澳洲私人医保回扣制度只对富裕家庭更有利

chubbycat

澳洲私人医保回扣制度只对富裕家庭更有利
【大纪元3月14日讯】(大纪元记者海德编译报道)最新调查结果表明，富裕家庭是纳税人支付的25亿澳元私人医疗保险回扣计划的大赢家。

调查发现每年有超过10亿元流进了那些年收入超过7万元的家庭，而并没有鼓励那些“穷困家庭”来加入保险行列，因此富裕家庭才是这项制度的最大受益者。

这项由澳大利亚独立机构－－AustraliaInstitute做出的的分析报告称，自回扣制度施行以来，回扣金总额逐年攀升，这中间伴随着保险费的增加，2002年平均上涨了21%。据摩根调查机构从2003年晚些时候开始的对56,334人的直接访问调查结果，几乎四分之三的回扣金是由年收入超过5 万元的家庭享受的，而有一半的投保家庭年收入过7万元。

AustraliaInstitute执行主任汉密尔顿（CliveHamilton）说：“这是给中产阶级投票者的贿赂金，仅此而已。”“这不是在解决澳洲的医疗保健所需。无论怎么看，30%的医疗保险费回扣是差劲的制度。”

另一方面，卫生部长艾伯特（TonyAbbott）却认为30%的私人医保费回扣制度使许多家庭投保变得更现实，同时，也减少了公立医院的轮侯人数。

澳洲政府拥有的私人医疗保险公司MedibankPrivate的一项研究发现，2003年在私人医保险费折回扣上每投入1元，即可替那些没有参加私人医保纳税人增加的医疗费中省下2元。艾伯特的发言人称，30%的回扣相当于平均每户家庭$850一年，以及100万年收入低于2万的澳人能买私人医保。

反对党医疗卫生事务女发言人吉拉德（JuliaGillard）表示，调查结果证明了当初工党对回扣制度的忧虑不无道理，但是，她并没有说明他们具体的改善方案或限制回扣金额的办法。

江苏小伙子

Please explain 私人医疗保险回扣计划?

chubbycat

The Federal Government 30% Rebate covers nearly all private health insurance products including hospital and extras.

The 30% rebate makes private health insurance more affordable and accessible, giving more Australians the choice and peace of mind that goes with having private health cover.

If you are eligible for Medicare and have private health insurance, then you are entitled to the 30% rebate.

Medibank Private Overseas Student Health Cover or Overseas Visitors Cover does not qualify for the 30% rebate.

The rebate equals a 30% discount on private health insurance premiums and is not means tested or capped.

The 30% rebate replaces the Private Health Insurance Incentives Scheme (PHIIS).

It is not the Government's intention to see any person with private health insurance less generously rewarded in moving from PHIIS to the 30% rebate. You can elect through your fund whether you wish to continue to receive the full value of your present PHIIS entitlement if you would be less generously rewarded under the 30% rebate.

Regardless of how you pay your premiums, whether in advance or by instalment, you have the choice of claiming your 30% reduction as a reduced premium directly from Medibank Private, as a tax rebate when lodging your tax return, or as a direct payment from Medicare offices.