Private health insurance in Australia

engineer20

@Captain_A said:
may parating na ba na bagong bunso sir Dal?

last na siguro yun at mahirap magalaga ng bata hehe. ikaw ang baka madagdagan at nalockdown kayo hehe

Captain_A

@engineer20 said:

@Captain_A said:
may parating na ba na bagong bunso sir Dal?

last na siguro yun at mahirap magalaga ng bata hehe. ikaw ang baka madagdagan at nalockdown kayo hehe

grabe ang hirap pala kapag may bata na.. lalo ngayon at lockdown..
hndi na muna agad sundan.. heheh

jakibantiles

Hello po. Meron po bang policy na "as charged" ang arrangement for hospitalization katulad dito sa SG?

lapak18

My health insurance na po ako sa company namin kailangan ko pa rin ba kumuha ng private insurance? Or kukuha na lang ako para sa wife ko na secondary applicant for tss 482

jsp

@lapak18 said:
My health insurance na po ako sa company namin kailangan ko pa rin ba kumuha ng private insurance? Or kukuha na lang ako para sa wife ko na secondary applicant for tss 482

Wow, anong health insurance coverage mo, if I may ask? TSS 482 din ako, and kakaconfirm ko lang sa HR duon na hindi nga raw covered ang insurance and I have to purchase a medical insurance for me and wife... bat ganonnn haaha, sana all...

lapak18

@jsp yung health insurance from company is GU health plan, nag fill up ako form included yung wife and anak ko, and concern ko lang whether covered ba siya under visa condition 8501, if hindi bibili ako ng personal insurance btw anung insurance kinuha mo?

jsp

@lapak18 said:
@jsp yung health insurance from company is GU health plan, nag fill up ako form included yung wife and anak ko, and concern ko lang whether covered ba siya under visa condition 8501, if hindi bibili ako ng personal insurance btw anung insurance kinuha mo?

Wala pa kasi hindi pa naman kami nanduon. Pero sabi nung immi lawyer, pwede naman na bumili while offshore, pero pwede din naman nakapag arrange na ng insurance para pagdating sa AU, meron na. Yun din actually ung tanong ko, need na ba mag purchase now while offshore? Or kapag nalaman na lang flight date? haha... kasi sa nakita ko, idedebit na nila monthly ung insurance, so kung now ka bili, madedebit ka na, following month same date, madededbit ka ulit...

lapak18

@jsp yun and diko alam baka nga ibabawas na yun sa account pag ng purchase kna ng insurance

jakibantiles

Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

a09

Hi! I may apply for the Visa 482 soon. With regard to the adequate health insurance requirement, would I need to pay the insurance a one time fee for the duration of three years (three years kasi contract) or can I just pay for the first month for now?

maguero

@jakibantiles said:
Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

There are 2 things to consider. Yung first, depende sa income ninyo. Pag lumampas kayo sa income threshold sisingilin kayo ng Medicare Levy Surcharge kung wala kayong private health insurance. Parang mas mabuting i-compute ninyo kung magkano yung magiging surcharge ninyo tapos just get the insurance coverage equivalent to that amount. At least may benefits kayong makukuha kung ibayad nyo yung pera sa private health insurance kesa ibayad ulit sa Medicare na wala nang additional benefits. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Medicare-levy-surcharge/

The second thing to consider is your age. If you are over 30 years old and wala kayong private health insurance tapos you decide to get this later on, you will be charged health care loading which will make your premium more expensive. You can read about it here https://www.ato.gov.au/Individuals/Medicare-and-private-health-insurance/Private-health-insurance-rebate/Lifetime-health-cover/

maguero

@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

jakibantiles

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Wow thank you po. Basahin ko po yung links na binigay nyo.

yeppuda

@jakibantiles said:
Hello po. Kaka PR lang po namin ni hubs galing ng TSS 482, wala pang kids. Advisable po ba na icontinue yung insurance namin? Ano po main difference pag may medicare na? 250dol/month din kasi, pandagdag sa ipon sana. O baka may mairecommend po kayong basic insurance na hindi kamahalan. Thank you po.

from my experience nung first year ko after makuha PR, nag extras muna kami then recently move with hospital cover due to medicare levy surcharge and lhc . You can check health providers now may mga offers sila like in my case with HCF 3rd and 4th month free cover.

jakibantiles

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

hikari

@jakibantiles said:

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

jakibantiles

@hikari said:

@jakibantiles said:

@maguero said:
@jakibantiles Pag PR na pwede na pumili dun sa bronze, silver, gold packages. Iba na yung rate kesa dun sa foreign worker health cover na inooffer sa non-PR. So baka yung lowest level of cover will already satisfy the Medicare Levy Surcharge requirement.

Thank you po. Inadvise ng Bupa na magbasic accident cover kami, para masatisfy yung MLS. Bale $140 na lang ang monthly payment, dating $250 for a couple. Nung unang tax refund ko sa MLS umabot ng $790, 5mos in sa financial year. Madodoble kaya yun this year kasi nakabuo kami ng 1yr na walang medicare?

Hello! Ang ginawa ko nagsubmit pa din ako ng medicare levy exemption sa MES tapos balak ko sa tax lodgement na iindicate yung days na wala kaming medicare. May marereturn pa din daw sabi ng tax agent namin.

Oo nga daw po. Ang saya kung ganon 😆