I'm on a 457 visa. I currently have no private healthcare insurance as have the reciprocal medicare health care so choose not to.
I do however earn just over $100k so it may make sense for me to get some kind of healthcare if it will cost in the region of $1000(-+500) for the year and can avoid the medicare levy SURCHARGE of 1%. So I either want some extra cover as compared to medicare or a saving on the surcharge so I get some more cash in the pocket.
I did look into this at one point but found it hard to find a policy I could get as a non permanent resident that wasn't in excess of $2000. I also believe that the 30% govemnet rebate is not applicable as a non PR. Correct?
So does anyone have any experience on this?
nib seems to offer the 'basic saver' policy that is advertised as avoiding the MLS for $955. Last time I spoke to them I couldn't get a straight answer if it was suitable for me however and said I may also need the overseas cover provided by IMAN.
I also can't work out if that actually gives me anything useful in addition to the reciprocal medicare.
Also if I got this this financial year and paid for the whole year going forward could that be offset against this years MLS or is it prorated for the cover period in this financial year?