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Health insurance 1yr on


bwatt99

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Im coming upto almost a year since i have been here well since the 1st june,and i think if im to take hospital cover it would need to be before my first year is up right?

Meaning if i dont then im charged more to take it out after the year why is this and what is the difference by what my age is?

It would be cover for myself,wife and daughter.

 

 

Is there a recommended cover,company to use and one that pay out well or companies you find ticks all the boxes.

 

 

They say if your high earner that depends on the jobs i would be working on that you get charged a levy and its wise to have hospital cover why?

 

 

I have heard that the public system is very good and you dont need private and i have heard that people with private would not do without.

We are planning on having another child if in australia then need to factor this in.

Dental would be a big part in the cover also as im getting on im sure i can see some dental issue to come.

 

 

We only have ambulance cover for now and we have never really been much to see gp and if we have its just been bulk billed.

 

 

any sites you can compare,i did look into this when i first arrived but left it there as was so many companies offering so many options and then there is this gap thing whats that all about.

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The levy depends on how much you earn - it doesnt necessarily make financial sense for everyone. The more you earn, the more you pay and a lot of people pay nothing as it is like a tax.

 

The public system is very good, but be aware, just like the UK there can be long wait times. Also, not everything is free in the public and some things can be expensive.

 

Dental cover i think is a must as dental costs are very expensive - my last check up and clean was over $200. But the health insurance brought it down to about $20. If you need major work the the bill can be thousands.

 

There are likely to be some big changes in the coming budget in a couple of weeks time, so it might be better to wait till then

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