Reciprocal Health Cover, Private Insurance, & Medical Levy Surcharge

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Reciprocal Health Cover, Private Insurance, & Medical Levy Surcharge


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Old 18th January 2020, 12:51 AM
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Default Reciprocal Health Cover, Private Insurance, & Medical Levy Surcharge

Hello, I'm moving to Melbourne next month from the UK and a bit confused about the rules regarding Medicare, private health insurance, and MLS exemption.
  • I'm moving with my family on 482 TSS visa.
  • I'm a UK citizen so can get Medicare.
  • I will be earning above the MLS income threshold.

Questions:
  1. I assume I should apply for Medicare the moment I land? Is there any downside of getting Medicare?
  2. Since I will be getting private health insurance anyway, what type of cover should I get to avoid having to pay MLS?
  3. Should I be getting a*specific*type of*Overseas Visitors Health Cover? I'm worried that I could get an OVHC product that doesn't actually exempt me from MLS

Many thanks in advance.

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Old 18th January 2020, 01:26 AM
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Quote:
Originally Posted by kamb1ng View Post
Hello, I'm moving to Melbourne next month from the UK and a bit confused about the rules regarding Medicare, private health insurance, and MLS exemption.
  • I'm moving with my family on 482 TSS visa.
  • I'm a UK citizen so can get Medicare.
  • I will be earning above the MLS income threshold.

Questions:
  1. I assume I should apply for Medicare the moment I land? Is there any downside of getting Medicare?
  2. Since I will be getting private health insurance anyway, what type of cover should I get to avoid having to pay MLS?
  3. Should I be getting a*specific*type of*Overseas Visitors Health Cover? I'm worried that I could get an OVHC product that doesn't actually exempt me from MLS

Many thanks in advance.
I’m from Uk too and to answer your questions.

1. Reciprocal care doesn’t have the same right as full Medicare. I had a surgery In private hospital and full Medicare covers partially what I would have done but reciprocal doesn’t. It covers only public system. You should do it as soon as possible. There is no downside, get it as soon as you can and use it. Australia doesn’t have proper medical care as NHS if you hurt yourself you might end up paying thousands.
2. As a person who is not on permanent residency visa and you are not australian you need to get a worker insurance (it’s not the same as a normal insurance) as you won’t be eligible for normal insurance. You won’t be able to avoid paying Medicare levy surcharge because:

If you are an overseas visitor, you can purchase Overseas student health cover (OSHC) or Overseas visitors health cover (OVHC) from an Australian-registered health insurer. These are not complying health insurance policies, and you will not be eligible for the private health insurance rebate.

Same with LHC.

Ok now there might be a solution. You fully depend on your private insurance (which probably won’t cover everything as well Medicare but check with your insurer), don’t get Medicare and ask for a Medicare exception. Meaning you won’t be able to get Medicare but you also won’t have to pay tax. Now I’m not sure if this is possible with British citizens because we are eligible to get Medicare. Please call ATO and ask them.

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Old 18th January 2020, 04:43 PM
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Thanks for your reply.

Are you saying essentially that there is no way to get MLS exemption as an 482 visa holder, due to the fact that I can only get OVHC?

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Old 18th January 2020, 05:01 PM
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I did a bit more research and it seems BUPA has a product exactly for my case:
https://www.bupa.com.au/health-insur...over-basic.ovc

This product is a supplement to another OVHC with the sole purpose to get exemption from MLS. Is that a correct understanding?

Even if the answer is yes, I still don't understand how this product (BUPA's Reciprocal Health Cover - Basic) can make me exempt from MLS. Any thoughts?

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Old 18th January 2020, 08:41 PM
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Quote:
Originally Posted by kamb1ng View Post
I did a bit more research and it seems BUPA has a product exactly for my case:
https://www.bupa.com.au/health-insur...over-basic.ovc

This product is a supplement to another OVHC with the sole purpose to get exemption from MLS. Is that a correct understanding?

Even if the answer is yes, I still don't understand how this product (BUPA's Reciprocal Health Cover - Basic) can make me exempt from MLS. Any thoughts?
Normal visitor cover doesn’t exempt you from mls (the fragment of text I sent is from ato page). But it seems the product that bupa offers is something else that allows you to be exempted. But from what I see it’s an add on, not a stand alone insurance. So you probably will have to use bupa as your insurance get a visitor cover from them and then add that reciprocal care add on. If you do this you should be fine.

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Last edited by veshi; 18th January 2020 at 08:47 PM.
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