Medibank好还是MBF好

riverstone

长知识了，可惜没用过，老实说买了还不知道什么情况下能用，怎么用。

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 ]

kawara

原帖由 jl162401 于 2007-2-15 10:16 发表


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 hosp ...

你没看懂我说什么，我在试着分析为什么excess>500不免mls

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！

招财猫

"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1日买，这个1年cover的时间段应该是 今年3月1日 - 明年3月1日。

而财政年度在6月30日截止，就是说我在2006-2007财政年度内的Medicard Surcharge Levy在这个时候就要交。那么我实际在这个财政年度内花在保险上的钱只有4个月，每月100元，共计400元。

那么我在这个财政年度是否还是要交 800 - 400 = 400 元的Medicard Surcharge Levy？是这样计算的么？请各位大虾指教。 "


是的，你还需要补400元

kawara

原帖由 jl162401 于 2007-2-15 10:37 发表


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！

很多人都是这样的。我很多同事买了根本不用

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。

招财猫

原帖由 jl162401 于 2007-2-15 11:00 发表


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 ...

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

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。

starcraft

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。

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 ]

toMel

想问下，上面的同学有提到31周岁的这个问题，具体是什么？可否给解释一下，我马上就要31周岁了。

astina

31周岁生日前开始买hospital cover,可以终生享受30岁以下的最低premium,不然每年随着年龄增加,将在这个premium上每年递增2%

sayaaz

超过30岁才买， 保费要增加。多一岁加 2%。除非你是新移民，登陆后12个月（？ 不知道记得对不对，问保险公司就知道了。）之内买，超过30岁也不加收保费。

toMel

那我岂不是马上就要买HOSPITAL COVER了。我上周五刚买了FIRST CHOICE EXTRA，这可怎么办。

astina

随时可以change cover的,加钱就可以了.