关于Medicare Levy Surcharge和Lifetime Health Cover loading

从北到南

Who pays Lifetime Health Cover?

If you do not have hospital cover with an Australian registered health fund on your Lifetime Health Cover base day and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your premium for every year you are aged over 30.

In most cases, your Lifetime Health Cover base day is the later of 1 July 2000 or the 1st of July following your 31st birthday.

For example, if you take out hospital cover at age 40 you will pay 20% more than someone who first took out hospital cover at age 30. The maximum loading is 70%.

Once you have paid a LHC loading on your private hospital insurance for 10 continuous years, the loading is removed. Your loading will then remain at 0% as long as you retain your hospital cover; or, if you cancel your cover after the loading is removed, as long as you do not exceed your permitted days without hospital cover (see below).

www.privatehealth.gov.au/healthi ... timehealthcover.htm

从北到南

Maximum loading 70%跟抢钱差不多，而且这个loading还不享受政府的rebate。

如果收入到的话那没得说一定要买，不然会被收从1%、1.25%或1.5%的medicare levy surcharge，三个坎$90000、$105000、 $140000，家庭这个数乘二，每个小孩再加个$1500。

个人觉得要不就这辈子都不买，要不还是在三十一岁生日后的第一个七月一日前买。

从北到南

黑猫白猫 发表于 2015-8-27 14:47 [url=http:/www.oursteps.com.au/bbs/forum.php?mod=redirect&goto=findpost&pid=23358518&ptid=1077742" target="_blank">
请问，可不可以30岁之前买上。然后等两个月就取消，再在三年内重新买就不会有loading？这个没保险的三年 ...

从base day 开始之后才能算入这个三年，base day 如何决定如下:

Permitted days without hospital cover

If you have taken up hospital cover on or after your Lifetime Health Cover base day, then you can access the following 'permitted days without hospital cover' during which you don't have an active hospital policy, but your loading does not increase. For most people, your base day is the later of 1  July 2000 or the 1 July after your 31st birthday.

Gaps in cover - to cover small gaps, such as switching from one fund to another, you are able to be without hospital cover for periods totalling 1094 days (i.e. three years less one day) during your lifetime, without affecting your loading. This is known as 'Days of Absence'.

If you use up your Days of Absence - that is, you have a total gap period of 1095 days - you will pay a 2% loading on rejoining private hospital cover. The loading will increase by 2% for every year after that without cover.


新移民的base day:

If you are a new migrant to Australia, then you have until the later of 1 July following your 31st birthday or the first anniversary of your full Medicare registration to take out private hospital cover without incurring a Lifetime Health Cover loading.

以上都是“纸上”看来的，想知道这个的最好办法就是上Private health provider 网上填个quote，或者找他们的online chat.