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Found 47 results

  1. Yesterday my oh had day surgery and it made me think about that old chestnut - the "Australian healthcare vs British healthcare" debate. A lot of people (myself included) would say Australian healthcare is better, but that's not a fair statement. The difference has more to do with the culture in both countries, and the difference in the way private health insurance works in each country. My oh had a dark spot on his nose, and it turned out it was a melanoma. He doesn't have health insurance, so the GP offered to refer him to a hospital specialist instead of a private one. He could see the private surgeon next day, but would have to wait for the hospital one. He chose the private surgeon, and a week later, he's been operated on (and it looks as if it's all clear, thankfully). He's now got $6,000 on his credit card, but he thinks it's worth it for peace of mind - and he will get some of it back on Medicare. And that's one of the differences right there. If you choose to bypass NHS waiting lists in the UK by going private, you pay the full price. The NHS doesn't step up and pay you what it would have cost to do it on the NHS. So even for people without health insurance, private health care isn't necessarily out of reach in Australia - and importantly, we all know it isn't. In fact we access it often, without much thought, every time we get referred for a CT scan or a specialist consultation. So you see, when you ask a typical Aussie what healthcare in Australia is like, you're likely to get a rosy picture - because our willingness to use private healthcare means that we're not comparing like with like.
  2. Been a couple of years since last here. My hubby is from Scotland has a house and also has a friend who is prepared to offer a job when we are ready to return. We were going to return a couple of years ago but decided to stick it out in Australia. Here in Oz I get a partial disability pension basically only covers medications on health card due to our incomes as I work part time. I hope to get part time work when we go to Scotland if not I can work from home in photo restoration work. But what concerns us is I have a genetic condition that limits me with working full time - will this go against us in our visa application that Im not of full health - how will this play with getting our visa for me. I have had conflicting info told NHS will cover me as in the visa there is a built in amount to cover the NHS ... to there is a reciprocal arrangement with Australia and as I have medicare here I would be covered there. I need to see a dr at least once a month for medications (bp, pain meds and thyroid), out here I see physio to help with dislocations approx once a month, I know i will have to pay for physio as i do here. My question does anyone know where i can get some accurate info from ? I have a friend whos a dr in UK but psychology is his field and he said it should, he works at a hospital and says as far as he knows I would be covered but we need to know more... someone said I would need to take out private health insurance as well as the visa extra amount .... but Im unsure on levels over there. I just need somewhere to start as there are so many different web pages and all say different conflicting things ahhhhhhhh My hubbys gran died late last year and hes even more homesick than before so we would really like to go back to where his home and family are. My family are no where near by here so it will be nice to have close family to lean on when needed etc and to support his mum too so she has her son back on the same side of the world. Thanks for advice n help its all greatly appreciated
  3. Hi, I'm sure this question has been asked before but I don't seem to be able to find a thread about pension transfers as yet. What I am wanting to know is whether or not myself and my wife would be better off transferring our NHS pensions to a similar scheme in Australia or leaving them here? We are moving to Melbourne in August and I have a job in a hospital in Melbourne. I'm not really sure what the pension/super scheme on offer is or really what we should do for the best. We have been in contact with a pension agent but not yet comitted to anything. Any help would be greatly appreciated. Cheers Steve
  4. Hi My wife is transferring her NHS pension into An Australian QROPS super account. At some point she is going to have to pay the ATO a certain amount of tax on the growth the pension has made since we became residents in Australian back in Sept 2008. My question is How do you determine growth in something that does not in my mind actually grow in monetary terms? The pension does not accumulate in value. It simply guarantees to pay an amount based on your final salary. Surely that doesn't grow in any way. But I am told the ATO do not view it like that. Does anyone know how the calculation is made? Thanks in advance for any help. Mark
  5. suzimac64

    NHS for Australians in the UK

    Hi I could do with some clarification on NHS care for dual nationalities in the UK. My Australian Husband has dual nationality, he has an Australian passport, he has lost his UK passport. We intend to return to the UK soon. Unfortunately he has just been diagnosed with cancer and we are to be seen next week to determine the full extent. We both have family in the UK and want to be with them at this time to give us the best level of support and fighting chance. We need to know if he will be seen by the NHS once we return. Also as he only has his Australian passport will he need to apply for a visa when entering the UK? We did plan on getting his UK passport from here but it seems the wait is quite long and we don't know how long we might have and just want to get him home to his family. Can anyone advise please?
  6. Hi there, I've just had a baby and we are going home to visit and introduce our daughter to family and friends. We are going back for 3-4 months and during that time my daughter will need her immunisations (second batch) and perhaps midwife visits. Does anyone know if I can just go to my normal doctors and do this or am I considered an overseas visitor? I haven't paid my NI stamp for two years - not sure if that's relevant. I know OZ have a reciprocal agreement with the UK but just wondered what my rights are as a UK citizen. Thanks xx
  7. krmcc

    Surgery options AU vs UK heeeelp

    My partner dislocated his shoulder doing Tough Mudder (...) and was referred to a specialist by our doctor who confirmed he needs surgery to attach the tissue back to the bone. We have just received the quote back, and for one night in hospital its going to cost us over $10,000 for the surgery! We've been told shoulders aren't covered by the medicare system in Australia. Does anyone know what the average wait time is back in the UK at the moment for getting something like this done through the NHS? It seems like our best option would be to fly back to have the procedure done. Any help/knowledge would be appreciated!
  8. Hello everyone! I hope you don't mind me jumping in on your forum. I just finished up studying in Australia and am now doing my Honours research back in the UK. I'm looking into migration patterns of nurses/midwives, particularly from the UK to Australia, factors influencing migration, intentions at the time of moving, intentions after moving and perceptions of work in Australia compared to the UK. It's for nurses/midwives working in Australia, who worked for the UK NHS before moving to Australia... so I hope I am in the right place! Survey Link: https://www.surveymonkey.com/s/PH89VZF There's some more info about the study on the first page - It's confidential and won't take more than 5 minutes. It's quite a specific demographic so would be amazing if you could take part and forward it to any other nurses/midwives from the UK. Thanks so much in advance :ssign16: Kind regards Anastasia
  9. cliveann27

    Renew NHS Cover

    New to this forum but my wife and I are returning to Europe in July after 15 years in Australia. Probably move to Uk for a few months hoping to reactivate NHS numbers before retiring in Spain or Portugal. Has anybody migrated back to Europe and if so any problems reactivating NHS cover and then using it within the Eurozone? Very excited about returning to European culture.
  10. I work for the NHS and I am planning to go to Oz on a 457 visa and in case i don't like it i would like to have the security of returning to my current trust in the UK. I am thinking about asking for a career break of 18 months or maybe 2 years, i figure by then I'll know if want to stay in oz and apply for PR or return to UK. Has anyone applied for a career break before and what sort of reasons do they give for refusing you one? I know I'm eligible to apply for one just wondering how likely i am to get it and anything i can do to increase me chances. What sort of things are taken into consideration? Thank you
  11. Hi, My Wife qualifies as a Registered Nurse next March 2013, we want to emigrate to Oz but we are stuck on a couple of things??? So any help or advice from anyone in a similar position would be great. Does being a newly qualified Nurse in U.K. effect the 'Work Experience' aspect of the application or will the 'Placements' on the Nursing Diploma count as 'Experience'??? We are going to go the EXPO in Leeds at the end of this May. Anyone any experience of these??? Can we apply for a Visa before she finishes her Diploma or do we have to wait till she is qualified? How long is the Visa process for Nurses at the moment i have raed various things about Nurses being fast-tracked? Thanks in advance for your help... :biggrin: Paul
  12. Hi, My Wife finishes her Nursing Diploma and will qualify in March 2013 and we are looking at the various implications of Visa's etc. Does anyone know if she can apply for the Skilled 175 Visa before she actually qualifies??? Also will being a newly qualified Nurse with little 'Work Experience' matter whem applying for the Visa? Anyone who has been in a similar position would be great to hear from you, it's all such a minefield of information. Thanks in advance Paul
  13. UK media recently reported that the British government is planning a 'major crackdown' on 'health tourism'. The logic of the crackdown appeared to be straight forward, given that the NHS is placed under considerable strain from visitors who arrive in the UK with longstanding health problems expecting free treatment. However, the restrictions will also affect British expats living abroad. According to media reports, UK pensioners who have been residing abroad for more than six months will no longer be eligible for free treatment. Regardless of contributions made in the form of tax payment and National Insurance contributions, they will have to pay for any NHS treatment received while in Britain. The only exceptions, where the costs will still be covered by the NHS, is for the treatment of emergencies, such as heart attacks. However, the ban, which is set to be enforced by next April has sparked considerable controversy from UK citizens residing abroad. "I lived and worked in the UK for 20 years. I paid the soaring tax rates each and every year, and I never went on the dole [the British welfare system] or tried to qualify for any extras," said expat, Laura, who began working abroad seven months ago. She added, "There isn't any work in the UK now. The unemployment rate is soaring, and higher education is about to skyrocket as university fees are going up. Do they really expect Britons to stay put, paying out in tax but getting so little in return? I don't intend to return to the UK, but that doesn't mean I don't deserve the rights of other citizens should I visit later. This is especially the case when I'm old and at my most vulnerable. In fact, I deserve more as I never milked the system like the others did."
  14. Guest

    Nhs or not

    Hi everyone,sorry if i come accross a touch ignorant with my question,but here goes, My wife and i are moving out to queensland(north of cairns)in september,my wife has had medical problems in the past and we are really confused with how the medical system works in oz,if by any stroke of bad luck were to happen,what and how do we go about going to the doctors,again apologies for my ignorance,i look forward to anybodys response:confused:
  15. Guest


    one you pay into by means of a wage contribution (UK) one you pay privately for (Australia)-so what comes out the best,and which system in your view serves you the better--i mean when new immigrant from the uk comes 2 australia they may find private health insurance,and paying 2 see a doctor as a bit of a shock--so hence the question--for me its the NHS
  16. Hello I would guess that this question has been asked before, but I haven't been able to find the relevant thread/s (I will admit, before I am castigated for being lazy, that I haven't had time to look very hard). Anyway, I have about 10 years worth of contributions in my NHS pension, which is now 'deferred', seeing as I left the UK 2 years ago. I know that funds transferred soon after arrival have reduced tax liabilities, but was unable to due to the short-term contract I was on when I first started, so I just left it there to deal with 'later'. Well, I figure now is 'later' enough for me to start trying to figure out what to do about the money I have tied up in the UK. It's not a massive amount, and I could leave it there, but I'm thinking that it might be more straightforward to bring it over here and put it into my current scheme. From what I've read so far, it sounds like getting my super over here without falling foul of taxation law could be a minefield for someone with my background in finance (i.e. as an accountant, I make a really good health professional!). But I realise that if I leave it in the UK, when it pays out, I'll have to pay a whole load of tax on it anyway, so it might be better for me to have the money all in one place (and not subject to any more exchange rate nastiness). Anyway, I need to find an accountant or similar to help me work out what to do, and how to avoid paying more tax on the money than I have to. Does anyone have any recommendations? I'm loathe to rely on the help of my super fund, because they have an obvious axe to grind, and I need someone with specialist knowledge in this area. The last thing I want is to end up losing most of my super in tax or other fees! Cheers all. Sarah
  17. familybliss

    nhs pension transfer again !

    Looking at the numerous posts , it is clear this issue is rightly quite important in the overall migration planning . Knowledgeable people have correctly opined that the transfer should not be done in haste ( for fear of falling foul of the ' six - month' rule ) and professional advice should be sought . However , even after taking professional advice , the decision to transfer or not should be made very carefully . The NHS pension is a defined benefits pension and in general a decision to transfer an NHS pension should be dependent on : 1. Whether the CETV offered is a fair one and whether the recipient feels comfortable with the offer . The CETV is arrived at after a complicated actuarial calculation and and partly reflects how well the pension fund is funded at the time and the general economic condition . Thus a CETV obtained at a later date might be substantially different from the original figure ( might be higher if the original figure was deemed to be low ). 2. The 'critical yield' - this is probably the most crucial thing to consider and all professional advice should give this . This computes and expresses ( as a percentage ) what the Aus destination fund should perform at to match the NHS payout . This figure ( critical yield ) is calculated after taking into consideration the different tax benefits of moving the fund to Aus . This should then be considered along with the different fees of any super fund and the tax on subsequent growth and an estimated gross performance that the Aus fund has to consistently perform at could be arrived at . If you think that the Aus fund could consistently outperform the gross critical yield then the NHS pension could be transferred . As Alan Collet had mentioned , an SMSF might be an option where the choice of investment is an individual one , but these have significant costs . It is mainly for these two reasons : a) the option of challenging the CETV and b) obtaining an accurate 'critical yield' that professional advice is required and advisors with actuarial knowledge are preferable . The six month rule does not apply to temporary residents on 457 . Currently , the performance of most super funds leave a lot to be desired .
  18. Guest

    NHS Pension

    HI I was just wondering if anyone can help - My wife has been contributing to her NHS pension for 6 years and as part of our move we are considering getting this refunded, does anyone have any experiance with this? is it even possible? Many thanks in advance. Marc & Ali
  19. Guest

    Elderly Parents returning to UK

    Came across this forum whilst researching the feasibility of my elderly parents (late 70's) returning to the UK. It looks to be comprehensive and popular They have both been out the UK since they were 17 so have made no NI contributions in the UK. We are living in the UK and are happy to support them financially and expect no direct financial support from the state, but it is not clear to me whether they will be entitled to NHS support, which is obviously essential for this to be an option. Will they be entitled to any other support if they do return?
  20. Guest


    :wub:Hi, I am moving to Oz , and need to know if there is any reciprical agreement for me to get health insurance. I am covered by the N.H.S in England, and have found out that Ausralians living in England can apply for N.H.S and be covered the same as any U.K. resident? Am I covered? if not what should I do??Any advise welcome.
  21. Samijoel

    Nhs pension transfer

    Planning on moving to N.S.W. in about 18 months, have ten years N.H.S. pension but not paid into it for 11years as changed career. Does anyone know if I can transfer the years over, or is it better to leave it here? Thanks..:
  22. The government are hell bent on privatising as many companies as possible and they want to bring in back door privatisation to the NHS. Some will say it has been like this for years, but the Con/Dems want to change how the NHS is running and the nurses have shown what they think, 99% vote of no confidence against Lansley............. what do any PIO NHS workers think.............. can you trust the alliance? And what do you think lies ahead for the NHS? Lansley facing RCN confidence vote Next image <SCRIPT type=text/javascript> <!-- var paimgs = new Array('//media.tiscali.co.uk/images/feeds/pa/uknews/2011/04/13/150x150/lansley-facing-rcn-confidence-vote-0.jpg'); var curpaimg = 1; if (paimgs.length>1) { var next = document.getElementById('next'); next.style.display = 'block'; } function NextImage() { var img = document.getElementById('paimages'); curpaimg++; if (curpaimg>=paimgs.length) {curpaimg=0;} img.src = paimgs[curpaimg]; } //--> </SCRIPT>Date: 13/4/2011 05:59:01 Search: Andrew Mansley nurses vote The Health Secretary is facing a vote of no confidence after nurses accused him of not having "guts". Andrew Lansley has been criticised for declining an offer to deliver a speech at the Royal College of Nursing (RCN) conference in Liverpool. He will instead hold a 45-minute Q&A with 60 nurses as part of the Government's "listening exercise" on the controversial NHS reforms. At the same time, angry nurses will vote on an emergency motion of no confidence in his ability to direct the reforms. The Government has come under repeated attack over the Health and Social Care Bill and is now using a "pause" in the passage of the legislation to listen to concerns. Julian Newell, an A&E nurse from Sheffield, told the conference: "I think it's a shame Andrew Lansley does not have the guts to come up and face congress as a whole. "I'm not sure it's the right thing to say we'll have a selected group of small people to meet with him. I would rather us say, if you can't face congress as a whole then we don't want to meet with him."
  23. yumimumi

    nhs pensions and others

    hi i am a midwife in the uk i have had numerous pensions with companies i have worked for over the years since i was 16 and have now had an nhs pension from 1999 - 2002 and more recently 2009 to this present day. if we get to emigrate to australia, is it possible to transfer nhs pension and my other old ones over to oz. am really confused please help nicola
  24. Guest

    nhs pension

    could anybody tell me if i transfer my nhs superan. to oz do i pay tax on it? think I've read somewhere that it's worth less over there? :arghh:
  25. Hello guys. im a nurse working in the UK and me and my partner are planning to move to WA in 2012. i was just wondering whether there are any other nurses on this forum and what you think of nursing in australia? i have heard bad things about working in the public healthcare system as it is nothing like the nhs is this true? also is it true that holidays is really bad as at the minute i get 35 days holiday in the nhs and i have been told that in australia you get a lot less? also do nurses work 12 hour shifts in oz like they do in the UK? as i couldnt bare going back to doing a 5 day job lol!! if im moving to oz for a more relaxing life i would actually like some time off to relax! im really sorry about all these questions but if anybody could answer maybe a couple of them then that would be much appreciated :biggrin: :hug:thanks amelia:hug: