthday and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your premium for every year you are aged over 30.
261313 (Software Engineer)
Feb.15.2012 - started working on ACS requirements
Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
Mar.05.2012 - ACS acknowledged actual documents
Mar.21.2012 - ACS finalised assessment: Suitable
Mar.31.2012 - IELTS exam with BC
Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
Apr.14.2012 - Lodged 175 Online Application
Apr.20.2012 - Completed Online Attachments
May.24.2012 - "Application being processed further"
May.29.2012 - CO Assigned :-)
Jun.07.2012 - Uploaded NBI Clearance
Jun.13.2012 - Medical/Health Requirements Finalised
Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
Jun.07.2013 - Initial Entry Date Deadline
Apr.28.2013 - Initial Entry (Sydney)
Jun.28.2013 - Verbal Job Offer (Melbourne)
Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
Aug.21.2013 - First day of Work in Sydney
"Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
before 31 years old or
A letter from medicare stating that you are less than a year Immigrant
Google for Everything !!!
Posts: 1,074Member
Joined: Apr 17, 2013
Occupation: Software Engineer (ANZSCO Code 261313)
Main applicant : Husband
April 29, 2013 : ACS Skills assessment
July 22, 2013 : ACS assessment result
January 3, 2014: IELTS Result (Take 1 L-8,W,R,S-7)
January 12, 2013: Lodged EOI (65points)
January 13, 2013: Invited to apply for visa 189
February 9, 2014: Lodged visa
March 1, 2014: Medicals at NHSI
March 6: email from CO requesting form 80 and hubby's NBI Clearance
March 25, 2014: visa grant. Thank you lord
June 8,2014: Hubby arrived in Sydney
Sept 11,2014: Hubby's first day of work. Thank you Lord!
Feb 7, 2015 : Baby and I arrived in Sydney
April 13, 2015: My first day of work
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 101Member
Joined: Apr 19, 2013
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.
Posts: 35Member
Joined: Jul 16, 2011
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.
Posts: 23Member
Joined: Oct 03, 2013
Posts: 202Member
Joined: May 29, 2013
ICT Business Analyst - 261111
Visa Subclass 189
24 June 2013 - Skills Assessment submitted to ACS
15 Aug 2013 - IELTs General Speaking Test
17 Aug 2013 - IELTs General Test (Listening, Reading, Writing)
30 Aug 2013 - IELTs Results (L - 9.0, R - 8.0, W - 8.0, S - 8.0, Overall - 8.5)
24 Sept 2013 - Favorable letter received from ACS (ICT Business Analyst)
26 Sept 2013 - Submitted EOI (70 points)
7 Oct 2013 - Received Invitation to Apply (Visa Subclass 189)
11 Oct 2013 - Submitted Visa Application
21 Oct 2013 - Medical Exam (I completed mine, partner had to wait for a few days to complete hers)
- applied for NBI Clearance
24 Oct 2013 - Primary Applicant (me) Medicals uploaded by NHSI.
4 Nov 2013 - Partner completed Medical Exam
5 Nov 2013 - Claim NBI Clearance
- Secondary Applicant (partner) Medicals uploaded by NHSI.
6 Nov 2013 - 20 Nov 2013 waiting for CO.
21 Nov 2013 - CO Allocated
26 Nov 2013 - Visa Grant (yehey!!)
21 March 2014 - Flight to Sydney (Qantas 7PM HKT)
6 May 2014 - Received 12 month contract from company (same company I worked for in Manila)
12 May 2014 - Started work
15 Dec 2014 - Hired permanently by current company (IT Service Manager).
17 Apr 2018 - Applied for Citizenship (online)
11 Mar 2019 - Citizenship Exam Schedule
08 Oct 2019 - Australian Citizenship Ceremony
==Slowly, but surely..Things will fall into place..==
Posts: 1,416Member, Moderator
Joined: Jan 11, 2011
Google for Everything !!!
Posts: 202Member
Joined: May 29, 2013
ICT Business Analyst - 261111
Visa Subclass 189
24 June 2013 - Skills Assessment submitted to ACS
15 Aug 2013 - IELTs General Speaking Test
17 Aug 2013 - IELTs General Test (Listening, Reading, Writing)
30 Aug 2013 - IELTs Results (L - 9.0, R - 8.0, W - 8.0, S - 8.0, Overall - 8.5)
24 Sept 2013 - Favorable letter received from ACS (ICT Business Analyst)
26 Sept 2013 - Submitted EOI (70 points)
7 Oct 2013 - Received Invitation to Apply (Visa Subclass 189)
11 Oct 2013 - Submitted Visa Application
21 Oct 2013 - Medical Exam (I completed mine, partner had to wait for a few days to complete hers)
- applied for NBI Clearance
24 Oct 2013 - Primary Applicant (me) Medicals uploaded by NHSI.
4 Nov 2013 - Partner completed Medical Exam
5 Nov 2013 - Claim NBI Clearance
- Secondary Applicant (partner) Medicals uploaded by NHSI.
6 Nov 2013 - 20 Nov 2013 waiting for CO.
21 Nov 2013 - CO Allocated
26 Nov 2013 - Visa Grant (yehey!!)
21 March 2014 - Flight to Sydney (Qantas 7PM HKT)
6 May 2014 - Received 12 month contract from company (same company I worked for in Manila)
12 May 2014 - Started work
15 Dec 2014 - Hired permanently by current company (IT Service Manager).
17 Apr 2018 - Applied for Citizenship (online)
11 Mar 2019 - Citizenship Exam Schedule
08 Oct 2019 - Australian Citizenship Ceremony
==Slowly, but surely..Things will fall into place..==
Posts: 4,336Member
Joined: Feb 24, 2011
Are you referring to Medicare or Medibank?
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!
Posts: 202Member
Joined: May 29, 2013
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..
ICT Business Analyst - 261111
Visa Subclass 189
24 June 2013 - Skills Assessment submitted to ACS
15 Aug 2013 - IELTs General Speaking Test
17 Aug 2013 - IELTs General Test (Listening, Reading, Writing)
30 Aug 2013 - IELTs Results (L - 9.0, R - 8.0, W - 8.0, S - 8.0, Overall - 8.5)
24 Sept 2013 - Favorable letter received from ACS (ICT Business Analyst)
26 Sept 2013 - Submitted EOI (70 points)
7 Oct 2013 - Received Invitation to Apply (Visa Subclass 189)
11 Oct 2013 - Submitted Visa Application
21 Oct 2013 - Medical Exam (I completed mine, partner had to wait for a few days to complete hers)
- applied for NBI Clearance
24 Oct 2013 - Primary Applicant (me) Medicals uploaded by NHSI.
4 Nov 2013 - Partner completed Medical Exam
5 Nov 2013 - Claim NBI Clearance
- Secondary Applicant (partner) Medicals uploaded by NHSI.
6 Nov 2013 - 20 Nov 2013 waiting for CO.
21 Nov 2013 - CO Allocated
26 Nov 2013 - Visa Grant (yehey!!)
21 March 2014 - Flight to Sydney (Qantas 7PM HKT)
6 May 2014 - Received 12 month contract from company (same company I worked for in Manila)
12 May 2014 - Started work
15 Dec 2014 - Hired permanently by current company (IT Service Manager).
17 Apr 2018 - Applied for Citizenship (online)
11 Mar 2019 - Citizenship Exam Schedule
08 Oct 2019 - Australian Citizenship Ceremony
==Slowly, but surely..Things will fall into place..==
Posts: 4,336Member
Joined: Feb 24, 2011
kung may mararamdaman ka na masama, doctor kaagad...
Primary Applicant: Wife
Accountant (General): 221111
04 Aug 2012 - IELTS (Academic Module)
07 Aug 2012 - IELTS (Academic Module) Speaking Part
17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
25 Sep 2012 - Received +Skills Assessment from CPAA
25 Sep 2012 - Lodged EOI Application with 70pts
30 Sep 2012 - Invited by DIAC to apply for 189 Visa
01 Oct 2012 - Submitted 189 Visa Application
20 Oct 2012 - Medical Examinations
23 Oct 2012 - CO Assigned; Team 7 - SA
05 Nov 2012 - Submitted SG PCC and NBI Clearance
06 Nov 2012 - Visa Granted (IED: 23/10/2013)
03 Apr 2013 - Flight to MEL
03 Jun 2013 - started work
12 Jun 2013 - wife started work
15 Jun 2016 - applied for citizenship
29 Jul 2016 - citizenship examination
20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!