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I have received my 189 PR in first week of Jan. Few days back I was suffered from sever pain on my foot and toe. On diagnosis I found that my Uric acid is increased and doctor prescribe me one tablet of Febutaz 40 mg for three months.

I am planing to move Sydney by next month. So, my query is should I update DIBP for this or I will come with my medicines and prescription and directly go to doctor in Australia once my medicare card will be ready.

As this problem came after visa was granted, so is it will cause any issue?


Don’t worry about DIBP , after grant no need of any notification. Take the medicines & prescription and after 3 months you can see a local doctor there & repeat the tests , usual health check up you would normally do in India, same thing you need to do there.

Healthcare will be much better I believe . When I was in Sydney last Nov 2017, and I bought an inhaler ( salbutamol) for my wheezing problem , I could clearly feel the difference of medicine quality compared to what we get here. So don’t worry.


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Thanks subz.

Here my point is will they not enquire that this problem occur after visa grant or before visa, they wont look for any evidence for that? as this problem occur few days back after visa grant therefore it was not mentioned in my medical declaration which I had given for visa. Will it cause any issue?
 

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Guys, i am little anxious,before moving to a all new place. Can someone tell me what can I expect as salary to have a good life over there with 3 family members including myself. How's the cost of living? I was going through some video that almost free education for kids hoto 12,upto what extent is it free? What are the other facilities? Can anyone throw some light?
 

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Discussion Starter · #823 ·
I reckon you are doing your validation trip. Please correct me if I am wrong.

If its validation trip, enjoy your self sponsored onsite visit. Dont take too much stress by thinking about future.

To answer your query on education, there are three type of schools with varying fee structure

Public schools - very less or negligible fee
Catholic schools - involves fee
Private schools - involves fee (top ranking schools may charge upto 33K-36K per year)

If siblings are studying in the same private school the second kid might get a reduced fee.

Cost of living for family of three, it depends. Having said that, monthly cost roughly would be 3K-4.5K . Bulk of the expense going towards accommodation. Happy to be corrected.

Guys, i am little anxious,before moving to a all new place. Can someone tell me what can I expect as salary to have a good life over there with 3 family members including myself. How's the cost of living? I was going through some video that almost free education for kids hoto 12,upto what extent is it free? What are the other facilities? Can anyone throw some light?
 

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Thanks subz.

Here my point is will they not enquire that this problem occur after visa grant or before visa, they wont look for any evidence for that? as this problem occur few days back after visa grant therefore it was not mentioned in my medical declaration which I had given for visa. Will it cause any issue?


It won’t create any issue , don’t worry.


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Hi mathan , I have few questions and if you can kindly share your input and thoughts ;
1) do you advise overseas applicants to apply for Australian jobs while waiting for grant ?
2) what is current market situation in terms of jobs ? Just want to mentally prepare myself in case I don’t get a job in first 6 months.Main motive to move to Australia is to find better jobs and have good quality of life and I trust whole process will take time.
3) is is true if people find job in different state , that could pose problem in getting citizenship later on ? I understand that it is moral responsibility of candidate and would be willing to commit to ACT for 2 years and hopefully I get a nice job then I won’t have to move to another state after 2 years.
4) last important question , how did you manage stress during waiting for grant time ? Sometimes I get sleepless nights and there must be a way to kill this stressful waiting period. I made lot of good friends through expat forum, so yes that does calm me a lot.


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You can register for Medicare for yourself only. It's advisable to enrol your wife and daughter to Medicare later only when they move to Australia permanently.

Secondly, centerlink registration is only applicable when you are living with family. Since your family is coming just for validation trip, you can enrol for Centerlink only when your family moves here permanently.

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Hi..jack..just one query though..if you are not enrolling for medicare during the validation trip and due to some emergency you need to visit a hospital or anything..what will be process like..u get registered first automatically at the hosp or u ll have pay for all medical expenses urself..?

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Hi..jack..just one query though..if you are not enrolling for medicare during the validation trip and due to some emergency you need to visit a hospital or anything..what will be process like..u get registered first automatically at the hosp or u ll have pay for all medical expenses urself..?

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As far as I know, you are not automatically covered by Medicare until you enrol. So in your hypothetical situation, you will have to bear medical expenses. If you want to cover such scenario, it's better to buy travel insurance.

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As far as I know, you are not automatically covered by Medicare until you enrol. So in your hypothetical situation, you will have to bear medical expenses. If you want to cover such scenario, it's better to buy travel insurance.

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Actually you're not covered by Medicare even if you enrol, if you are only coming for a short visit to activate your PR. You have to be living here, not just visiting.

You should have travel insurance. :)

You're not eligible for Medicare if you:

are a permanent resident of Australia and:
have been living outside Australia for 12 months or more, or,
haven’t come back to live in Australia permanently


https://www.humanservices.gov.au/individuals/services/medicare/medicare-entitlement-statement
 

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Actually you're not covered by Medicare even if you enrol, if you are only coming for a short visit to activate your PR. You have to be living here, not just visiting.

You should have travel insurance. :)

You're not eligible for Medicare if you:

are a permanent resident of Australia and:
have been living outside Australia for 12 months or more, or,
haven’t come back to live in Australia permanently


https://www.humanservices.gov.au/individuals/services/medicare/medicare-entitlement-statement
So if one's doing a validation trip, do you recommend going to Medicare for enrollment? OR enroll when he permanently moves to Australia?
 

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So if one's doing a validation trip, do you recommend going to Medicare for enrollment? OR enroll when he permanently moves to Australia?
Best to leave it until the permanent move. :)

There's a thing in Australia called "Lifetime Health Cover". For people over 30, the Government wants to encourage them to take out Private Health Insurance for Hospital cover. Of course you don't have to, you can just have Medicare cover forever.

But many people (more than half the population) do decide (especially if they have a family) that at some time, they want some level of Private Hospital Cover.

To encourage people to get private cover when they are young, if they haven't got private cover by 30, and then decide to get it later one day, the premiums go up by 2% for each year you are over 30.

Let's say you take out Private Health Insurance at 40 years old - you'll pay 20% more for the same cover than someone who started at 30 years old, etc. If you joined later you pay even more.

If you are a new migrant to Australia, and are aged over the LHC deadline (1 July following your 31st birthday), special conditions apply. As a new migrant to Australia you do not have to pay a LHC loading if you take out hospital cover within 12 months of being registered for Medicare. After this time you have to pay a LHC loading of two per cent more for each year you are aged over 30 when you take out hospital cover. As a migrant it is a good idea to consider taking out hospital cover in the first year after you register for Medicare. If you wait and take out hospital cover after this date you will pay more for your hospital cover as the price will also include the LHC loading.

Department of Health | Lifetime Health Cover (LHC) - Factsheet for New Migrants

You can see from the above that the 12 month grace period starts from the time you register for Medicare - so it's best to register for Medicare when you arrive to stay permanently.

Registering on an activation visit still won't cover you during that visit and is actually not supposed to be done anyway, as you're not legally entitled to Medicare at that stage.

So, register for Medicare within the first few days of your permanent arrival date. :)

https://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/lifetimehealthcover.htm

https://www.choice.com.au/money/insurance/health/articles/lifetime-health-cover-loa
 

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Mathan buddy.. you really know how to narrate..just subscribed to the post as I recently got my grant and was browsing to see what next..

The story is same as yours (except I don’t have a kid and have not yet landed in Sydney), coming to Sydney on 19th April.
It feels kinda weird because I too am experiencing the same feelings that you had when you got your grant.. hope we can meet up in Sydney, you will be the EF friend who can ease me through the initial immigration blues 🤣

Cheers...


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Great piece of info! In this case, I would enroll me and fam after I permanently move. Why do we need private health cover, isn't Medicare enough?
 

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Great piece of info! In this case, I would enroll me and fam after I permanently move. Why do we need private health cover, isn't Medicare enough?
You don't exactly "need" private cover. :)

But what it does give you is access to the specialist (doctor) of your choice, but more importantly, much shorter waiting times for non-emergency surgery.

Let's say you needed reconstructive surgery after an accident, or you've been getting stomach pains and need a gastroscopy - whatever it might be, you may face several months wait or longer just with Medicare, where it might take a few weeks or even days with private cover. There's also the option of getting a private room where available, using private hospitals, and getting your choice of specialist doctor.

But Medicare is actually very good for emergencies - in an emergency you won't get treated any better, or faster, with private health insurance. So many (especially single) healthy young people just use Medicare - which is why the health loading exists! ;)

Private Health insurance may also mean additional charges for anaesthesiologists etc which are covered under Medicare, but then again, for elective surgery, do you want you or your loved ones to maybe be in pain for perhaps months more than necessary?

There are two components of Private Health Cover - Hospital (just what it says) and Extras or Ancillary Cover - covers many things outside hospital from glasses and dental to physio and a lot more. With regard to the over-30 loading, only private hospital cover is required to avoid that.

You can (most people don't!) self-insure - put money away each pay for health expenses, save for a rainy day... and you'd most likely be ahead in the long run. But you never know, do you?

I have private cover. I've used it several times for elective procedures.

And I've been admitted to hospital on an emergency basis a couple of times and just used Medicare, even though I have private cover too.

My son needed to go to hospital urgently a while back - my private health cover paid for the ambulance, he got a good specialist immediately, but was treated under Medicare at no cost. Then again, when he was born we wanted the same doctor and a private maternity hospital, so we used the private cover then.

When my then very young daughter crashed into a padded lounge and split her forehead open, it was an emergency admission to hospital. They fixed her up immediately, but she would have had a scar, so they said did she want a little plastic surgery - we said yes, and she got that a couple of days later under private cover, which might have take months under Medicare.

You might be swayed more to private cover if you have a partner and/or kids. Or if you want to avoid the loading and you're over 30.

Or if you have a higher income. Then, the Medicare Levy Surcharge kicks in if you don't have private insurance too.

Let's say you were 35 years old, no private cover, earned $120,000 - your Medicare Levy at tax time would cost you maybe $1400 (depends on your actual taxable income) more. Now you might be able to find a single person, basic private hospital cover for very close to that anyway!

It might be perhaps $3000 a year for basic private hospital cover for a family but you can pay a lot more too, especially if you add separate ancillary cover. Then again, if you have private health cover you can get a rebate (for about 25% for most people), so that reduces the premiums further.

I have top hospital and ancillary cover for my family, and pay about $7500 a year, but I do get the rebate - you can have that taken off each payment or claim it back at tax time.

https://theconversation.com/explainer-why-do-australians-have-private-health-insurance-38788

https://www.doineedhealthinsurance.com.au/

https://www.ato.gov.au/Individuals/...ds-and-rates-for-the-Medicare-levy-surcharge/

https://www.privatehealth.gov.au/healthinsurance/incentivessurcharges/insurancerebate.htm
 

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Hi..jack..just one query though..if you are not enrolling for medicare during the validation trip and due to some emergency you need to visit a hospital or anything..what will be process like..u get registered first automatically at the hosp or u ll have pay for all medical expenses urself..?

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As far as I know, you are not automatically covered by Medicare until you enrol. So in your hypothetical situation, you will have to bear medical expenses. If you want to cover such scenario, it's better to buy travel insurance.

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In my case, I have a private insurance cover from my home country that covers international travel for up to 90 days. The fees covered for the corresponding medical expenses will be based on the home country currency and fee schedule though, and I have to bear the balance, if any. Better than none for the short period when I don't have Medicare yet.

Can check with your existing insurance cover in home country whether you are entitled to something similar.
 

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In my case, I have a private insurance cover from my home country that covers international travel for up to 90 days. The fees covered for the corresponding medical expenses will be based on the home country currency and fee schedule though, and I have to bear the balance, if any. Better than none for the short period when I don't have Medicare yet.

Can check with your existing insurance cover in home country whether you are entitled to something similar.
Insurance from an australian provided will be better than from home country one i belive..given there will lot of hurdles when it comes to claims nd all if its not local one...anyone has previous exp getting a insurance taken locally ..with good coverage for short period..?

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Great insight and Kaju, appreciate your info. The tax rules and health cover rule are too overwhelming for me as I am used to living in tax-free countries. Will improve my knowledge steadily.
 

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I reckon you are doing your validation trip. Please correct me if I am wrong.
Hi Mathan, thanks for sharing your valuable experiences. You had mentioned you carried lot of food items in your initial trip. I am being told by a friend that I cant bring any of food (rice, spice powders, nuts, noodles etc). I thought of bringing it so the kids have it easy. I have to do the validation trip for the entire family as I was given only few months time for initial entry due to my late grant.

Can I really carry some food items or is it a strict no or Australia?
 

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Discussion Starter · #839 ·
If you are bringing food items please declare.

I would suggest better not to, as you get almost all subcontinental ingredients and food in Western suburbs

Hi Mathan, thanks for sharing your valuable experiences. You had mentioned you carried lot of food items in your initial trip. I am being told by a friend that I cant bring any of food (rice, spice powders, nuts, noodles etc). I thought of bringing it so the kids have it easy. I have to do the validation trip for the entire family as I was given only few months time for initial entry due to my late grant.

Can I really carry some food items or is it a strict no or Australia?
 

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All, from what you all have experienced from your move, I would like to have your views on the below:
- Which time of the year is the best to move and any particular reason behind it?
- Which suburb should I target initially keeping in mind that me and my family will be new to the city and we have two children and also wont be mobile so will have to depend on public transport.
- Any do's and don't' that you would recommend?

Thank you.
 
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