吹水玩樂

時事理財

由家出發

媽媽天地

育兒教養

情報分享

意見反饋

聯絡管理員

我的中心

Baby Kingdom - 親子王國香港討論區 › 首頁 › 國家地區媽媽會› Medical Insurance

國家地區媽媽會今日: 0|主題: 20237

收藏本版

發帖

返回列表

跳至頁

查看: 2520 | 回覆: 13

[澳洲] Medical Insurance [複製鏈接]

LazyBug

男爵府

積分: 5641

1^#

發表於 09-10-14 13:15 |只看該作者 |倒序瀏覽 |打印

剛剛上月在澳洲settle, 想請問一家四口(小朋友讀小學)買medical insurance要注意d乜, 除住院保障外, 還有什麼是必須的？

謝謝！

0 0 0

私人傳訊

Mrs.Kangaroo

公爵府

積分: 25364

2^#

發表於 09-10-15 15:19 |只看該作者

if you guys wear glasses, get extra cover for glasses, basic dental etc.

if you are not intent to stay at private hospital if needed or neither you need to pay medicare levy surcharge, no need to get hospital cover.

but if you really want/need, get it before 30years old or within one year you arrived in Australia in order to avoid to pay insurance loading.

if you and your C6 are over 30 and going to get the private health insurance cover, go to medicare to apply a "Letter of eligibility" to avoid pay extra loading and show to the insurance company.

原帖由 LazyBug 於 09-10-14 13:15 發表
剛剛上月在澳洲settle, 想請問一家四口(小朋友讀小學)買medical insurance要注意d乜, 除住院保障外, 還有什麼是必須的？

謝謝！

Birth 15/3: W:4.2kg L:52cm HC:37.5cm
Day 09: W:4.37kg L:55.5cm HC:37cm
Day 46: W:7kg L:62m HC40.5cm
Day 82: W:~9.2kg L:~66cm
Day 112: W:~10.4kg

私人傳訊

LazyBug

男爵府

積分: 5641

3^#

發表於 09-10-15 16:54 |只看該作者

Thanks a lot for your reply.

We moved here under 457, not a PR yet. I learnt from Government website that we can't apply medicare yet.

In that case, should we need a hospital cover even we won't stay at private hospital if needed?

Moreover, both me and C6 are over 30. If we need to get the hospital cover, the "within 1 year we arrived in Australia" is count from the date I landed, or the date I apply (or get) PR?

And, is it correct that I can only have medicare when we're PR.

A bundle of questions, but I'm really confuse as we are new here without friends can ask.

[ 本帖最後由 LazyBug 於 09-10-15 16:57 編輯 ]

私人傳訊

Mrs.Kangaroo

公爵府

積分: 25364

4^#

發表於 09-10-15 19:10 |只看該作者

I see.

You are not covered by medicare if you are here under visa 457. You will pay private charge even you go to public hospital. They are only free for PR/citizen.

You can either get the following depends on what you want.

1) working visa insurance (something like that), without hospital cover, but cover some GP expenses.

2) hospital cover insurance plus extra cover if you want/need. but you will not get the rebate as you are not entitle medicare. also, not sure if you need to pay loading or not. you will have to check it very carefully, most of the staff from insurance company don't normally deal with this situation, so may give you wrong information. suggest you to check with a few insurance company to see if they give you the same answer.

When I got my private health insurance, I was over 30 but within the first year period. I told the broker that I should not pay the loading and he said he would handle and I trusted him but end up they charged me for the loading because I didn't give them the "Letter of Eligibility" issued by Medicare. Well, they didn't ask and I didn't know!!!!

Moreover, for the income tax, as you are not covered by medicare, you don't need to pay medicare levy nor medicare levy surcharge even your family income is over the threshold. Remember July 2010, go to medicare to apply a certificate "Exemption for Medicare Certificate' (something like that) to prove that you are not entitle medicare for period 1 Jul 09 to 30Jun2010 for your tax return, otherwise you will need to pay medicare levy which is 1.5% of your taxable income and medicare levy surcharge which is extra 1% of your taxable income.

原帖由 LazyBug 於 09-10-15 16:54 發表
Thanks a lot for your reply.

We moved here under 457, not a PR yet. I learnt from Government website that we can't apply medicare yet.

In that case, should we need a hospital cover even we won't ...

Birth 15/3: W:4.2kg L:52cm HC:37.5cm
Day 09: W:4.37kg L:55.5cm HC:37cm
Day 46: W:7kg L:62m HC40.5cm
Day 82: W:~9.2kg L:~66cm
Day 112: W:~10.4kg

私人傳訊

ngtft

別墅

積分: 768

5^#

發表於 09-10-16 14:41 |只看該作者

I believe is within 1 yr after you become PR (coverd by Medicare) or before 31st birthday. Then you can avoid the loading.

原帖由 LazyBug 於 09-10-15 16:54 發表
Thanks a lot for your reply.

We moved here under 457, not a PR yet. I learnt from Government website that we can't apply medicare yet.

In that case, should we need a hospital cover even we won't ...