krestsaf

hi all
any recomendations for health insurance policies?

my partner will have a pre-existing medical condition and will we have to pay for health insurance or our employer?

yes, we get recipricol health care as do at the moment as are uk citizens

all advice of companies welcome!
thank you in advance

saf x

JAJ

Your employer should cover medical costs, as far as I know, but many employers try to avoid their obligations.

You've asked variants of this question quite a few times now, I really strongly recommend you find a good migration agent to discuss your options.

looky

I use medibank private on a 457. I think there might be other health insurance company which are cheaper for health insurance on a 457.

TillyG

We went with IMAN and the top-level premium (for a family and incl pregnancy) was $416 per month. There was a 12mth wait for pregnancy stuff and I think there was either a 12mth wait for pre-existing or it wasn't covered at all (it's not something that applied to us).

DH's company didn't pay towards the premium until we started the process of going PR - when they started paying half of it (just in DH's expenses each month). We did have the LAFHA though (which was $15k per year extra "tax free" allowance) so I guess it was swings and roundabouts really.

Gems

Yes, usually a 12month waiting period for existing medical conditions.
However we have found the medicare agreement covered conditions any way. So you wont be left without care even if you have a 12month wait.
Just use public hospitals/bulk billing GP and medicare agreement card.

Gems

rodly

Hi

I am in the same position and have found this company http://www.hba.com.au/public_insuran...or_singles.htm which does cover for overseas visitors on 457 visas. It is owned by BUPA. I have not bought insurance with them yet, as I am trying to get my husband's employer to meet their obligations and provide us with adeqaute cover. Good luck with it!

s1mon321

We went with IMAN in the end.

I have a pre-existing condition which isn't covered by our policy. It was touch and go as to whether I would have to pay full price for my medication over here which would've battered me financially.

Fortunately the doc over here was great and made sure that I could have it subsidised! Result, I pay about the same as prescription charges back in the UK.

Don't get any free check-ups over here (good old NHS) but occasionally pay for a blood test for piece of mind.

No probs.