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Found 56 results

  1. Hi We are travelling to Perth this Sunday and looking at travel insurance. I am aware of medicare but didn't look into it much. I have now seen on some posts that there is no need for travel insurance. I will be working on a whv and my gf will be on a tourist visa. If things work out we may stay on and hopefully get sponsored with the construction companyill be working with . Please accept my apologies if this has been answered umpteen times - but we just need to know if it worthwhile forking out a couple of hundred pounds each for the annual cover? If not please can you confirm the medicare procedure and level of cover we would be granted. Thanks for any of your help Paddy
  2. Hi All Maybe I'm naive but I have never ever come across this in the UK. I'm in childcare and I was really sick just before my shift started before 7am in the morning. Now you have to be 'clear' for 24 hours before coming back to work, when working with children. When I called my boss to say I was ill, I was told that I had to find someone to cover me. What! Sorry?! I've never heard of this, wasn't advised when I started the job. But I didn't have phone numbers or details of colleagues who have a day off - hopefully waiting and willing to drop everything to cover for me on their precious day off. So has anyone else had this happen to them? Where is the NSW employment law that says a sick employee HAS to do this instead of the management? I'm not in a union or anything and to be honest if I was I'm sure my bosses would find a way to get rid of me. I can't believe this happens in Australia - one on hand I understand this sort of thing can be a problem for a small company but companies employ real people who do get sick, so this surely should be factored into their business plan. Anyhoooo any help, advice and/or constructive feedback would really be appreciated as this is my first job here. BEGal
  3. ilovemilkymoos

    Agency CV Cover Letter?

    Howdy all, Looking for a little bit of advice with regards to applying to agencies for work. I'm a qualified engineer and myself and wife are heading to Sydney in April 2012. Been looking at jobs but have'nt anything lined up yet! I was thinking it was a bit early, but I'd rather be on top of things than not! Anyway, i'm looking to send my CV off to some engineering agencies, but i want to highlight that - 1. We are emigrating on a permanent basis on a PR175. 2. That i will be available for interviews/meetings from the 11/04/2012. As i'm not applying for 1 specific job that is advertised, i'm not 100% sure how to go about the format or context of the cover letter? Any advice or help is greatly appreciated. Johnny.
  4. Guest

    Noble Dentist Cover

    Just wondered if anyone had heard or joined Noble Dental Cover - on-line service - offering discounts for dental - single or family membership instead of private health cover - was going to join as we decided not to take private health insurance out but have since heard some bad reviews - thought would ask 'real' people out there! Also if anyone has any recommendations for a dentist around Welly Point please. Thanks, Claire
  5. Scarby

    Orthodontist Cover WA?

    Hi, We have just moved from the UK to Perth, my son is only 9 but I know in the future he is going to need braces fitted, I have been trying to look into dental cover but not sure whether orthodontal treatment is covered, or can you just pay for the treatment in installments when its being done? Any info would be great thanks, Celia
  6. Hello, my hubby and me are going to move to Australia in February 2012. I've read here that some immigrants/tenants provide a cover letter like an introduction letter of themselves to the real estate agent or landlord. Mostly tenants in overcrowded cities do because they don't want to be forgotten with 30-40 applications on one house only. They write 1 or 2 paragraphs about themselves with a nice photo. My question is what details do you put in such a letter? Name, age, marital status, but how did you write it in detail? We are moving to Australia because...We want this house because... Thanks a lot for any advise!
  7. Hi, I have written some templates and advice over at http://www.dolecave.com that I think could be useful to this community, as well as some interview techniques. Let me know what you think. John.
  8. Last weekend I bumped into a couple from Liverpool who have been here in Brisbane for 6 weeks. After a short chat they said that they are going back at Christmas time. It turned out that even though they very much like it here in Brisbane, the cost of medical care for their young daughter, who suffers from arthritis, is prohibitive. All their possessions are arriving shortly but luckily, they said, they have not sold the house and they can get their jobs back when they return. However, they will suffer relocation costs back and forth. This sad story has prompted me to reveal the facts that are not talked about in any relocation shows, magazines, books or agents – medical costs in Australia. RECIPROCAL HEALTH AGREEMENT First of all, the good news is that private health insurance is not compulsory for British citizens as we have a reciprocal health agreement between UK and OZ. You will only pay 1.5% medical levy from your salary for a state provider Medicare. You can apply for a Medicare card at a Medicare office on arrival, you just need to show your passport with a visa and provide your address. This will entitle you to all state health care same as residents including hospital treatments but not ambulance. See about Medicare here: http://www.medicareaustralia.gov.au/ . Your employer, however, might provide you with or insist you get a private health insurance initially until you register for Medicare. After that it is your choice to have it or not. PRIVATE HEALTH INSURANCE However, if your salary exceeds $77,000 per single or $154,000 per family (plus $1,500 per additional child after the first child), you will be either charged an additional 1% medical levy surcharge or you have to take out a private medical insurance. As a PR, you can choose any health provider and opt for any level of cover, which depends on amount of contribution, not on your medical history. If you are a temporary resident on, say, business visa, you are restricted to major providers with specific (and more expensive) covers for overseas visitors, such as Medibank, MBF, AHM, BUPA, HIF. You can choose to have hospital cover only but many people take out additional extras cover for dental, optical and various alternative treatments which are not available on Medicare. Those who do not need a private medical cover can take out extras cover only – especially for dentists (read more about this one later). Extras Cover is the same for residents and visitors. There is age loading for hospital cover – that is, the older you are the more it will cost if you are over the age of 31 and you have not taken it within the first year of registering for Medicare. The loading increases 2% a year to a maximum of 70% and once attracted will apply for 10 consecutive years. Read more about this here: http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm'>http://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm Those eligible for Medicare are entitled to Federal Government Rebate of 30% of the cost of health insurance. Please note that there are annual cost limits for treatments and there is an excess to pay each time depending on the level of the cover chosen. As well as waiting times for cover of major treatments. More about private health insurance here: http://www.privatehealth.gov.au/ . STATE HEALTH INSURANCE Despite what some members say about bulk-billing (free) GPs and doctors, they are like gold dust. There are certainly none in the city with some very rare exceptions for under 16-s, pensioners and those on benefits. There are some in underprivileged or rural areas but not in the cities. Everybody I have spoken to here – locals or foreigners – all pay for their GPs. It is very difficult to find a bulk-billing GP and even then you may not qualify. GPs charge about $65 per visit, double that at the weekend. You get about a half of it back with your Medicare card. You also pay for tests, x-rays and routine treatments including materials and medications. Specialist doctors that you might be referred to also charge $150-200 per consultation with additional fees for tests and treatments, which will cost about the same again. You will get about half of it back through Medicare but there will almost always be a gap payment. This may not sound too bad for those fortunate ones who hardly ever visit a doctor but for those who are older or with chronic conditions this soon adds up! Also, you need to visit a doctor for repeat prescriptions (and pay for a visit), they do not take it over the counter or over the phone. There are PBS (subsidised) and private prescriptions. Cost of PBS subscription vary from about $10 to $34.20. A lot of prescriptions are not on PBS though, even some regular drugs. Private prescriptions can be very expensive. Once you have spent over $1317.20 per year you pay only $5.60 for prescriptions. More about this here: http://www.medicareaustralia.gov.au/provider/pbs/index.jsp . If your medical expenses exceed $2,000 per year you can claim 20% tax rebate on most medical expenses over that amount. This includes gap payments and prescriptions. AMBULANCE AND EMERGENCY Medicare does not cover ambulance services. You have to pay for an Ambulance Cover, which is variable (about $100 per year or so). In Queensland it is added to your electricity bill, so you don’t have to take it out separately. If you don’t have it you might find yourself paying nearly a thousand for a call out. If you go to the A&E department yourself, their services are free for Medicare card holders. DENTISTS Now the bad news. There are no state funded dentists in Australia, they are all private, even for children and their prices appear to be unregulated. Their charges are extortionate and on average 3-4 times more than private dentists’ in the UK. See average dental prices here: http://www.privatehealth.gov.au/healthinsurance/whatiscovered/averagedental.htm . An endodontist consultation can cost $300 and a specialist root canal treatment for one tooth $3,000 – and this is not including $1,500 for a crown that you will need afterwards. There is no separate dental insurance, it is included in Extras Cover of your private health insurance along with other items. As with hospital cover, in the majority of cases there is a gap payment for every treatment depending on the level of cover and whether you use a dentist approved by your insurance provider or not. Again, there are annual spending limits for every type of treatment and waiting periods for major dental work like crowns, bridges, root canals, braces etc. I hope I have covered the majority of information about medical care for British immigrants and temporary residents. You can find more details following the links provided. I know this topic will cause a lot of controversy and arguments, so if you are young, healthy and childless, not in OZ or have lived in OZ for a while, please leave this thread, it is not for you as you either will not or have not experienced the full impact of mounting bills of a chronic patient or you have had a free doctor for years – an option not available to a regular average new immigrant any longer. However, additional information and clarifications are welcome.
  9. G'day people.:cool: Me & my girlfriend are moving out to Maitland NSW on the 22/08/11.:laugh: I will still have my house in the UK that I own but I'll be renting it out until we decide where our future will be. I thought that I would do the right thing & let my mortgage protection provider know of my future plans to be on the safe side, but they told me that they won't be able to cover me as I won't be living in the house in the UK.:arghh: Has anyone else on here come across this problem? If so how did you get around it or who did you find to use to protect you in the unlikely event you lost your job in Australia for some reason? I want to still be protected on my UK property as you don't know what is round the corner. Thanks for any advice it would be very much appreciated. Marc.
  10. Dear all, I have been recently offered a job in Australia and we are thinking of moving down under. My wife is expecting so she will not travel with me immediately. Now as per 457 visa requirements, I need to have private health insurance cover. When I was researching for insurance companies, I found that almost none of the policies mentioned about baby care and costs involved in vaccinations , routine check ups for baby etc. I do not know whether any of the policies would cover that. As of now, I will be moving alone and my wife will join me later. But I would like to go for health fund that can easily add dependants when my wife and baby arrives. It would be a great help if I get some info about policies suited for child care. Regards, SumVar
  11. robfromdublin

    Healthcare cover on reciprocal Medicare

    I am so confused about this so I hope someone can help me out. I am on a 457 and before coming out got an overseas visitor health insurance policy. Once I registered with Medicare I let this lapse. Now I want some sort of health cover to insure me against health problems not covered by Reciprocal Medicare. Obviously, the overseas visitor cover is a replacement for medicare, so that isn't suitable. And 'normal' policies for Australian citizens won't cover me for the gap between citizen's Medicare and Reciprocal Medicare. I see other people want it so they don't have to pay the Medicare Surcharge Levy, but I earn less than $77k so that doesn't apply. Is there a policy out there for people on Reciprocal Medicare? Is there anything that Medicare covers that Reciprocal Medicare doesn't? Any help would be appreciated, including links to previous threads if its been covered. Didn't see any that gave satisfactory answers when I searched.
  12. We are two weeks to the day into our 457 visa process. We took out private medical insurance on the 23rd of June which starts on the 8th of August. We decided on this date as it would be the absolute earliest we could have feasibly left 2 weeks for visa processing (we wish) and 4 weeks notice with current employer. My question is, if my medical insurance doesn't start til the 8th of august, will this delay the visa approval process until it does?
  13. Hi everyone I wonder if anyone can help with a query we have... We are currently in Australia on a 475 visa, and should be in a position to apply for PR next year (subclass 887). Can anyone advise what factors can affect a successful PR application? eg> * Lots of medical prescriptions? * A legal personal injury claim against Work Cover? Is there any potential for these to have an impact on our 887 application? Is this something DIAC would have knowledge of or even look at? Any advice much appreciated. Thanks very much! KC
  14. Scarby

    What does Medicare Cover?

    Hi, forgive me for being daft but can't seem to get my head around what medicare covers, is it like the NHS or do you need to have private health care? I am currently in the process of getting a small hole in the heart fixed before we emigrate in October and will need to see a consultant on an annual basis, would this be covered my medicare or would I have to pay for a consultant? Thanks Celia
  15. Guest

    Application Cover Sheet

    Is the "Application Cover Sheet" a letter I make up myself??? or is there a set format for it??? or an actual form somewhere??? I have looked & looked on the SA website but cant find anything other than it needs to be witnessed... If it is a letter I make up myself... does anyone know what I am supposed to put on it other than my application reference???
  16. cartertucker

    Which medical & dental care cover?

    Which medical care is recommended for when we move over? I would need it for 3 adults ~ 1 child & an infant I would like it to include dental cover too Please help ~ I have no idea where to start? :confused:
  17. Wonderingaloud

    JUST dental cover on temporary visa?

    All I want to know is if, as a temporary resident of Australia (on 457) I can get JUST extras health cover ie dental. I don't want the hospital cover, as enrolling with Medicare is enough for us as a young, generally well with no medicals problems-type- couple. Thanks:smile:
  18. does anybody know how much health cover costs? do u have to pay for doctors etc :cool:
  19. Guest

    Cover Letter to get 457 Visa

    What do you think is better about cover letters to find a sponsored job? :biggrin: 1 To write directly that you are looking for a sponsor 2 Write nothing about sponsorship, is better to say in the interview I am Electronic Engineer living in Australia ( Engineer Australia Registration), so I was wondering wich one is the best way ....
  20. Guest

    Health cover

    Hi all,Im trying to work out what cover we will need and also how much it will cost.So far looking at sites it looks like $500 per month.I don't waant to sound tight but for a healthy family that does sound high.Hubby is 35 im 32 and have 3 children 13,9,8. We are all very healthy take no meds (my daughter wears glasses)Is there anyone with a similar situation that could give me an idea of monthly or annual costs.Thanks
  21. ausdreamer

    Materials that cover your body!

    Where do you like to buy your favourite clothes from?
  22. Evening everybody, just wondered if anybody could advise me on how to write an australian resume and cover letter along with the best way to get it recognised. Im gas fitter, plumber and joiner. Also if anybody could tell me the best websites to look on for job opportunities in victoria. Sorry for all the questions but im really new to this so just want pointing in the right direction. Thankyou very much.
  23. Hi now that i am resident, i'm trying to get my head around Private health cover. it's scary to go from a country UK where public healthcare is free on the NHS, to a place where you get billed left right and centre. eg. you go to see some GPs and medicare only covers half of their fee. hubby had a lump removed on his face recently and we got a surprise bill of $200 - which for some reason we couldn't even claim on medicare. choosing private healthcare is soooo bloody complicated. you have to choose which level (if any) of hospital cover and which level (if any) of extras cover. and even if you have cover, you only get a small proportion back, sometimes just 30% eg. for dentists. i've spent hours online, trying to compare the different companies but they all offer different things. dental treatment is super expensive here, i just had a $900 bill for a check up, clean and 3 fillings. so that's one thing i am looking to cover. also thinking about trying to start a family and wondering if it would be a good thing to go private? ( strangely if you go private for pregnancy it seems like you have to shell out loads of extras that the private healthcare doesn't cover, which would be otherwise free??) does anyone have any advice/thoughts about this? anyone had pregnancies here under the private or public system? i'd love to have an idea of the average cost if you go public compared to private for pregnancy. thanks!
  24. I lodged my online application on September 27th and couriered all required documents along with printed document cover sheet on September 28th. However, I noticed that there are couple of new changes on the document cover sheet for 176/886 visa application today, for example, the address of delivery has been changed to level 5 from level 6; as well as the must-included document list changes and parts of the declaration. I double checked and confirmed that I have enclosed all required documents listed in the new version of document cover sheet, but not sure and very concerned if there's any kind of impact with the old version. Anyone can help share any idea or advice on this? I am quite convinced that there was no any kinds of hints for coming changes when I submitted application and printed the cover sheet from the online application system, therefore it looks not fair if to reject the application due to the change.
  25. Guest

    Will a Bridging visa cover me?

    Hello! First off I am not a pom. I'm sure it doesn't make much of different aside from a few sub classes. Such as; I cannot extend my WHV for a second year. sigh. I have a relatively simple question but havn't been able to find the answer else where. I am currently on a WHV that will be expiring in November and I would like to stay out here, study and eventually migrate. I currently have a job that can support me though my studies but school doesn't start until February. I was hoping that i could obtain a BVA to cover me between November and February so that I may work full time until the student visa takes effect. (save for a rainy day) Will the BVA cover me between my WHV and Student Visa? From what I hear, it doesn't take much time to for student visa's to be permitted. A few weeks. So i would not fit the "has made an application for a substantive visa which has not been decided" criteria. If this is so, are there any other options? This is and onshore student visa we are talking about. If that makes a difference. Thank you for your time. Lee