Medibank好还是MBF好

jl162401

我一个人，太太还不是PR，目前是国际学生，需要马上办TR申请，我们没有小孩，但打算明年生一个，呵呵。下个月我就满31了，所以要赶紧买个私人保险
我没有什么疾病，牙齿还行，在国内没有看过牙病，就洗了次牙齿，眼睛是近视，200度

大家觉得我应该买什么保险，主要为了免1%Medicard Surcharge Levy,是不是我只要买了hospital cover，就可以了，保费高好还是如何?

另外是选择medibank还是mbf，最近medibank好像在搞活动，可以免2到6个月的waiting period，MBF我还没有仔细研究。

哪位大虾指导一下，兄弟这种情况该如何选择？

先谢谢了！

jl162401

忘记哪个网站可以做比较的，好像看到过

jl162401

啊，我知道这三家都不错的，但具体到我这个case，应该是哪家是不错的选择呢

保险是买了就好，还是要买贵的，不买贵的，也要补足medicard levy surcharge和保费的差额吗？

jl162401

如果我一个人买，也是买130－150左右的？是MBF不？

jl162401

你是说要买一年保费超过1%的 Medicard Levy Surcharge的？

jl162401

If you fit into one of the above income categories, or will in the near future, take out MBF hospital cover with an excess no greater than $500 per person, which covers you, your partner and all your dependants, and you won't have to pay the additional 1% Medicare levy.

上面的意思是说，如果你买no excess（保费高）到excess 500的（保费低），都可以，但不能买excess 1000的，保费太低，不能减税，是不是这个意思啊

jl162401

原帖由 riverstone 于 2007-2-15 09:29 发表



我就买EXCESS 1000的，可以把保费减低点。我汽车方面保险也是买EXCESS 1000，也是这个原因。

† Please note that choosing an Excess of $1,000 will not help you avoid the additional 1% Medicare levy surcharge.

老大，你这个不是不能减税啊

jl162401

原帖由 招财猫 于 2007-2-15 09:23 发表
比如你的工资8w，买了一年的myoptions $677一年，你还是要补800-677=$123的

这个有没有官方的文件说明一下啊，我觉得我看到的说法都不一致啊！

jl162401

对的，我是1月22日上班的，应该不会超过5万，我主要是想赶上31岁前的末班车啊，呵呵。如果我从收入里面选了5%作为养老金的话，这部分
钱应该不计算到我的taxable income吧？

jl162401

原帖由 kawara 于 2007-2-15 09:48 发表


very good English:si71

真不好意思，那英文是MBF写的，不是俺的，

jl162401

Tax Advantages
The Federal Government will ask you to pay an additional 1% Medicare levy if you have a taxable income and reportable fringe benefits of more than $50,000 a year for a single and $100,000 a year for couples and families with one child (threshold increases by $1,500 for each additional child) and don’t have appropriate hospital cover for you, your partner and all your dependents.  This means that your Medicare levy could increase from 1.5% to 2.5% of your taxable income.  You can avoid this additional levy simply by taking out MBF hospital cover with $0, $250 or $500 Excess. Please note: that MBF applies the Excess once per person to a maximum of twice per membership, in a calendar year.  Taking out any MBF hospital cover with $1,000 Excess will not enable you to avoid the additional 1% Medicare levy.

jl162401

哎，同感啊，我一登陆就开始工作，公司给了一大堆文件要签，也不说明如何选择，都需要不断了解，研究啊！

jl162401

原帖由 kawara 于 2007-2-15 10:13 发表
medibank ，hcf都没有excess>500的选项。

这个excess的意思是不是说：

你住院以后这部分钱要先自己出的，保险公司不管。

如果excess越高，你的保险会越便宜，但是因为如果住院会先掏不少钱，人们仍然 ...

买了excess<=500的就可以了，你选择公立医院还是私人医院没有关系的，关键看你买了没有私人保险，去不去看随你，私人医院不是不要花很长的时间排队吗

下面是ATO的说明：
What is private patient hospital cover?
Private patient hospital cover is cover provided by an insurance policy issued by a registered fund for some or all hospital treatment provided in an Australian hospital or day hospital facility. However, if you take out an insurance policy for hospital cover after 24 May 2000 that contains an ‘annual front-end deductible’ or excess of more than $500 in the case of a policy covering only one person, and more than $1,000 for all other policies, you will not be considered to have private patient hospital cover. The same applies to an insurance policy for hospital cover with a high front-end deductible or excess taken out before 24 May 2000 that ceased to provide continuous cover after that date.

If you made a payment to cover a shortfall in the cost of hospital treatment, other than the excess agreed in your policy, this is not a front-end deductible or excess. Your health fund may include details of the level of front-end deductible or excess that applied to your policy in the private health insurance statement that it sent you.

Your health fund statement will indicate the maximum number of days that your policy may have provided an appropriate level of private patient hospital cover at A.

Travel insurance is not private patient hospital cover for MLS purposes. Private patient hospital cover does not include cover provided by an overseas or unregistered fund.

jl162401

我的case比较特殊,我不是一整年报税，不知道如何算，50000是按照全年算的，说不定也要折算的，就是说如果5个月，就应该按照(50000/12)*5的门限去看你是否要交纳medicare levy surcharge? 可能不是这样的

另外，我下个星期结婚，我太太不是PR，不知道如何算，是按照family算的话，06到07的收入肯定不会超过family的规定100000,但好像买私人保险，必须要有medicare的，我太太目前还是用oshc的保险。

How is my Lifetime Health Cover premium affected if I want to change from a single policy to a family or couples policy?
If in the future you decide to take up family or couples cover, there is no problem doing so.
The premium that you pay for your family/couples cover will take into account your certified age at entry as well as your spouse's certified age at entry. The couple or family premium is calculated by dividing the base rate premium by the number of adults on the policy and applying each adult's loading to their proportion of the premium.

So the loading you were paying on your singles cover will now be applied to your proportion of your new couple or family policy. For example, if you joined hospital cover before or during the Introductory Grace Period there would be no loading applied to your half of the family premium. Let's say your spouse, on the other hand, has a Lifetime Health Cover age of 40 and has never had private health insurance in the past. They would pay a 20 per cent loading on their half of the family premium. If the premium for family cover is $1000, the health fund will put your half, $500, and your spouse's half, now $600 ($500 plus 20 per cent of $500 = $600) together and the premium for your family cover would be $1100.




另外关于life plan的问题，我好像发现有几个情况只要你符合就可以了
1。你31岁生日后的7月1日（含）买就可以免
2。你的medicare的第一年

具体的我要找到官方文件再告诉大家
Migrants who become eligible for Medicare on or after 23 April 2004 do not pay a Lifetime Health Cover loading if they purchase hospital cover by the later of:
the 1 July following their 31st birthday, or
the first anniversary of the date they became eligible for Medicare.
http://www.health.gov.au/interne ... fect.htm#migrated_0

[ 本帖最后由 jl162401 于 2007-2-15 11:53 编辑 ]

jl162401

原帖由 kawara 于 2007-2-15 10:27 发表


你没看懂我说什么，我在试着分析为什么excess>500不免mls

哦，我又看了一遍，明白你说的意思了，呵呵，就是说买个保险，实际上根本就不用啊，呵呵！

jl162401

原帖由 招财猫 于 2007-2-15 10:50 发表
"我有与楼主同样的问题。比如年薪8万，1%的Medicard Surcharge Levy是800元。

如果我现在买一个Medibank的保险，保费是每年1200元，超过800元，应当说就不用付这1%了？但是，举例说明如下：

如果我3月 ...

兄弟，你这个补充金额的规定，有没有官方的链接啊，我觉得你的说法不对啊，只要你买了hospital cover，然后你的excess小于500,就应该可以了，便宜与否取决于你的需要，不应该补充差值的，能否仔细说明一下，这个问题很关键的！

jl162401

我决定中午去看看，medibank和mbf，比较一下。

jl162401

原帖由 招财猫 于 2007-2-15 11:06 发表


我不知道有没有官方链接，但我自己补过，只要总数过了5万就要charge 1%，如果你只买了半年的保险，另外半年就要charge 总工资的1% * 1/2

这个是对的，买半年保险是需要补的，这个ATO上有说明的。 看这个例子。

Ashley is not married and has no dependants. In 2005–06 he had a taxable income for MLS purposes of $59,000. He was not in a Medicare levy exemption category at any time during the year.

Ashley took out private patient hospital cover on 15 December 2005. Because Ashley’s taxable income was above the single surcharge threshold of $50,000 and he did not have private patient hospital cover for the full year he will have to pay MLS for the part of the year that he did not have private patient hospital cover.

Ashley will not have to pay the surcharge for the time he had private patient hospital cover – 15 December 2005 to 30 June 2006 (198 days).

Ashley will write the number of days in 2005–06 that he is not liable for the surcharge – 198 – at A item M2 on his tax return and complete Private health insurance policy details on page 4 of his tax return.

我的意思是说如果你买一年的，但你的一年保费的总额和Charge 1%有差额，这个应该不用补的吧。

jl162401

原帖由 starcraft 于 2007-2-15 11:27 发表
http://www.iselect.com.au/cds/pages/page_home.jsp

这个网站可以比较一下， 个人是用MEDIBANK 的 MYOPTION，因为LZ打算要小孩而且 但是每个家庭的情况都不一样。

所以LZ最好是自己比较一下。

不错，先谢谢了，去了medibank问了一下

最近搞活动，extra cover的waiting period全部都免，要买hospital cover，hospital cover的项目不免waiting period

去mbf，一个长得很像中国人的mm要我排队，我看了人家排队的都是等着报销的，看了看时间，不早了，不排队了，我准备买my otpion恕?

想问一下，如果我太太刚刚拿到partner visa，是TR（要两年才能成为PR)，是否可以使用medicare，如果可以才可以买私人保险，否则不行的。

Visa Type What You Can Do In Australia
Spouse temporary visa (subclass 820)
remain in Australia with your spouse, until a decision is made regarding your permanent visa
work in Australia
study in Australia, but you will not have access to government funding for tertiary study
enrol in Australia's medical benefits expenses and hospital care scheme, Medicare.

刚刚研究好，有medicare，可以买保险，呵呵，很好！

[ 本帖最后由 jl162401 于 2007-2-15 14:03 编辑 ]