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Baby Kingdom - 親子王國香港討論區 › 首頁 › 國家地區媽媽會› 有了澳洲medicare，應否繼續供香港的醫療保險？ ...

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[澳洲] 有了澳洲medicare，應否繼續供香港的醫療保險？ [複製鏈接]

puib

大宅

積分: 1507

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發表於 09-3-23 00:40 |只看該作者 |倒序瀏覽 |打印

想請教各位oz的媽咪，你們取了medicare之後，還有繼續供香港的醫療保險嗎？因為我不清楚medicare的保障範圍有幾大。抑或，要買醫療保險，都去到澳洲再買？

謝謝

0 0 0

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Mrs.Kangaroo

公爵府

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發表於 09-3-24 12:41 |只看該作者

原帖由 puib 於 09-3-23 00:40 發表
想請教各位oz的媽咪，你們取了medicare之後，還有繼續供香港的醫療保險嗎？因為我不清楚medicare的保障範圍有幾大。抑或，要買醫療保險，都去到澳洲再買？

謝謝 ...

I recommend you to check if your 香港的醫療保險 cover Australia medical expenses first!

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

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puib

大宅

積分: 1507

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發表於 09-3-24 16:07 |只看該作者

Thanks. The medi insurance I bought in Hong Kong should be worldwide applicable, as said by my agent. However, I just concerned whether the medicare provided by Oz gov't is complete enough that allowed me to cut the current insurance. So, any suggestions?

原帖由 Mrs.Kangaroo 於 09-3-24 12:41 發表

I recommend you to check if your 香港的醫療保險 cover Australia medical expenses first!

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錢錢媽

子爵府

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發表於 09-3-25 13:06 |只看該作者

It is hard to say. In general, medicare only allows you to use public hospitals. In these days, public hospitals have limited resources (not enough bed, nurses, doctors etc).
If you are going to stay in Australia for a long time, I would suggest you to get a health insurance in Australia. It includes maternity services as well. Also, most of the cases, Aust Gov will pay part of your premium any way. You'd rather start using the private health insurance sooner than later, or there will be surcharges after 1 (or 2?) year after obtaining your PR visa. It is pretty complex. Check on the goverment web site for details.

However, the premium of private health fund is getting more and more expensive. I am paying $180 (for the whole family) a month now compared to $150 only 3 years ago.

Hope that helps.

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vanessamom

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發表於 09-3-25 16:24 |只看該作者

Which private health insurance you bought? Is it very popular for people to buy at Medi-mdf (I forgot the name)?

Ths!

原帖由 錢錢媽 於 09-3-25 13:06 發表
It is hard to say. In general, medicare only allows you to use public hospitals. In these days, public hospitals have limited resources (not enough bed, nurses, doctors etc).
If you are going to s ...

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錢錢媽

子爵府

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發表於 09-3-26 03:26 |只看該作者

hi vanessamom

I have Medibank Private.

:) I change glasses and visit dentist every year to try to use the most of the fund.

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puib

大宅

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發表於 09-3-26 23:19 |只看該作者

Thanks a lot. It's a little bit complex as you said. I have a little bit confusion. Why would I be charged for subcharge if I miss the purchase in the 1st (and 2nd) year time after obtaining PR?

And, as you mentioned, the premium for health fund is really significant.

原帖由 錢錢媽 於 09-3-25 13:06 發表
It is hard to say. In general, medicare only allows you to use public hospitals. In these days, public hospitals have limited resources (not enough bed, nurses, doctors etc).
If you are going to s ...

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錢錢媽

子爵府

積分: 14093

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發表於 09-3-27 12:28 |只看該作者

I don't think I have explained this well.

The surchage that I mentioned is actaully called Lifetime Health Cover (LHC) loading. This only applies if you join a private health fund. Check this out. This loading is like once you are over 30, you might need to pay extra % on the premium. There are conditions that you don't have to pay the extra % - join the health fund within 1 year after obtaining the PR visa. For details, please check the government website. I might be wrong.

If I am not wrong, it is like if you are 40, you will need to pay an extra (40-30)x2% = 20% of the premium then. So, if you want to join the health fund, you'd better join it sooner than later.

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Mrs.Kangaroo

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發表於 09-3-27 16:13 |只看該作者

have a look from the following link regarding the loading.

http://www.health.gov.au/internet/main/publishing.nsf/Content/health-phi-fact27.htm

For my understanding, the one year period is started from you obtain medicare card, not PR granted.

You will need to provide your health fund a "Letter of Eligibility" issued from Medicare to prove you are within the first year period.

However, if you are under 30yo, Lifetime Health Cover is not applied.

原帖由 錢錢媽 於 09-3-27 12:28 發表
I don't think I have explained this well.

The surchage that I mentioned is actaully called Lifetime Health Cover (LHC) loading. This only applies if you join a private health fund. Check this out. ...

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

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puib

大宅

積分: 1507

10^#

發表於 09-3-29 00:55 |只看該作者

Dear Mrs.Kangaroo & 錢錢媽,

Thanks for your information!! I learnt one more thing from you!

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vanessamom

伯爵府

積分: 17531

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發表於 09-3-30 11:26 |只看該作者

Thanks!

原帖由 錢錢媽 於 09-3-26 03:26 發表
hi vanessamom

I have Medibank Private.

:) I change glasses and visit dentist every year to try to use the most of the fund.