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发表于 2017-7-29 19:44
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在privatehealth.gov.au上有下面的说明。我的理解概括为：每个人一生可以有累计1094天没有私保，不影响loading. 如果不在澳洲居住可以暂停或者取消保险，不影响loading.如果是取消了，每次回澳洲90天内没有保险也没有影响，超过90天没有保险就要算在1094天里。
当然实际操作怎么做不清楚，至少得保留好之前有保险的证据，以及之后没在澳洲的证据吧。
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 loading on rejoining private hospital cover. The loading is an additional 2% on top of any previous loading, and will increase by 2% for every year after the 1094 days without cover.
Suspension of membership - if you apply to your health fund to suspend your hospital cover for a short period (for example, to travel overseas for a holiday), and the fund agrees, this period of suspension isn't counted towards your 1094 days of absence. Suspension terms and conditions vary from fund to fund, so check with your fund as to whether you can suspend your policy.
Going overseas - if you cancel your hospital insurance after your Lifetime Health Cover base day in order to go overseas for at least one continuous year, the days you spend outside of Australia aren't counted towards the 1094 Days of Absence. You are able to return to Australia for periods of up to 90 consecutive days, per visit, and are still considered to be overseas. Any periods of 90 days or more which you spend in Australia will be deducted from the 1094 Days of Absence. |
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