Private health insurance in Australia

misisv

hello! Ask ko lang po sana sa mga naka-489 visa dito kung anong health insurance provider at anong coverage ang kinuha niyo?

frappz

hi question po. ano po ibig sabihin pag naka x yung refund policy? and may 3 month minimum na nakalagay

mitchiekoy

@misisv hi, we got bupa nung 1st year namen then lipat kme ng medibank after kasi mas maganda coverage nila.

kathmendez

For me health insurance is a must, I was hospitalized before and wala akong insurance or even philhealth. Sobrang sayang kasi instead na macocover a big chunk of the bill I ended up paying around 50k

bookworm

Experiences in the Philippines and Au are different. Will share my story. In Au, there is Medicare, which means that if in an emergency, you can go to the public hospitals here and be treated for free. This is why a lot of people choose not get private health insurance. There is no need for it. However, in certain situations, they apply triage, meaning they prioritize people who will need it more.

For my story, within a year of my arrival here, I got private insurance simply because I wanted to avoid healthcare loading. I only got the basic ambulance and hospital coverage. Since single, I paid less than a hundred per month.

Fast forward 2 years, I felt a pain in my tummy. It was persistent but didn't impede my daily activities. I went to the doctor, and after several tests, it was determined that I had a cyst in my ovary that was huge. It definitely needed to be removed. My doctor asked if I wanted to go private or wait for the hospital. Since I already had insurance, I took the private option. I was operated on the next day (next availability of the doc), and was fine within 2 weeks.

To sum it up:
Private Health Insurance
Pros:

• immediate care
  
• own room

Cons:

• pay excess fees (depending on what you chose when you got your insurance)
  
• monthly or annual fee

Medicare or public hospital

• Pros
  
• totally free

Cons

• shared room
  
• wait for availability
  

So, you need to choose what is best for you. Look at the pros and cons I mentioned and determine for yourself if the additional cost is worth it.

japsdotcom

Hello Kabayan! What Health Insurance ang pwede ninyo marecommend for Family of 4 with good Full medical coverage for TSS/Visa 482 holder po. Salamat po.

batman

@japsdotcom ano insurance kinuha nyo?

japsdotcom

Hi @batman Wala pa kami nakuha na insurance sa Australia na search pa ako kung ano mas ok ang coverage and mabilis makapag reimbursement. kayo ano nakuha ninyo na insurance?

batman

@japsdotcom wla pa din. Pili pili pa.

mediliza

@LokiJr parang late na reply ko pero contact me if you have any friend who have issues with health insurance i work with medibank i can help out clarify things

batman

@mediliza may tanong ako, ano e mail mo?

mediliza

@LokiJr email me at [email protected]

mediliza

guys im pinay too so if you want help i will answer all your qs help you out decide how to go about it i have all the info

mediliza

@batman [email protected] mas secure dun

maguero

@batman @japsdotcom Nagstart na ako magresearch ng personal health insurance since 489 yung visa ko. Anu-ano yung mga pinagpipilian ninyo? Meron bang mga dapat i-take into consideration aside from yung coverage or halos pare-pareho din and sa rates lang nagkakaiba?

batman

@maguero medibak, bupa, allianz pa lang na check ko. Di ko pa din aral ng husto.

just.anotherguy

@mediliza better not post your email po kasi susceptible po kayo ma-spam ng mga bots..anyway, PM ko po kayo

japsdotcom

@maguero @
Here is my option.
1. Allianz
2. Medibank
3. Bupa
In my opinion, in terms of extras, Allianz has a better cover than Bupa. Bupa is at 50% whereas Allianz is at 70% with a bigger annual limit. The Medibank cover is top of the line, however, the cost is also bigger.

maguero

Thank you @japsdotcom @batman

Uunahin ko nang i-research yung mga nabanggit nyo na providers.

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!