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Posts: 861Member
Joined: Apr 25, 2014
Timeline: Student Visa Subclass 573 (Masters)
06 July 2015: Visa Grant
April 2018: Uni Graduation
Timeline: Permanent Visa (189) Accountant 221111
18 April 2018: ITA received - Visa 189
04 May 2018 : Lodged Visa Application - Visa 189
29 Aug 2018 - First CO Contact - PCC Qatar (partner)
9 Jan 2019 - 2nd CO Contact - penal waiver
18 Jan 2019 - Updated immiaccount with penal waiver
29 Jan 2019 - Forwarded PCC to gsm.allocated email
8 Feb 2019 - Visa Grant - Finally!!
Timeline: Citizenship
July 2020: Application lodgment
May 2021: Citizenship Exam
Feb 2022: Oi! Oi! Oi! Aussie na din sa wakas!
Joined: Jun 26, 2019
What do you recommend po for a couple insurance? HCF seems to have good reviews for their hospital + clinics na coverage. Mas mura din sila than bupa.
Posts: 48Member
Joined: Sep 23, 2017
Hi! I just arrived in Adelaide. Very informative posts! May tanong lang ako. Is it imperative that I get private health insurance right away? I mean, I know it's helpful to have that for peace of mind also but I'm trying to conserve my savings until I get a job here. Right now I'm just doing research on which health insurance I'll go with. I've already registered at Medicare yesterday. Thanks in advance!
232411 Graphic Designer (Age Pts:25 | English: 20 | Education: 15 | Experience: 15)
14 Sep 2017 - VETASSESS: Positive
06 Nov 2017 - PTE results L-90 R-86 S-90 W-90 (Overall: 90)
10 Nov 2017 - Submitted EOI NSW (190 | 80 | 232411)
23 Jan 2018 - Submitted EOI NA (190 | 80 | 232411)
09 Feb 2018 - Received ITA - South Australia
26 Feb 2018 - NBI Clearance appointment
24 Mar 2018 - VIsa 190 - SA lodged
03 Apr 2018 - SG COC collected
19 Apr 2018 - Medicals completed
09 Jul 2018 - CO contact requesting for evidence of Superior English
24 Sep 2018 - Visa Grant!
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
@cibomatto in my opinion considering that you want to save money for the meantime,
if youre single (or even a family) and everyone is relatively healthy , then it is not imperative.
but if some members have health issues and medicare does not cover those, then insurance is really helpful.
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 48Member
Joined: Sep 23, 2017
Thanks @Captain_A ! I'm on maintenance meds for hypertension.. I still have 3 months' worth of meds with me. So I guess I could put it off for now since wala pa ako stable job here. Thanks again!
232411 Graphic Designer (Age Pts:25 | English: 20 | Education: 15 | Experience: 15)
14 Sep 2017 - VETASSESS: Positive
06 Nov 2017 - PTE results L-90 R-86 S-90 W-90 (Overall: 90)
10 Nov 2017 - Submitted EOI NSW (190 | 80 | 232411)
23 Jan 2018 - Submitted EOI NA (190 | 80 | 232411)
09 Feb 2018 - Received ITA - South Australia
26 Feb 2018 - NBI Clearance appointment
24 Mar 2018 - VIsa 190 - SA lodged
03 Apr 2018 - SG COC collected
19 Apr 2018 - Medicals completed
09 Jul 2018 - CO contact requesting for evidence of Superior English
24 Sep 2018 - Visa Grant!
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
@cibomatto i think covered yan ng medicare, all the best to you
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 48Member
Joined: Sep 23, 2017
I'll also verify with them when I need to consult again to get more meds. Thanks, @Captain_A !
232411 Graphic Designer (Age Pts:25 | English: 20 | Education: 15 | Experience: 15)
14 Sep 2017 - VETASSESS: Positive
06 Nov 2017 - PTE results L-90 R-86 S-90 W-90 (Overall: 90)
10 Nov 2017 - Submitted EOI NSW (190 | 80 | 232411)
23 Jan 2018 - Submitted EOI NA (190 | 80 | 232411)
09 Feb 2018 - Received ITA - South Australia
26 Feb 2018 - NBI Clearance appointment
24 Mar 2018 - VIsa 190 - SA lodged
03 Apr 2018 - SG COC collected
19 Apr 2018 - Medicals completed
09 Jul 2018 - CO contact requesting for evidence of Superior English
24 Sep 2018 - Visa Grant!
Posts: 20Member
Joined: Nov 05, 2018
Hello, we are on visa 489 (SA) ng husband ko. Since we are planning to start a family too, what would be the best insurance provider that you would recommend? Your thoughts and opinions are highly appreciated.
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
if you plan to have a baby, make sure to take note that it requires atleast 12 months waiting period to avail the services that the insurance will cover for your whole pregnancy period. also, take note that 489 is not yet PR visa so i think baby may need to get her own insurance for all check ups after delivery since baby is not yet au citizen.
i think having 489 visa after 2 yrs u will be eligible for PR visa, being PR parents will give more conveniences to future baby.
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 20Member
Joined: Nov 05, 2018
Hello @Captain_A thank you. Yes, we are well aware sa conditions and taking those into consideration too. Sa dami kasi ng insurance provider, i don't know which is the best and at the same time mas budget friendly. If in case you can recommend one, please let me know so that we could look into it.
Joined: Sep 19, 2016
Did u get pregnant na ba? What Insurance did u choose? Same situation here. Were moving to NT in 489 visa and were planning to start a famili
*May 2016 -Heard one friend sharing stories about Australia
-Had my research the ff.day about my job opportunity in Australia
-Become aware about PTE, ANZSCO and VETASSESS
*Sept.2016 - 1st attempt of PTE (Dubai). LRSW = 83/71/76/83
*Dec.2016 - Submitted docs to VETASSESS for Skills Assessment
*Feb.2017 - Positive result from VETASSESS
(Only chance of EOI was in SA which require high points for a 489 visa)
*Mar.2017 - 2nd attempt of PTE (Phil). LRSW = 86/76/65/90 (unsuccessful to get superior)
*Nov.2017- I turned 40, which means minus 10 pts. =(
- Started to lose hope and forget my Aus dream for a while
*July 2018 - NT, SA and Tasmania were open
- I needed to get a superior score from PTE
*Aug. 2018 - 3rd attempt of PTE (Dubai). LRSW = 57/69/84/56 (scores were awful)
(Despite my scores, I am determined and wont stop til i get that superior)
*Oct.2018 - 4th attempt of PTE (Phil). LRSW = 79/90/83/86 (at last!)
*Nov.2018 - EOI Northern Territory, Tasmania and SA
*Aug.1, 2019 - Northern Territory ITA
*Aug.7, 2019 - Official NT Skillselect ITA (Hired MA for visa lodging)
*Aug.20, 2019 - Lodged Visa
(Whatever the outcome is, life goes on & Im forever grateful to the Lord)
*Nov.18, 2019 - 489 Visa direct grant
Thank you Lord
Posts: 58Member
Joined: Apr 10, 2018
Hi, paadvice lng po, sa mga PR, kumuha po ba kayo ng private health insurance? Lapit n po kasi ako mag one year at nag dadalawang isip ako kung kukuha ako. Thank you
Posts: 981Member
Joined: Jan 27, 2018
Pag wala kang private health cover, may additional loading kang 2% (if I remember correctly) para sa Medicare. Binabawas to sa sweldo mo at dinadagdag sa Medicare. Bear in mind also na hindi covered ng Medicare ang dental, eye exam and some other extras... for me ok na rin kahit minimum cover lang.
++++++++++++++++++++++++
07.2016 | IELTS
01.2017 | Applied to AHPRA
04.2017 | received Letter of Referral
09.2017 | finished BP
11.2017 | AHPRA Registration / Employment Offer
12.2017 | Lodged 457 Visa Application (onshore) / ANMAC Assessment
01.2018 | 457 Visa granted / Received positive ANMAC Assessment / Submitted EOI
04.11.2019 | Received Employer Nomination
04.26.2019 | Submitted Visa application (186 DE)
05.06.2019 | CO contact for medical exams
05.09.2019 | Visa Granted (186 DE)
17.09.2021 | Application for Citizenship
21.03.2022 | Citizenship exam, interview and approval
02.07.2022 | Citizenship Ceremony
(Thank you Lord!!!)
21.03.2023 | Citizenship interview, exam and approval of dependents
++++++++++++++++++++++++
Joined: Aug 26, 2018
For those who opted not to get Private Health Insurance(PHI) for now, some PHI services will have a wait time before you can avail it. Most of the time, it's one year after availing it.
Posts: 981Member
Joined: Jan 27, 2018
this is true...
++++++++++++++++++++++++
07.2016 | IELTS
01.2017 | Applied to AHPRA
04.2017 | received Letter of Referral
09.2017 | finished BP
11.2017 | AHPRA Registration / Employment Offer
12.2017 | Lodged 457 Visa Application (onshore) / ANMAC Assessment
01.2018 | 457 Visa granted / Received positive ANMAC Assessment / Submitted EOI
04.11.2019 | Received Employer Nomination
04.26.2019 | Submitted Visa application (186 DE)
05.06.2019 | CO contact for medical exams
05.09.2019 | Visa Granted (186 DE)
17.09.2021 | Application for Citizenship
21.03.2022 | Citizenship exam, interview and approval
02.07.2022 | Citizenship Ceremony
(Thank you Lord!!!)
21.03.2023 | Citizenship interview, exam and approval of dependents
++++++++++++++++++++++++
Posts: 913Member
Joined: Nov 15, 2014
Hello any recommendation for a PHI provider po?
312312 - (Electrical Engineering Technician) Primary
11/27/2015 - Lodge TRA assessment application
02/26/2016 - Received TRA outcome letter
04/19/2016 - lodge vetasses qualification assessment.
05/20/2016- Received Vetassess PTA, AQF Bachelors Degree
05/21/2016- Lodge SS for SA
06/06/2016- Received ITA SS SA
06/11/2016- Lodge SS for NSW
06/27/2016- Received ITA SS NSW ( God is great! thank you Lord)
07/14/2016- Medical Cleared
07/31/2016- lodge ITA NSW
08/05/2016- Uploaded NBI. Waiting.. In His time everything is right..,
23/11/2016- Grant ( Thanks Lord God )
Posts: 981Member
Joined: Jan 27, 2018
We're on basic BUPA coverage. Haven't checked if it's the best or cheapest but more than enough to have a sense of peace of mind.
++++++++++++++++++++++++
07.2016 | IELTS
01.2017 | Applied to AHPRA
04.2017 | received Letter of Referral
09.2017 | finished BP
11.2017 | AHPRA Registration / Employment Offer
12.2017 | Lodged 457 Visa Application (onshore) / ANMAC Assessment
01.2018 | 457 Visa granted / Received positive ANMAC Assessment / Submitted EOI
04.11.2019 | Received Employer Nomination
04.26.2019 | Submitted Visa application (186 DE)
05.06.2019 | CO contact for medical exams
05.09.2019 | Visa Granted (186 DE)
17.09.2021 | Application for Citizenship
21.03.2022 | Citizenship exam, interview and approval
02.07.2022 | Citizenship Ceremony
(Thank you Lord!!!)
21.03.2023 | Citizenship interview, exam and approval of dependents
++++++++++++++++++++++++
Posts: 913Member
Joined: Nov 15, 2014
Thanks sa reply@cucci. Madalas nga namention yong BUPA dito, titingnan ko narin yong mga offers nila.
312312 - (Electrical Engineering Technician) Primary
11/27/2015 - Lodge TRA assessment application
02/26/2016 - Received TRA outcome letter
04/19/2016 - lodge vetasses qualification assessment.
05/20/2016- Received Vetassess PTA, AQF Bachelors Degree
05/21/2016- Lodge SS for SA
06/06/2016- Received ITA SS SA
06/11/2016- Lodge SS for NSW
06/27/2016- Received ITA SS NSW ( God is great! thank you Lord)
07/14/2016- Medical Cleared
07/31/2016- lodge ITA NSW
08/05/2016- Uploaded NBI. Waiting.. In His time everything is right..,
23/11/2016- Grant ( Thanks Lord God )
Joined: Nov 06, 2016
Pakiiclude nyo na din sa choices nyo ang may Free ambulance pick up coverage. Importante to lalo na pag mahilig mag long distance travel at may emergency case.
"For I know the plans I have for you, declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future"
Age: 25 Language: 20 Experience: 15 Education: 15
08/09/2017 - passed Australian Medical Scientist exam
27/10/2017 - PTE LRSW- 77/80/75/85
2018- got promoted, new job responsibilities,stop muna ang AUSSIE DREAM
25/09/2018- PTE LRSW- 70/82/90/70 ( technical, ayaw magmove ng mouse ko sa listening, 2 WFD diko nasagot, submitted report\complain pero wala din)
17/10/2018- PTE LRSW- 84/77/90/84
09/02/2019- PTE LRSW- 83/82/90/85
10/02/2019 -EOI lodge 75 (189) 80 (190)
11/02/2019 - ITA received 189 ( 75 points)
12/02/2019 - NSW ITA received 190 ( 80 points)
19/02/2019 - SG PCC released
20/02/2019 - Medical at SATA Ang Mo Kio @6-9 pm night clinic
23/02/2019 - Visa lodged 189
06/03/2019 - NBI provided ( umuwi ako Pinas kasi sa online Last name ni husband nag aapear, di pa ako nagchange ng married name ko kaya gusto ko kapareho nun passport at iba pang docs ko. Pag sa Pinas, pinakita ko lang passport ko at yun nirelease nila.
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
if you are referring to medicare levy surcharge , this is only applicable to those who earns 90k annually for single or 180k combined for couple.
in my opinion, if you are relatively healthy and below the minimum, pwede na no PHI. pero syempre PHI has advantages like no need to be on waiting list, being on private hospital etc (in case of hospitalization).
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
Medicare Levy , on the other hand, is mandatory for all earning above 27k annually.. prorata to, max of 2% of your taxable income
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
-consider your annual income first
-your state of health
overall, PHI is advisable if you are financially capable and/or wants peace of mind for yourself and/or your family.
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
also take note PHI premiums increases regularly
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 586Member
Joined: Nov 13, 2016
Sir kayo po, meron po ba kayong PHI?
261311 - Analyst Programmer
2016 - IELTS Failed W6.5
11.11.2016 - PTE-Acad Failed(S58)
02.01.2017 - PTE-Acad Passed!! Thank you Lord!!! - superior
02.07.2017 - Submitted ACS assessment
02.15.2017 - Got positive assessment.Thank you Lord!!!
02.15.2017 - Lodged EOI 189 {70pts}
03.01.2017 - ITA received
03.31.2017 - Medical at Nationwide
04.10.2017 - Medical Cleared
04.11.2017 - Sg coc e-appeal approved
04.19.2017 - NBI clearance! (Hit!)
04.20.2017 - lodged 189
04.21.2017 - frontloaded all docs except nbi and sg coc
05.29.2017 - CO contact - additional payslips and form 815
05.31.2017 - uploaded docs
11 Sept 17 - Grant! Thank you Lord
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
hindi po ako kumuha..
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Joined: Aug 26, 2018
PHI came in handy for us. My wife needs to have a procedure. Thru the public health system, It would take a wait time of 6-8 months. It was not life-threatening but I can't let my wife (or any of my family members) to suffer while waiting for the procedure. Thru public health care, you can't choose the doctor as well.
We also use our PHI for our dental needs. We got orthodontic cover so it paid for my son's braces too. I felt bad for some fellow kabayans who would rather bear the pain of having a toothache than see a dentist. Dental services for adults are a bit expensive without PHI. Also, another reason, is they would rather go to the Philippines for dental services which is cheaper.
For me, its about priorities. The same kabayan have his family on the latest iPhone/iWatch/air pods that are available and I am still on my trusty Galaxy S6.
Posts: 984Member
Joined: Aug 13, 2016
To add lang din, if plan mo talaga kumuha ng private. Wag mo patagalin, may time frame yan eh. Pag lipat mo au, may discount yung PHI mo if kumuha ka within the time frame. My family and I are on Bupa. Private nanganak si misis. wala kami binayad kahit piso. tas covered na agad yung baby without additional payment. Me personally, I think it is more of a necessity rather than a Luxury. Ok ang medicare for sure. Pero you will never know eh.
Computer Network and Systems Engineer - 263111
Age 33-39- 25points
English superior- 20points
Bachelor's Degree- 15points
Work Experience- 10pts
Total- 70pts
July 25, 2016- Lodged ACS
August 2, 2016- Favorable letter from ACS
January 10, 2017- Took PTE
January 12, 2017- PTE exam results (L90 R86 S90 W79)
January 12, 2017- EOI
January 18, 2017- ITA received
January 19, 2017- NBI (hit)
January 23, 2017- Visa Lodge 189
January 24, 2017- Medical bgc
January 27, 2017- NBI clearance received
February 2, 2017- Medical cleared (no action required)
February 15, 2017- Grant
October 26, 2017- Flight to Melbourne
October 27, 2017- Landed in Melbourne
July 14, 2018- Moved to Sydney
October 11, 2019- Wife gave birth to a baby boy
October 20, 2019- Applied for baby's birth certificate online
October 23, 2019- Baby boy's birth certificate received
October 25, 2019- Applied for baby's medicare
October 31, 2019- Baby's medicare activated
October 31, 2019- Applied for baby's citizenship certificate
November 7, 2019- Received baby's citizenship certificate
November 13, 2019- Applied for baby's passport
November 20, 2019- Baby's AU passport received
November 2, 2021- Submitted AU citizenship application for myself and my wife
April 14, 2022- Received Interview with Standard Test letter. May 25 schedule.
May 25, 2022- Passed the Australian Citizenship Test
May 25, 2022- Citizenship Approval Received
September 15, 2022- Invitation to Citizenship Ceremony Received
October 6, 2022- Citizenship Ceremony
October 18, 2022- AU passport application lodged
November 7, 2022- Passport received
Posts: 66Member
Joined: Aug 15, 2017
I'm on 489 and currently with BUPA. Presently pregnant and I get to claim almost 50% of my expenses for antenatal checkups and pathology tests. Kaka book-in ko lang sa hospital (due in July) and confirmed 100% covered yung hospital fees ko as a Private patient.
Insurance is definitely a necessity lalo na kung hindi ka pa PR and walang Medicare.
Posts: 2,179Member, Moderator
Joined: Jul 04, 2012
congratulations on your coming baby
18 Mar '16 IELTS Results
06 Apr '16 EA CDR Skills Assessment submitted
26 Apr '16 EA Skills Assessment Positive Outcome
06 May '16 PTE-A Exam
07 May '16 PTE- A Results & Submitted EOI
11 May '16 Got ITA
02 Jun '16 Lodge Visa
04 Jul '16 Direct Grant
Believe you can... and you're halfway there.... - Roosevelt
Posts: 58Member
Joined: Apr 10, 2018
Salamat po sa mga input.