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Private health insurance in Australia

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Comments

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @TasBurrfoot ... roughly po how much per week including na yunplan pregnancy ni Mrs?
    Plan pregnancy? Ahahaha!! You mean the insurance coverage ata... :)

    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!!

  • meehmoohmeehmooh Perth
    Posts: 270Member
    Joined: Jun 12, 2011
    @TasBurrfoot ..yes private insurance including hospitalisation + pregnancy package...

    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

    • Proverbs 3:5-6
      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.
  • floradanicafloradanica Perth
    Posts: 167Member
    Joined: Apr 24, 2013
    edited July 2013
    Anybody here who had an eye surgery in Aussie?
    Please share your story. ;;)

    And ano mga health insurance companies kayo bumili ng policy?
  • lezgomelbournelezgomelbourne Braddon
    Posts: 19Member
    Joined: May 10, 2013
    May mga kakilala ako na they have medicare and private health insurance. May mga extras kasi that they can avail with private health insurance.

    www.lezgomelbourne.wordpress.com

  • staycoolstaycool Sydney
    Posts: 758Member
    Joined: Apr 08, 2013
    So basically it would be better to get a private health insurance to add up sa medicare... the problem lies nalang which insurance would offer the BEST in terms of rate vs. service...???
    • via MARA Agent
      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 ??
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    Hmm so ang private insurance ay pdeng from 150-300++ AUD per month? Hindi ba pag nicompute yun, halos same na lang din ng tax levy? hehe ay kaso meron ngapalang LHC...

    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

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    Hello guys, mag ask lang ako about Private Health Insurance.
    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 :)

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    edited October 2013
    Hello guys, mag ask lang ako about Private Health Insurance.
    1. Advisable po ba na kumuha na agad nito pagdating na pagdating pa lang sa Australia?
    No for me ...



    Google for Everything !!!

  • peach17peach17 Los Angeles
    Posts: 1,684Member
    Joined: Jan 13, 2013
    Hello guys, mag ask lang ako about Private Health Insurance.
    1. Advisable po ba na kumuha na agad nito pagdating na pagdating pa lang sa Australia?
    No for me ...




    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 :)

  • lock_code2004lock_code2004 Perth
    Posts: 5,037Member, De-activated
    Joined: Feb 23, 2012
    @peach17 - if you are 30yrs old and above..
    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.. ;)

  • multitaskingmultitasking North Ryde
    Posts: 544Member
    Joined: Oct 02, 2012
    @peach17
    Hello guys, mag ask lang ako about Private Health Insurance.
    1. Advisable po ba na kumuha na agad nito pagdating na pagdating pa lang sa Australia?

    HI.. for me.. may dalawang kids ako (8 and 13).. mas gusto ko ng meron kaming Private Insurance...to play safe...

    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

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Hello guys, mag ask lang ako about Private Health Insurance. Iii
    1. Advisable po ba na kumuha na agad nito pagdating na pagdating pa lang sa Australia?
    No for me ...




    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?
    Im assuming you still dont have a work, it will be a burden to you, 2 nd you need to research to what private health fund fits you, but if you have money to burn by all means get one

    Google for Everything !!!

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    Advisable rime is When you have a stable job or before your 1 year stay in australia ( based on initial entry)

    Google for Everything !!!

  • kookie420kookie420 Sydney
    Posts: 101Member
    Joined: Apr 19, 2013
    been here a few months, and am starting to think of private insurance. i just don't get it. medicare seems to be perfectly fine. except for ambulance and non-essential extras.

    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?
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    ^ i agree with what you have mentioned. kaso nga lang, if you are earning some certain income above the threshold, you would need to get private insurance to alleviate the Medical Levy Surcharge (on top of the medical levy that is 1.5%) and claim some rebates for the payments you've made. When you're earning a certain income, the medical levy surcharge becomes a rip-off. hehehe ohh not to mention the LHC (lifetime health cover) if you are 31 and above...

    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

  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    On LHC: Who pays LHC?
    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

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @stolich18 umm sorry dik po msyado maintindihan. Bale before ka mag 31 dapat kumuha ka ng private insurance?

    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 :)

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    @stolich18 umm sorry dik po msyado maintindihan. Bale before ka mag 31 dapat kumuha ka ng private insurance?

    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 :)

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    edited February 2014
    @stolich18 umm sorry dik po msyado maintindihan. Bale before ka mag 31 dapat kumuha ka ng private insurance?
    Yes tama pagkaka intindi mo

    before 31 years old or

    A letter from medicare stating that you are less than a year Immigrant :)

    Google for Everything !!!

  • kremitzkremitz North Ryde
    Posts: 1,074Member
    Joined: Apr 17, 2013
    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?

    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 :)

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    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?
    Yes

    Google for Everything !!!

  • kookie420kookie420 Sydney
    Posts: 101Member
    Joined: Apr 19, 2013
    @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.

  • SakenSaken North Ryde
    Posts: 35Member
    Joined: Jul 16, 2011
    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.
  • AmelieAmelie Melbourne
    Posts: 23Member
    Joined: Oct 03, 2013
    Any experience with GMHBA? My husband's superannuation is Hesta, and there's a discount daw if we go GMHBA, 7%, for private health.
  • mhejmhej Sydney
    Posts: 202Member
    Joined: May 29, 2013
    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.

    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..==

  • JCsantosJCsantos Sydney
    Posts: 1,416Member, Moderator
    Joined: Jan 11, 2011
    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.
    This should be covered by medicare if you are a PR , pero sa non-PR im guessing its covered

    Google for Everything !!!

  • mhejmhej Sydney
    Posts: 202Member
    Joined: May 29, 2013
    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.

    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..==

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    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.
    I don't think included ang mga annual check-ups eh...

    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!!

  • mhejmhej Sydney
    Posts: 202Member
    Joined: May 29, 2013
    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.
    I don't think included ang mga annual check-ups eh...

    Are you referring to Medicare or Medibank?
    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..

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  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    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.
    I don't think included ang mga annual check-ups eh...

    Are you referring to Medicare or Medibank?
    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..

    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...

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