The price of medical insurance can't be right?
#1
Thread Starter
Forum Regular




Joined: May 2009
Posts: 257
From: Brisbane











I was so surprised at the amount we would be charged for medical insurance that I wanted to post this. hopefully someone can tell me it's wrong and over priced but if not then it may be helpful for those contemplating on a move and concerned about finances.
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
#2
Account Closed










Joined: Jul 2006
Posts: 14,188

I was so surprised at the amount we would be charged for medical insurance that I wanted to post this. hopefully someone can tell me it's wrong and over priced but if not then it may be helpful for those contemplating on a move and concerned about finances.
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
through my employer, is $5200pa. Top cover for three adults and one child.
#3
Our private health is around the $250 a month mark for top family cover with excess and we get it at base rate premiums even though we are over 60. So your L130 a month is ball park correct.
#4
Thread Starter
Forum Regular




Joined: May 2009
Posts: 257
From: Brisbane











Thanks,
Is it true that you will loose a permanent discount of about 20% if you don't enroll for insurance cover within the first two weeks of emigrating?
Is it true that you will loose a permanent discount of about 20% if you don't enroll for insurance cover within the first two weeks of emigrating?
#5
BE Enthusiast




Joined: Jan 2005
Posts: 321
From: Brisbane











There is a time limit for that discount. We missed it as we weren't told about it but I did think it was a bit longer than 2 weeks. I thought it was 2 months for some reason but you need to check it out.
#6
Guest
Posts: n/a
"A loading of 2 per cent on top of a member's premium will apply for each year a member's lifetime health cover age is above 30 when they first take out hospital cover."
The time limit is One year.
#7
I was so surprised at the amount we would be charged for medical insurance that I wanted to post this. hopefully someone can tell me it's wrong and over priced but if not then it may be helpful for those contemplating on a move and concerned about finances.
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
#9
Your GP must drive three porches. Mine cost $10 and 80% of all GP visits in Australia are free. I would say a gap of $30 is more average for those who charge a gap. Point taken though that there a couple of more incidental payments that the NHS doesn't have but not $240/month worth. Still many free GP's, free hospitals, free specialists etc
Last edited by fish.01; Jan 7th 2010 at 11:50 am.
#10
Banned







Joined: Aug 2009
Posts: 2,733











Your GP must drive three porches. Mine cost $10 and 80% of all GP visits in Australia are free. Point taken though that there a couple of more incidental payments that the NHS doesn't have but not $240/month worth. Still many free GP's, free hospitals, free specialists etc
#12
Like a lot of them now they charge $10 at the counter and get the medicare rebate themselves. If yours doesn't it is probably is on the cards.
You never have to pay the full amount up front either. There are other options if you don't have the cash before getting the rebate.
You never have to pay the full amount up front either. There are other options if you don't have the cash before getting the rebate.
#13
Lost in BE Cyberspace










Joined: Jun 2005
Posts: 9,909
From: Oz -> UK -> San Diego











I was so surprised at the amount we would be charged for medical insurance that I wanted to post this. hopefully someone can tell me it's wrong and over priced but if not then it may be helpful for those contemplating on a move and concerned about finances.
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
We were quoted £130 per month (2 adults and 3 children under 6) which is almost as much as our council tax in the UK!
Sorry if this has already been posted recently
#14
Guest
Posts: n/a
Mine is free 
As were all these:
My GP, who bulk bills, therefore no cost, charges $50 for people without a Medicare card.

As were all these:
Bulk billing figures for GP attendances in the December quarter 2008
84.5% New South Wales
79.4% South Australia
77.3% Victoria
76.9% Queensland
73.6% Tasmania
72.4% Western Australia
61.9% Northern Territory
50.6% Australian Capital Territory
84.5% New South Wales
79.4% South Australia
77.3% Victoria
76.9% Queensland
73.6% Tasmania
72.4% Western Australia
61.9% Northern Territory
50.6% Australian Capital Territory
#15
Forum Regular



Joined: May 2008
Posts: 165
From: Canberra











We worried about this when we came out and you do have ayear to make a decision on it....... I would also say though that you are not paying national insurance as such and we seem to pay less tax here than back in the UK so all in all I would imagine it pretty much evens itself out. Also I have to admit I earn at least 5KGBP more here than I did in the UK so it is all pretty relative in way. We know someone who works in the local health authority who told us not to worry about it too much as long as we have ambulance cover.



