Private Health Care Insurance

Comments

• LokiJr Quezon City
  Posts: 2,616Member, Moderator
  Joined: Jan 13, 2011

  March 2013

  Hi po @migik22, what sort of insurance advice po yung binigay niya?
• LakiMasel Perth
  Posts: 200Member
  Joined: Dec 18, 2012

  March 2013

  Uy, ok ito ah. Tanong ko din ito pero nakakalimutan ko lang ipost.
  
  Bakit po pala kailngan ng private? Mas maganda ba ang private kesa sa binibigay ng Aus?
• Nadine Brisbane
  Posts: 481Member
  Joined: Dec 15, 2012

  March 2013 edited March 2013

  @Lakimasel: hello po!
  
  for 457 visa holders, requirement to ng DIAC kasi they cannot access Medicare until they get PR.
  
  For PR din naman: a lot of people choose to maintain private health insurance kahit may Medicare na (so, it's over and above Medicare Australia) because of added coverage.
  
  @migik22: I am curious din po. Ano po advice niya regarding health insurance? Thanks!

  21 Dec 2012 - 457 lodged
  7 Jan 2013 - medical finalised
  8 Jan 2013 - visa approved
• LokiJr Quezon City
  Posts: 2,616Member, Moderator
  Joined: Jan 13, 2011

  March 2013

  ^ May +1.5% kasi sa tax mo pag wala ka private health insurance hehe
• li_i_ren North Ryde
  Posts: 434Member
  Joined: Oct 13, 2012

  March 2013

  Goggle the tv program current affairs australia, may topic sila about waiting list sa hospital like people with back problems requiring spinal surgeries if not life threatening some wait half a year to a year to get surgeries. D life threatening but means they are living in pain.
  
  With insurance, you can have it done privately.
  
  Im a 457 visa holder.. Requirement talaga on our visa to get insurance kasi not legible for publicly funded health care ang work visas.
  
  New p.r. Also may restrictions but at least legible to most hence insurance is still a must for those not covered by the insurance.
• scorcher Sydney
  Posts: 15Member
  Joined: Feb 12, 2013

  March 2013

  Hospital coverage is free with Medicare but there is waiting time and could take several months like what @li_i_ren posted. With private health insurance, like medibank, you have the option to choose your doctor and hospital and have a shorter wait time (or may even be at your convenience). On top of this you can add dentals, optometrist , chiro etc.
  Private health doesn't come cheap though. For myself and the family, I pay around $230 per month for top coverage but it give's me a piece of mind. There are still ways to lessen the premium.
  
• hotshot Sydney
  Posts: 1,643Member
  Joined: Nov 10, 2011

  March 2013

  tama ba pagkakaintindi ko dito. pag dating ng tax calculations, everyone pays the 1.5% Medicare Levy. then, if your salary meets the income threshold, you will be required to pay the additional Medicare Levy Surcharge (MLS) if you don't have private health insurance (this can be maximum 1.5% depending on salary). tama ba?

  Occupation: Analyst Programmer (ANZSCO Code 261311)
  May 21 2012 - lodged visa 176 (NSW) online application
  May 30 2012 - CO allocation
  Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
  Jan 19 2013 - Arrived in Sydney
  Jan 20 2013 - Started our job hunt
  Mar 11 2013 - Officially became a "HOUSE-BAND"
  Apr 22 2013 - End of my "HOUSE-BAND" career
• LakiMasel Perth
  Posts: 200Member
  Joined: Dec 18, 2012

  March 2013

  Hospital coverage is free with Medicare but there is waiting time and could take several months like what @li_i_ren posted. With private health insurance, like medibank, you have the option to choose your doctor and hospital and have a shorter wait time (or may even be at your convenience). On top of this you can add dentals, optometrist , chiro etc.
  Private health doesn't come cheap though. For myself and the family, I pay around $230 per month for top coverage but it give's me a piece of mind. There are still ways to lessen the premium.
  

  May mga site ka po ba na pwede pagaralan kung ano po yung magagandang Private Medical Insurance?
  
• lock_code2004 Perth
  Posts: 5,037Member, De-activated
  Joined: Feb 23, 2012

  March 2013

  i found this site very informative..
  may mga explanation... and then you can compare policies..
  
  http://www.privatehealth.gov.au/

  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)
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  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..
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  @LokiJr sorry at ngayon lang ako naka reply. Nakakuha na kasi ako ng insurance at gusto kong lumipat sa medibank. Sabi niya wag na kong lumipat kasi better ang nakuha ko.
  
  Hindi siya nakikipag usap lang pero tumutulong talaga siya sa mga pinoy.
• hotshot Sydney
  Posts: 1,643Member
  Joined: Nov 10, 2011

  March 2013

  @migik22 : pwede po pa-share kung anung specific coverage ang kinuha nyo sa medibank?

  Occupation: Analyst Programmer (ANZSCO Code 261311)
  May 21 2012 - lodged visa 176 (NSW) online application
  May 30 2012 - CO allocation
  Jul 16 2012 - Visa Granted! (IED Deadline: May 16, 2013)
  Jan 19 2013 - Arrived in Sydney
  Jan 20 2013 - Started our job hunt
  Mar 11 2013 - Officially became a "HOUSE-BAND"
  Apr 22 2013 - End of my "HOUSE-BAND" career
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  hindi ako kumuha sa medibank. Sa Bupa ako nakakuha.
  
  Classic Visitor's - public hospitals lang
  Silver Extras - dental, therapies, etc. hahalungkatin ko muna yung booklet mamaya.
  
  Ipapa alis ko din yung extras kasi mabigat sa bulsa. Tipid muna at tiisin ang ngipin na masakit.
  
  Pag 475 ang visa, walang 30% na rebate kasi wala namang Medicare pag temporary migrant. Nasa visitor's insurance naka classify ang coverage pag temporary.
• Nadine Brisbane
  Posts: 481Member
  Joined: Dec 15, 2012

  March 2013

  hindi ako kumuha sa medibank. Sa Bupa ako nakakuha.
  
  Classic Visitor's - public hospitals lang
  Silver Extras - dental, therapies, etc. hahalungkatin ko muna yung booklet mamaya.
  
  Ipapa alis ko din yung extras kasi mabigat sa bulsa. Tipid muna at tiisin ang ngipin na masakit.
  
  Pag 475 ang visa, walang 30% na rebate kasi wala namang Medicare pag temporary migrant. Nasa visitor's insurance naka classify ang coverage pag temporary.

  
  Sir, ok lang po ba magtanong? I am on a 457 (visitor coverage as well) and recently nag upgrade ako ng coverage. Pero pinatanggal ko yung mga extras. I'm not on Bupa pero tumitingin ako kung alin ang mas maganda.
  
  Tanong ko po, kung ok lang... ano pong premium binabayaran niyo monthly with Bupa? Salamat!
  

  21 Dec 2012 - 457 lodged
  7 Jan 2013 - medical finalised
  8 Jan 2013 - visa approved
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  @Nadine, girl po ako. Hehehe
  
  Nagsabi sa akin na magiging AUD 311. Medyo mabigat kaya ipaaalis ko muna.
• Nadine Brisbane
  Posts: 481Member
  Joined: Dec 15, 2012

  March 2013 edited March 2013

  @migik22: ooops, sorry .
  
  Sis, yung $300 is family coverage or single? I am around 150 single visitor. Naghahanap nga po ako ng better deal, kumbaga.

  21 Dec 2012 - 457 lodged
  7 Jan 2013 - medical finalised
  8 Jan 2013 - visa approved
• LokiJr Quezon City
  Posts: 2,616Member, Moderator
  Joined: Jan 13, 2011

  March 2013

  Yung private insurance niyo, hospital cover ba siya or may ancillary benefits din?
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  @LokiJr yung current coverage namin, public hospital + other services like dental, opto, therapies, etc.
  
  For next month, ang ire retain ko na lang ay yung hospital muna. Pag mas ok na ang cash flow, dagdag ko ulit yung extras (ancillary)
• LokiJr Quezon City
  Posts: 2,616Member, Moderator
  Joined: Jan 13, 2011

  March 2013

  @migik22 mga magkano natipid niyo pag wala nang ancillary?
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  @Nadine no problemo yung 300 family yun - ako, hubby and daughter
• migik22 Melbourne
  Posts: 42Member
  Joined: Aug 30, 2012

  March 2013

  @LokiJr nasa AUD 60-75 per month. Sayang din pambili na din ng gamit sa bahay.
• LokiJr Quezon City
  Posts: 2,616Member, Moderator
  Joined: Jan 13, 2011

  March 2013

  sorry follow up uli hehe
  
  Yung Hospital Only...inpatient services lang po siya?
• li_i_ren North Ryde
  Posts: 434Member
  Joined: Oct 13, 2012

  March 2013

  Im on tHe bupa classic visitors cover. Paying only 90 aud for me, hubby and 1 child. My husband is diabetic so we go to the gp regularly, we get refund for the gp costs, lab tests ... Just ask for an invoice with an item number. Go to the nearest bupa centre to get a claim form or have 1 mailed to u.
  
  Gp is considered outpatient and still covered.
  
  May 1 year waiting period lng for pregnancy...so definitely no kids yet! Hahahaha.
  
  
  We dont have extras to save on cost... Anyway, how often do u need glasses or go to the dentist naman. We just wemt home sa pinas couple months back.. Dentist and full check up agad before shopping or meeting families kasi mahal yan dito en:)
  
  Not a bad deal..