如果注册Medicare的周年不在澳洲，Lifetime Health Cover Loading的期限还可以延长一年

halleybachelor

https://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm

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.

If the latter applies to you, your Lifetime Health Cover base day is the 12 month anniversary of your registration for full Medicare benefits (i.e. when you are eligible for a blue or green Medicare card).

However if you are subsequently overseas on your Lifetime Health Cover base day and if you registered with Medicare on or after 1 July 2009, then you will not have to pay a Lifetime Health Cover loading if you purchase hospital cover within 12 months of your return to Australia. The anniversary of your return to Australia becomes your new Lifetime Health Cover base day.

这是官网的说法，是不是可以这么理解：如果我已经年满31岁，2016年1月1日注册Medicare，本来必须在2017年1月1日前购买私人保险，否则就要交Lifetime Health Cover loading。但是如果我2017年1月1日这天不在澳洲，1月2日才回到澳洲，那这个期限就延长到2018年1月2日，只要在2018年1月2日前购买私人保险，就可以免除Lifetime Health Cover loading。

这样的理解正确么？

taotie_ss

是的，另外要去移民局开局international movement record，配合LHC letter 才可以免除loading.