Ntsiab lus tseem ceeb:
- Cov private health insurance yuav pab kom tsis txhob muaj chaw leg ntau rau peb cov public health system.
- Yog tias yus yuav tau siv lawm ces yuav pab kom yus tau tos luv luv xwb ces tau siv tsev kho mob thiab tej kws paub kho ib yam mob dab tsi tsi ntsees thiab muaj peev xwm thov tau qee cov nqe kho mob rov qab.
- Tsoom fwv los yeej muaj kev txhawb nqa kom tej neeg yuav cov private health insurance siv thiab.
Australia yeej muaj zej tsoom ib cov kev kho mob zoo dua siv hauv ntiaj teb no, thiab cov kev pab cuam Medicare thiab zej tsoom tej tsev kho mob yeej muaj cov kev kho mob pub dawb los yog tau them pheej yig zog rau tej neeg siv.
Txawm li cas los muaj tej thaum kuj tsis muaj peev xwm npaj tau cov kev kho mob txaus raws li qhov tej neeg xav tau siv thiab, ces thiaj li yuav tau txais kev pab los ntawm cov private health system.
Tim Bennett uas yog ib tug Insurance Expert ntawm lub koom haum Finders hais tias Medicare yeej pab kom peb muaj txoj sia ua lub neej, tab sis kuj tsis muaj peev xwm pab tau txhua yam thiab.
''Ces qhov cov private health insurance ua ces yog los nrog txo qee cov kev ua chaw leg rau Medicare thiab cia tej neeg uas muaj peev xwm them taus los yuav cov insurance no siv.''
Private health insurance (PHI) ces yog yus yuav siv lawm ces yuav pab kom tej neeg tau siv ntau yam kev kho mob sab nraum cov public health system, li cov kev kho cuam tshuam txog hniav, kho qhov muag, physiotharapy thiab tsheb thauj neeg mob.
Yog tias koj kho ntawm zej tsoom tej chaw kho mob xwb ces koj yuav tsis tau them nqe dab tsi; tab sis tej zaum koj kuj yuav tau them lwm yam nqe ntxiv thiab los kuj tau. Source: iStockphoto / mediaphotos/Getty Images
‘Hospital’ thiab ‘Extras’ yog dab tsi?
Cov hospital cover ces yuav them tej nqe kho rau lub caij koj raug coj mus kho ntawm ib lub tsev kho mob tam li yog ib tug neeg mob kho ntiav. Piv txwv li yog koj yuav cov privage health insurance siv ces koj muaj peev xwm xaiv tias xav kom tus kws phais mob twg phais yus thiab xav phais rau hnub twg tau.
Cov extras cover ces yog siv lwm cov kev kho mob piv txwv li rho hniav, physiotherapy thiab kho qhov muag. Raws cai lawm ces cov extras cover no yeej tsis them tej nqe thaum yus mus siv ib lub chaw kho mob twg los yog thaum yus mus yees duab hluav taws xob (imaging) thiab thaum yus mus sim (ntshav/zis/qaug ncaug) sab nraum tej tsev kho mob.
Thiab yus kuj muaj peev xwm yuav cov 'Hospital' thiab 'Extras' no nyias cais nyias los sis yuav koom ua ke tam li yog cov comprehensive insurance package.
Tej neeg tuaj xyuas Australia los yog tej neeg uas thov tau ib hom visa twg siv yuav tsum tau yuav cov Overseas Visitors Health Cover siv.
Dr Rachel David uas yog tus coj ntawm lub koom haum Private Healthcare Australia hais tais yog thaum yus tau ras los ua ib tug neeg tau nyob ruaj lawm, ces yus muaj peev xwm xaiv seb tsuas siv Medicare nkaus xwb los kuj tau. Txawm li cas los zoo li tej neeg tau nyob ruaj yeej tseem yuav cov private health insurance siv txuas ntxiv hais tsi ntsees rau tej neeg tsiv teb tsaws chaw uas muaj txuj ci thiab paub ua hauj lwm ntawd.
Tus kab mob COVID-19 uas tau kis thoob ntuj los kuj tau ua rau muaj teeb meem loj kawg nkaus rau peb zejtsoom tej tswv kho mob thiab.
Dr David hais tias “Ces thiaj tau ua rau zej tsoom tej tsev kho mob muaj teeb meem loj zuj zus tsis tshua muaj peev xwm yuav npaj tau los phais cov kev phais raws li lub caij tsim nyog thiab npaj cov kev phais mob lawm.''
Tsis tas li ntawd los yog koj muaj cov private healthcare siv ces koj kuj yuav tau phais mob sai zog thiab tau siv cov kev daws kev nyuaj siab, yog li ntawd ces thej neeg muaj nyiaj dua thiaj them kim dua rau cov private cover.
Tej no kuj pab kom tsis txhob ua chaw leg ntau rau zej tsoom tej kev kho mob kom tej neeg txhom nyem thiaj muaj peev xwm siv tau cov kev kho mob thiab.
Yog koj yuav cov 'Extras' covers ces yuav pab them tej nqe kho mob tsi ntsees li kho hniav, physiotherapy (cov kev pab yus lub cev tom qab mob los yog raug mob), thiab pab kho qhov muag. Credit: Luis Alvarez/Getty Images
Puas yog zej tsoom tej neeg mob thiab tej neeg mob kho mob ntiav raug kho sib txawv?
Tej chaw kho mob yeej yuav tau kho tej neeg raws li ib co ntsiab cai tsim nyog kho uas tau teev tseg, thiab lawv yeej yuav xub kub siab tshaj plaws los kho yus kom zoo tsis hais yus mus siv zej tsoom cov kev kho mob los yog cov kev kho mob ntiav li.
Tej paj tshab txhawb kom tej neeg yuav cov private health insurance siv
Tsoom fwv muaj 3 co paj tshab los txhawb nqa kom tej neeg yuav cov private health insurance siv.
1. Muaj peev xwm thov tau qee cov nqe kho mob rov qab
Qhov no ces yog tsoom fwv pab tej neeg uas yuav cov private health insurance uas muaj cai tau txais kev pab them tej nqe kho mob ntawm tej tsev kho mob ntiav. Lub hom phiaj ces yog los pab tej neeg khwv tau nyiaj tsawg, hais tsi ntsees rau tej neeg uas xav tau siv ntau yam kev kho mob sib chab sib chaws dua.
Thiab yuav muaj peev xwm thov tau tej nqe them yuav cov private health insurance txog 25 feem pua rov qab rau yus thaum yus thov se rov qab.
Ces kuj nyob ntawm seb yus yuav cov private health insurance zoo li cas, yus hnoob nyoog li cas thiab yus khwv tau nyiaj npaum li cas yuav ua cov txiav txim seb yus pua muaj cai thov tau tej nqe them yuav no rov qab me ntsis.
2. Cov se txiav pab rau Medicare (Medicare levy)
Yog tias yus yuav cov private health insurance siv lawm ces yus yauv tsis tau them cov Medicare Levy Surcharge.
Cov se no ces yog ib co uas tsub ntxiv rau tej neeg khwv tau nyiaj ntau uas tsis yuav cov private hospital cover them.
Dr David tshab txhais tias ''Txhua leej txhua tus uas ua hauj lwm yeej tau them Medicare Levy ntawm tej nyiaj lawv khwv tau coj mus pab Medicare, tab sis tej neeg uas tsis yuav private health insurance siv thiab lawv tsev neeg ho khwv tau nyiaj tshaj $183,000 ib xyoos twg lawm, ces lawv yuav tau them Medicare Levy ntxiv yog tias lawv tsis yuav private health insurance siv.''
Thiab lub tuam chav yeej muaj tej xov xwm qhia txog tej nyiaj uas kwv tau npaum li cas yuav tau them se npaum li cas qhia rau zej tsoom.
3. Lifetime health cover loading
Tej neeg uas hnoob nyoob tshaj 30 xyoo uas mam li yuav cov private health insurance siv thawj zaug ces yuav tau them cov nqe insurance kim zog. Tos ho ua li no los yuav pab tiv thaiv kom tsis txhob tos txog thaum twg muaj hnoob nyoog 85 xyoos lawm mam li yuav siv thawj zaug — thaum uas lawv twg muaj ntau yam mob lawm tab sis tsuas tau them tus nqe yuav insurance tib yam li ib tug neeg hnoob nyoog 25 xyoos xwb.
Dr David thiaj hais tias “Qhov ntawd thiaj yuav pab kom tsis txhob ua chaw leg phab nyiaj txiaj rau tej hluas.''
Gap fees yog dab tsi?
Tej zaum koj kuj yuav tau hnov los lus ‘gap fees’ los yog ‘out-of-pocket’ no lawm. Qhov no ces yog qhov sib txawv ntawm tej nqe kho mob thiab qhov uas koj lub tuam txhab private health insurance yuav muab rov qab rau koj.
Tab sis tej GP, specialist, tsev kho mob, Medicare los yog yus lub tuam txhab private health insurance yuav ua cov them tej nqe kho mob feem ntau.
Dr Chris Moy uas yog ib tug kws kho mob tshab txhais tias ''Tej kws kho mob los yog tej neeg kho mob kuj yuav tsub tus nqe kim dua rau yus them uas peb hu tus nqe no thiab yog 'gap' fees.''
“Cov laj thawj tos ho tsub rau yus them li ntawd los piv txwv li ntev tuaj ntxiv ces Medicare yeej tsis tshua muaj peev xwm them tej nqe kho mob uas kim tuaj ntxiv lawm thiab.''
Yog tias yus ho raug coj mus kho ntawm tsev kho mob tam li yog ib tug neeg kho mob ntiav, ces yus yuav tau them nyiaj ua ntej (excess) muaj ntsis zoo sib xws li thaum yus claim insurance thiab mas thiaj tau siv cov kev kho mob.
Raws cai lawm ces cov private health insurance (PHI) yeej tsis them tej nqe kho mob uas ib tug neeg mus siv cov kev kho mob li mus ntsib ib tug kws kho mob los yog mus yees duab hluav taws xob thiab mus sim (ntshav/zis) sab nraum ib lub tsev kho mob. Credit: PixelCatchers/Getty Images
Yuav cov PHI twg thiaj haum rau yus siv?
Cov kev xaiv cov private health insurance ces yog yuav tau luj tias seb ho muaj cov kev kho mob twg siv thiab yus ho xav tau yam kev kho mob twg siv. Txhais tias yus yuav tau khaws tej xov xwm txog cov private health insurance ib yam twg kom ntau npaum li ntau tau, thiab coj los sib piv seb qhov twg zoo dua rau yus.
Tab sis kuj muaj tej nqe yuav sib txawv raws li cov theem kho mob uas yus yuav tau siv xwb thiab thiab nyob ntawm seb yus tsuas pov puag tib tug neeg xwb los yog pov puag tag nrho ib tse neeg.
Thiab Tim Bennett kuj hais tias lub sij hawm ntev ntxiv tuaj lawm ces yua yuav tau hloov kom haum raws li qhov yus xav siv thiab.
''Txawm tias yus tau yuav ib co private health insurance siv lawm los txhais tsis tau tias yuav tag ces tsis tas txheeb dab tsi ntxiv rau lub caij ib xyoos los yog ob xyoos ntxiv lawm, vim yus tsis paub tias tej nqe them ntawd puas tsim nyog rau tej kev kho mob uas yus xav tau siv.''
Thiaj koj mam luj seb koj yuav xaiv yuav tej zoo li cas ntawm tsoom fwv lub vas sab los yog cov vas sab uas sib piv ntau yam nqe sib txawv li , thiab .
Mloog tau hnub zwj Teeb (Thursday) 6 pm, hnub zwj Hnub (Sunday) 11 am, los yog koom tau ntxiv ntawm , , thiab . Downloadthiab caum
