NickyNook Posted October 27, 2015 Share Posted October 27, 2015 Private cover will not cover pre existing illness. So be careful of that. Yes it will. No private insurance company can refuse to provide cover on the basis of a pre-existing condition. 'Even if you have a pre-existing condition, health funds must allow you to purchase any type of cover, at the same price as every other person. Once you have served any waiting periods, you will be entitled to claim' - http://www.privatehealth.gov.au/healthinsurance/howitworks/waitingperiods.htm Link to comment Share on other sites More sharing options...
Major Tom Posted October 27, 2015 Author Share Posted October 27, 2015 Yes it will. No private insurance company can refuse to provide cover on the basis of a pre-existing condition. 'Even if you have a pre-existing condition, health funds must allow you to purchase any type of cover, at the same price as every other person. Once you have served any waiting periods, you will be entitled to claim' - http://www.privatehealth.gov.au/healthinsurance/howitworks/waitingperiods.htm That's what we were advised by our UK consultant, but needed to double check. Thank you MT Link to comment Share on other sites More sharing options...
Marisawright Posted October 27, 2015 Share Posted October 27, 2015 That's what we were advised by our UK consultant, but needed to double check. The waiting period will likely be two years. Link to comment Share on other sites More sharing options...
ramot Posted October 27, 2015 Share Posted October 27, 2015 Mine was 12 months some years ago, and daughter the same 12 months waiting period when she took it out last year. Might depend on the provider. Link to comment Share on other sites More sharing options...
NickyNook Posted October 27, 2015 Share Posted October 27, 2015 The waiting period will likely be two years. No it won't. The government sets the maximum waiting periods that funds can impose for hospital treatment: 12 months for pre-existing conditions, 12 months for obstetrics (pregnancy), two months for psychiatric care, rehabilitation or palliative care, even for a pre-existing condition, two months in all other circumstances." http://www.privatehealth.gov.au/healthinsurance/howitworks/waitingperiods.htm Link to comment Share on other sites More sharing options...
jumpingjellybean Posted October 27, 2015 Share Posted October 27, 2015 No private insurance company can refuse to provide cover on the basis of a pre-existing condition. Sadly they can and they do. Link to comment Share on other sites More sharing options...
Lainey Posted October 27, 2015 Share Posted October 27, 2015 Oh thats lovely to hear how much you respect & love your OH. Good on you MT. Drugs are the scourge of the earth i'm afraid. Once again my eldest son ( its always him !! bless him, must be something about being the eldest !!!!) Became a drug addict, he used everything, even Ice. We went through such awful times with him, including him getting in trouble with the law on more than one occasion !!! He stole from us, & other people to feed his addiction, he became someone we didnt know anymore, but we never gave up hope. Eventually nearly 4 years ago, after attempting to commit suicide, he came to his senses, went cold turkey & has been totally clean ever since. By the time i was 32 i had lost 5 friends to drug over doses that i had grown up with & gone to school with, 2 of them in the most horrific way. Drug addiction is like a terrible disease that has spread worldwide. Its the bane of society. Your OH must be so proud of you, i don't even know you, but i'm proud of you, for being brave enough to talk to a specialist & allow yourself time to heal with great support. I had a breakdown years ago, followed by deep depression, i saw a councillor every week for 2 yrs, & then every fortnight for 6 months, then every month for 6 months, 3 yrs in all, but my wonderful husband & also my boys, kept me sane, they were my rocks that i clung to for support & comfort in the darkest of times. Once i came through it, i got a job that i loved, was there for 3 weeks then had a terrible car crash, a 52 seater coach hit me head on, !!! i "Died" 3 times, & 3 times they got me back, it wasn't my time. I had 2 years of operations, was terrified to drive or even get in a car, my work held my position for me until i felt able to return a year later !!! So ironic & a cruel twist of fate really, that after being there for me & seeing me all through this, that it was husband that got taken !!!! Life can be very cruel & unfair & often we are left with just one unanswered question, WHY ???? Maybe we aren't meant to know until we reach the next realm, maybe then all will become clear, who knows !!!! But yes, we are much stronger, we survived, we came out the other side, we should be proud of ourselves. I wish you well MT, continued happiness & a long Happy life. Make it count. Enjoy all that you have with your OH & your children, & make it wonderful. Take Care honey Lainey Link to comment Share on other sites More sharing options...
NickyNook Posted October 27, 2015 Share Posted October 27, 2015 Sadly they can and they do. Then they are breaking the law. This what the Private Health Industry's body and the Australian Government says: 'Can a private health insurer refuse to insure me because I am elderly or chronically ill? No. Health funds are not allowed to refuse membership to people on the grounds of health status, age or claims history and must charge everyone the same premium for the same insurance policy. Health funds can impose waiting periods for pre-existing ailments.' http://www.privatehealthcareaustralia.org.au/faq/ http://www.health.gov.au/internet/main/publishing.nsf/Content/Frequently+Asked+Questions-1#can If you've been knocked back for Private Health Insurance then you should contact the Private Health Insurance Ombudsman http://www.phio.org.au/complaints/complaints-overview.aspx Link to comment Share on other sites More sharing options...
lp77 Posted October 27, 2015 Share Posted October 27, 2015 We have always said we would come here since forever and then we said before kids go to school, oldest now 9.5, next 8, youngest 6. I did whv in 2000/2001, hubby came here 2002 and we met up stayed in touch got together and have a good life in Scotland but dd was diagnosed with type 1diabetes dec 2013, and we came out on a planned trip January 2014. The first summer we had done with the kids. They had a ball. I find the Australians a confident nation (sometimes too much ) and I feel in Scotland at least we apologise for everything...but we have the opportunity to try it so applied for my visa and waiting. Did a recce and moving to South Gold Coast. In laws in Victoria point and spring mountain... I wanted less than 30min to beach . im a nurse to trade so hoping it all works out. I'd regret it more never trying and giving kids the experience/opportunity.... Link to comment Share on other sites More sharing options...
Lainey Posted October 28, 2015 Share Posted October 28, 2015 Hi Ip77, Glad to hear you are going to make the move & come out here, i am also on south gold coast, & love it. I'm on my own now as my hubby passed away 18 months ago from cancer, so after the first year, i sold up & bought a place down here near out youngest son, i'm only 15 min drive from him now, he's lived on the GC since we migrated here 10 yrs ago, he wouldn't live anywhere else, & now after experiencing it for myself, neither would i !!!! For your kids, i think you are making the best possible choice for their future, there are so many many opportunities out here, & a bit of hard work pays dividends & great rewards. The life style is awesome, i love everything about the country, even the people, & yes i do agree with you, they can certainly seem "Over confident" a bit big headed ( not so much the women, but definitely the men & thats not being sexist !!!!) BUT, as you get to know them, you realise its really not big headedness, or too much confidence, its simply because they are so patriotic & believe their country is the best place on earth, & i have to agree with them, i feel the same way. I have been a citizen for 8 years after taking my citizenship as soon as i was allowed to, in those days it was only 2 yrs, now its 4yrs. So i have adopted this country as my own, its home. I wouldn't dream of going back to anywhere in the UK for any amount of money !!!! They ARE getting better, & i think thats because there are so many of us Brits over here now that they have taken on some of our ways & i find they DO usually apologise now. So their getting there !!! hahaha Also they are now getting very used to our wicked sense of humour so understand us more !!!! lol. You will have no problem finding a placement in nursing, You have the big new main Gold Coast hospital now up the road from Southport, plus there are many other smaller private hospitals too. So you won't even have to commute anywhere. In truth, you are giving your children the best possible start to to teenage & then adult life, still being at school they will make friends quickly that they will probably take with them into adulthood, as seems to be the thing over here, also handy for you & your hubby as you get to know other parents & make your own social circle. It was harder for us as our son's were grown men when we came here, 21 & 25,when we came here, so it was harder for us to find friends our own age. Just come with your eyes & mind open, & a positive attitude & i'm sure you'll love it & never want to leave this beautiful country. I wish you heaps of luck & happiness Ip, All the best Lainey Link to comment Share on other sites More sharing options...
lp77 Posted October 28, 2015 Share Posted October 28, 2015 Hi Ip77, Glad to hear you are going to make the move & come out here, i am also on south gold coast, & love it. I'm on my own now as my hubby passed away 18 months ago from cancer, so after the first year, i sold up & bought a place down here near out youngest son, i'm only 15 min drive from him now, he's lived on the GC since we migrated here 10 yrs ago, he wouldn't live anywhere else, & now after experiencing it for myself, neither would i !!!! For your kids, i think you are making the best possible choice for their future, there are so many many opportunities out here, & a bit of hard work pays dividends & great rewards. The life style is awesome, i love everything about the country, even the people, & yes i do agree with you, they can certainly seem "Over confident" a bit big headed ( not so much the women, but definitely the men & thats not being sexist !!!!) BUT, as you get to know them, you realise its really not big headedness, or too much confidence, its simply because they are so patriotic & believe their country is the best place on earth, & i have to agree with them, i feel the same way. I have been a citizen for 8 years after taking my citizenship as soon as i was allowed to, in those days it was only 2 yrs, now its 4yrs. So i have adopted this country as my own, its home. I wouldn't dream of going back to anywhere in the UK for any amount of money !!!! They ARE getting better, & i think thats because there are so many of us Brits over here now that they have taken on some of our ways & i find they DO usually apologise now. So their getting there !!! hahaha Also they are now getting very used to our wicked sense of humour so understand us more !!!! lol. You will have no problem finding a placement in nursing, You have the big new main Gold Coast hospital now up the road from Southport, plus there are many other smaller private hospitals too. So you won't even have to commute anywhere. In truth, you are giving your children the best possible start to to teenage & then adult life, still being at school they will make friends quickly that they will probably take with them into adulthood, as seems to be the thing over here, also handy for you & your hubby as you get to know other parents & make your own social circle. It was harder for us as our son's were grown men when we came here, 21 & 25,when we came here, so it was harder for us to find friends our own age. Just come with your eyes & mind open, & a positive attitude & i'm sure you'll love it & never want to leave this beautiful country. I wish you heaps of luck & happiness Ip, All the best Lainey Thank you Lainey, I had read your previous post about your loss, just awful being taken so young, we recently lost a friend to breast cancer who leaves 2 young girls and life is far too short so you've got to try. I hope my own kids develop that confidence and I think it is about their education also. Nice to hear you are so positive. We always aimed north GC as hubbys family in VIc Point but xcoming over we found Gilston and signed our names to a block of land... 20 mins to beach but nearly 30 to Burleigh.. I love Burleigh but didn't want to live on the beach but hopefully we can rest somwhere in walking distance to beach whilst our house getting built. We stood on the land and it 'felt right'... strange but true. Where abouts on GC are you? Hopefully catch up for coffee n chat when we get there, we arrive early Jan and kids start school end January then I will not know what to do with myself as want to be available for them as much as poss initially dependent on $$. Thank you for your lovely reply, I will be in bits leaving all my friends and family here but I've got to think about what is best for us.... Lynn x Link to comment Share on other sites More sharing options...
newjez Posted October 28, 2015 Share Posted October 28, 2015 Ours was three reasons, live with my OH who is Australian, but we both were very shocked in the UK regarding the Rotherham Abuse scandal in the news, where the Council and Police were aware of the goings on, but were frightened to do anything because of being tarred with the 'Racist' card..............that tipped us over the edge, especially me, we didn't want to bring our kids up in a country that's frightened of standing up for its own culture and beliefs! Second was, we discovered eldest boy had a brain tumour after our 8 week holiday in Australia over 2012 Christmas & New Year. We made that decision as a family to move when we were over, but because of the issues when we returned it was postponed, but we've had the treatment, recovered, and have started the process again, we have a new family moto, it's one life, live it. Third, we just love the outside type lifestyle, we love sea, surfing, beaches, camping, have a 1972 VW Kombi (as they're called in Oz) and want to complete some traveling, so the kids can look back when older, and see what a great time they had as children. Cheers MT How's that working out for you? http://www.telegraph.co.uk/news/worldnews/australiaandthepacific/australia/11959894/Australia-school-criticised-for-letting-Muslim-students-walk-out-during-national-anthem.html Link to comment Share on other sites More sharing options...
Major Tom Posted October 28, 2015 Author Share Posted October 28, 2015 How's that working out for you? http://www.telegraph.co.uk/news/worldnews/australiaandthepacific/australia/11959894/Australia-school-criticised-for-letting-Muslim-students-walk-out-during-national-anthem.html So are you expecting me to comment on your post? Link to comment Share on other sites More sharing options...
Lainey Posted October 29, 2015 Share Posted October 29, 2015 Hi Lynn. I'm at Helensvale, lovely older suburb, well established, i have the beautiful peace & quiet for when i want it, but also close enough to Southport & Surfers if i want the hub bub !!!! Also near the motorway for work, as i commute to near Brisbane every day, but i don't mind as the times i travel the MWY is empty, i work in an office at the Rocklea Markets near Mt Gravatt, & leave home at 03:35am mon to fri. But then i'm travelling home by lunch time every day, so lucky me, i get to miss rush hour traffic both ways !!! hahaha I love the hours too because it still gives me free afternoons to catch up for coffee with friends, do my shopping walk my dogs or take them to the beach etc, which is only 15 mins by car, plus i have my weekends free. I'm sorry to hear about your friend that passed away from Breast cancer, it just shouldn't be happening should it. We have all this technology, yet people are still dying every day with the damn disease. I love it at Vic Point, we used to take the boat out from there whenever we could at high tide, such fun times, lovely memories. I DO know exactly what you mean about the block of land "Feeling" right, i'm a firm believer in that. When i was selling the last house Dave & i had a year after he'd passed, i kid you not, i looked at over 100 houses all down around this area, Helensvale, Oxenford, Parkwood etc. None but this one gave me that feeling of "This is home", "This feels right", with this house, the feeling started as i walked up the driveway & just got stronger & stronger as i walked through the house !!! I could "SEE" myself here, i felt, "Happy", "At peace" here, so i had to have it !!!! I moved in 3 months ago, had the painters & floorers in, & am now making "Home", putting my stamp on it, my pictures up, book on the bookshelf, etc etc, you know ??. But whats most important to me is that i am close to my youngest son & its been so wonderful for our relationship, enabling us to see so much more of each other, & also my dearest friend, who lives only a 5 minute drive away now !!!! I would LOVE to catch up for coffee n chat with you when you get here, & of course i know what you mean about the $$$$ !!! Of course you will be in bits leaving family & friends, we were, plus my eldest son stayed in England as he was married to the bitch from hell then !!! So we had to say goodbye to him too, he was 25 at the time. It broke me into hundreds of pieces, as though someone had ripped my heart out & stabbed it a thousand times. But, i am wise enough to know that we cannot put our own lives on hold indefinitely, yes of course while they are children, but once they are grown up & married with lives of their own, then we have to think of our own futures, & Australia offered the best possible future for us for many reasons. It does hurt saying goodbye honey, but Australia is no longer at the ends of the earth anymore, & its the perfect country for friends & family to come for a holiday & enjoy quality time with you, & in the mean time there is always Skype, Face Time & god knows how many others !!!, not the same i know, but it really does help still being able to "See" them. Plus at least you are lucky enough to have hubby's family out here, so you won't be totally "alone" if you know what i mean. I bet you are a mixture of excitement but also reluctance too at the moment as the time draws closer, ?? excitement for this new & wonderful adventure you will be embarking on as a family, but reluctance at saying goodbye to everyone & everything you've known !!!!! It will all be ok Lynn, just trust in fate, if it feels right, then it IS right. I really look forward to meeting you & having that coffee & a long chat !!! hahaha Take care honey Lainey X Link to comment Share on other sites More sharing options...
bristolman Posted October 29, 2015 Share Posted October 29, 2015 So are you expecting me to comment on your post? I think the point was that you won't escape any of the issues you seem to want to leave behind. Everything that annoys you in the UK will annoy you in Australia. You said you want to bring your kids up in a country that isn't frightened of standing up for its own culture and beliefs, that is admirable but you won't find it any different to the UK. Link to comment Share on other sites More sharing options...
newjez Posted October 29, 2015 Share Posted October 29, 2015 I think the point was that you won't escape any of the issues you seem to want to leave behind. Everything that annoys you in the UK will annoy you in Australia. You said you want to bring your kids up in a country that isn't frightened of standing up for its own culture and beliefs, that is admirable but you won't find it any different to the UK. Or putting it another way, do you really want to live in a country that tramples on minorities? Link to comment Share on other sites More sharing options...
bristolman Posted October 29, 2015 Share Posted October 29, 2015 Or putting it another way, do you really want to live in a country that tramples on minorities? Yes that is certainly another way of looking at it. I don't mean any offense by this but there seems to be a degree of denial by the poster. I had someone hear say how much they respected the Australian PM for being upfront and saying it as they saw it. They were referring to a fairly well known speech attributed to 3 different Aussie PM's stating that Muslims should fully embrace Aussie values etc etc etc or go home. When I pointed out that the speech was made up and never made by any Australian PM he said so it's the same as here then ? Bingo. Link to comment Share on other sites More sharing options...
Major Tom Posted October 29, 2015 Author Share Posted October 29, 2015 I like reading your posts lads, but don't expect me to comment on the subject anymore, I've said my bit.............end of. Link to comment Share on other sites More sharing options...
Que Sera Sera Posted October 29, 2015 Share Posted October 29, 2015 I like reading your posts lads, but don't expect me to comment on the subject anymore, I've said my bit.............end of. It always goes like this I'm afraid , which is why many of us give up now. Link to comment Share on other sites More sharing options...
bristolman Posted October 29, 2015 Share Posted October 29, 2015 I like reading your posts lads, but don't expect me to comment on the subject anymore, I've said my bit.............end of. That's no problem, there is no need to comment. It's just important you know how things are that's all. There seems to be those who are quite happy for people to be blissfully unaware, I can't see the point in that. Link to comment Share on other sites More sharing options...
Major Tom Posted October 29, 2015 Author Share Posted October 29, 2015 That's no problem, there is no need to comment. It's just important you know how things are that's all. There seems to be those who are quite happy for people to be blissfully unaware, I can't see the point in that. Mate, I live with an Australian, I have been physically and mentally prepared for my move for the last 5yrs................she knows the country and the problems, we both have decided that's it's a better option for all our family. Link to comment Share on other sites More sharing options...
starlight7 Posted October 29, 2015 Share Posted October 29, 2015 You can always find an article supporting what you think about a place, so long as you look hard enough. Angry little people do that. Link to comment Share on other sites More sharing options...
Marisawright Posted October 29, 2015 Share Posted October 29, 2015 Mate, I live with an Australian, I have been physically and mentally prepared for my move for the last 5yrs................she knows the country and the problems, we both have decided that's it's a better option for all our family. And I'm sure you will be fine! I think often, the reason these debates arise is that when you're contemplating migration, it's such a huge move that people marshall EVERY possible reason to justify the leap - so they end up listing things that aren't really important. I suspect that, bottom line, you have one or two key reasons for wanting to move - the others are just "straws that broke the camel's back" if you like. The way you wrote your OP, you gave the Rotherham scandal as your number one reason for deciding to move - and if that were genuinely the case, then it would be disgraceful for us to keep silent and let you think such crimes were any less prevalent in Australia. I don't think you meant to portray it as so important though, I suspect you'd be moving even without that, but that's the way your post appears. Link to comment Share on other sites More sharing options...
bristolman Posted October 29, 2015 Share Posted October 29, 2015 And I'm sure you will be fine! I think often, the reason these debates arise is that when you're contemplating migration, it's such a huge move that you have to marshall EVERY possible reason to justify the leap - so you end up listing things that aren't really important. I suspect that, bottom line, you have one or two key reasons for wanting to move - the others are just "straws that broke the camel's back" if you like. The way you wrote your OP, you gave the Rotherham scandal as your number one reason for deciding to move - and if that were genuinely the case, then it would be disgraceful for us to keep silent and let you think such crimes were any less prevalent in Australia. I don't think you meant to portray it as so important though, I suspect you'd be moving even without that, but that's the way your post appears. Again I agree. Surely it can't be wrong to point something out if it is clearly wrong ? Link to comment Share on other sites More sharing options...
HelensvaleHoward Posted October 29, 2015 Share Posted October 29, 2015 I think the point was that you won't escape any of the issues you seem to want to leave behind. Everything that annoys you in the UK will annoy you in Australia. You said you want to bring your kids up in a country that isn't frightened of standing up for its own culture and beliefs, that is admirable but you won't find it any different to the UK. But don't forget were all different So one size doesn't fit all Link to comment Share on other sites More sharing options...
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