Giới thiệu thêm một loại bảo hiểm y tế dành cho visa 462

Hôm nay mình sẽ viết bài ngắn gọn thôi, nội dung chủ yếu sẽ là về bảo hiểm y tế dành cho visa 462. Lần trước mình đã giới thiệu cho các bạn bảo hiểm y tế OVHC tại Úc, tuy nhiên bảo hiểm đó có thể hơi mắc so với túi tiền của nhiều bạn, đặc biệt là những bạn mới sang chưa kiếm được việc làm. Hôm nay mình sẽ giới thiệu một loại bảo hiểm khác rẻ hơn, phải nói là rẻ như bèo luôn. Tất nhiên là không thể so sánh với bảo hiểm OVHC được vì tiền nào của nấy. Nhưng nói chung là có thể yên tâm về chất lượng.

Trước tiên các bạn có thể đọc thêm một số bài viết khác về bảo hiểm tại đây để tự giải đáp một số thắc mắc trước khi thắc mắc thêm nhiều thắc mắc khác 😀

Mua bảo hiểm y tế tại Úc dành cho visa Lao Động Kỳ Nghỉ

Hướng dẫn cách mua bảo hiểm y tế OVHC tại Úc online

Bảo hiểm y tế dành cho visa 462 tại Úc

Ok tiếp theo vào phần chính. Loại bảo hiểm mình muốn giới thiệu hôm nay gọi là bảo hiểm BUPA.

Các bạn có thể vô link sau để biết thêm thông tin về bảo hiểm này: TẠI ĐÂY

Sau khi vào link bên trên thì các bạn sẽ thấy giao diện như hình dưới đây. Các bạn chọn theo nhu cầu của bản thân là Single hay Couple. Tất nhiên là Couple sẽ rẻ hơn cho nên mình khuyên các bạn có thể tìm một bạn nào đó cùng mua bảo hiểm sẽ có lợi hơn. Tiếp theo các bạn điền tháng và năm sinh, chọn địa điểm tỉnh bang mà bạn sẽ đến sống, chọn Country là Vietnam, chọn visa type là 462 Work and Holiday như hình.

Sau khi chọn xong thì giao diện sẽ hiện ra như dưới đây. MÌnh chọn đại Single 26 years old sống tại bang Victory thì giá hiện ra là $11.33 cho một tuần. Khá rẻ phải không nào? Nếu các bạn chọn Couple thì sẽ rẻ hơn một chút xíu.

Các bạn có thể mua và pay trực tiếp trên trang web bằng thẻ thanh toán quốc tế luôn nhé. Cũng khá tiện lợi cho bạn nào muốn mua sẵn bảo hiểm trước khi đặt chân đến Úc.

Để biết thêm chi tiết về loại bảo hiểm này cover và không cover những gì thì mời bạn tự nghiên cứu phần tiếng anh dưới đây. Vì quá dài nên mình ngại dịch, nhưng theo mình thì nó có khá đầy đủ những lợi ích cho người sử dụng bảo hiểm. Nhớ đọc kĩ nhé, vì nhiều khi nó chỉ pay cho những nơi nó chỉ định hoặc dịch vụ xe cứu thương mà nó chỉ định thôi.

Các bạn có thể tham gia nhóm Hành trình Working Holiday Australia trên Facebook tại đây. Trên group có rất nhiều bạn đã xin được visa rồi sẽ giúp đỡ tư vấn cho các bạn đến sau xin được loại visa này từ Đại Sứ Quán Úc nhé: Bấm vào đây để tham gia Group

Chúc các bạn luôn mạnh khỏe không phải sử dụng đến bảo hiểm nhé.

What is covered?

Hospital costs

With private hospital cover, you can choose to be treated as a private patient in either a public or a private hospital.

What if I am treated in a Members First or Network Hospital?

Depending on your level of cover you are fully covered as a private patient in most hospitals that Bupa has an agreement with known as Members First and Network hospitals across Australia for any treatment which is recognised by Medicare and is not either restricted or excluded under your cover.

A small number of these hospitals may charge a fixed daily fee, capped at a maximum number of days per stay. The hospital should inform you of this fee when you make a booking. This fee is in addition to any excess you may have as part of your hospital cover.

When admitted to hospital, in most cases you will be covered for in-hospital charges when provided as part of your in-hospital treatment including:

• accommodation for overnight or same-day stays
• operating theatre, intensive care and labour ward fees
• reimbursement on emergency department facility fees at any public or private hospital, if admitted (or in all circumstances depending on your level of cover)
• supplied pharmacy items approved by the Pharmaceutical Benefits Scheme (PBS)
• physiotherapy, occupational therapy, speech therapy and other allied health services
• a surgically implanted prosthesis up to the Government minimum benefit published in the Government’s Prosthesis List
• private room where available.^

^Conditions apply. Contact us for more information.

Members First day facilities

If you are treated in a Members First day facility, there are no out-of-pocket expenses for medical services (eg your specialist’s fees). (Any co-payment or excess related to your level of cover will still apply).

We recommend you call us first before making a booking to confirm that your hospital of choice gives you certainty of full cover. We can also discuss any excess that may be applicable to your level of cover. You can find out if a hospital has an agreement with us by checking bupa.com.au/find-a-provider.

What happens if I choose to be a private patient in a public hospital or go to a private hospital that doesn’t have an agreement with Bupa?

With us, if you elect to be treated as a private patient in a public hospital or are admitted to a non-agreement private hospital, you are covered as set out below for any treatment recognised by Medicare unless it is excluded or restricted under your cover. If you choose to be treated as a private patient in a public hospital you are entitled to choose your doctor, if they are available. Depending on your illness or condition, this may be the same doctor who would have been allocated to you by the hospital as a public patient.

In a non-agreement private hospital, you are responsible for the cost of your stay and may be charged directly for your hospital accommodation, doctor’s services (including diagnostic tests), surgically implanted prostheses (eg artificial hips) and personal expenses such as TV hire and telephone calls. Some of these hospitals bill Bupa directly for the benefits we pay for your hospital stay under your policy.

The amount we will pay towards your accommodation in a non-agreement private hospital is limited to a minimum shared room benefit. For a non-agreement private hospital this will only partially cover the full cost and you will have significant out-of-pocket expenses. If you request a single room in a non-agreement private hospital, and you receive one, you will incur out-of-pocket expenses as the hospital may charge you more for the room than the benefit that Bupa pays. It is important to note that in public hospitals, single rooms are generally allocated to people who medically need them the most. If required we will also cover any prostheses that are surgically implanted in you during your hospital stay up to the minimum benefit listed on the Government’s Prostheses List.

We will cover you for your in-hospital medical costs incurred during an admission in public or non-agreement hospital in the same way as set out under the heading “Inpatient Medical Costs” below.

The hospital and the treating doctor should let you know what you’ll be billed for and how much you will be charged, ie they should obtain your Informed Financial Consent before you receive the treatment – if they don’t, make sure to ask for full details. Call us to confirm what benefits we’ll pay for your public hospital or non-agreement private hospital stay.

Inpatient medical costs

These are the fees charged by your doctor, surgeon, anesthetist or other specialist for any treatment given to you when you are admitted to a hospital as an inpatient. Put simply, we pay 100% of a schedule fee or 100% of the cost of inpatient medical fees. Depending on your level of cover, we cover you for either the Australian Medical Association (AMA) Schedule fee or the Medicare Benefits Schedule (MBS) fee, or the full cost of treatment. The schedule fees mentioned above are the fees determined by the AMA and the Federal Government respectively, as the appropriate fee for a specific service.

Please check your product summary to determine the benefits that apply.

Outpatient medical costs

This is cover for any treatment you receive from a doctor or specialist in private practice, or as an outpatient (ie where you are not admitted into hospital) anywhere in Australia.

Depending on what is set out in your level of cover we cover you for 100% to 150% of the Medicare Benefits Schedule (MBS) fee or 100% of the MBS Scheduled fee for Outpatient costs. The MBS fee is set for each specific service by the Federal Government. Outpatient medical cover is available on most of our visitors covers. Please check your product summary to determine the benefits that apply.

Outpatient pharmacy benefit

You can also receive benefits on selected pharmacy items prescribed as an outpatient or by a doctor or specialist. Please check your product summary to determine the benefits that apply.

Excess

On selected covers there may be an excess option which may lower the amount that you pay for your cover. Excesses are only payable on overnight and same-day inpatient hospital admissions in any hospital.

• The total excess amount is paid each time a person on your membership is admitted into hospital, to a maximum of once per person and twice per membership each calendar year unless otherwise specified.
• If the total excess amount for an individual is not reached in a single hospital admission, the remaining balance of that excess is payable in any subsequent hospital admission.
• No excess applies to your dependent children. Please contact us for further details.

What is not covered?

Hospital costs

Situations when you are likely not to be covered include:

• during a waiting period
• when a service is excluded from your level of cover
• when a service is covered as a minimum benefit and you are admitted to a private hospital, you will not be covered above the minimum benefit
• labour ward fees on Short Stay Visitors Cover
• when you are treated at a non-agreement hospital you will not be fully covered
• for the fixed fee charged by a fixed fee hospital or a hospital that has a fixed fee service. This does not apply to Ultimate Corporate Visitors Cover as any fixed fee will be reimbursed
• depending on your level of cover, if you have not been admitted into a hospital and are treated as an outpatient (eg emergency room treatment, outpatient ante-natal consultations with an obstetrician) you may not be covered
• for psychiatric and rehabilitation day programs, at a hospital Bupa does not have an agreement with
• hospital treatment provided by a practitioner not authorised by a hospital to provide that treatment
• hospital treatment for which Medicare pays no benefit, including: medical costs in relation to surgical podiatry (including the fees charged by the podiatric surgeon); cosmetic surgery where not clinically necessary; respite care; experimental treatment and/or any treatment/procedure not approved by the Medical Services Advisory Committee (MSAC)
• personal expenses such as: pay TV, non-local phone calls, newspapers, boarder fees, meals ordered for your visitors, hairdressing and any other personal expenses charged to you unless included in your cover
• if you are in hospital for more than 35 days and you have been classified as a ‘nursing home type’ patient. In this situation you may receive limited benefits and be required to make a personal contribution towards the cost of your care
• some hospital-subsititute treatment and operative services that are a continuation of care associated with an early discharge from hospital
• for pharmacy items not opened at the point of leaving the hospital unless covered on your visitors or extras cover
• if you choose to use your own allied health provider (eg chiropractors, dieticians or psychologists) rather than the hospital’s practitioner for services that form part of your in-hospital treatment
• where compensation, damages or benefits may be claimed by another source (eg workers compensation)
• for any amount charged by a public or non-agreement hospital which is not covered by us or which is above the benefit that we pay
• for any treatment or service rendered outside Australia
• for any treatments arranged in advance of your arrival in Australia
• Non-PBS, high cost drugs
• if you do not hold a valid visa at the time of admission to hospital and for the duration of your hospital stay.

Medical costs

You will not be covered for:

• medical services for surgical procedures performed by a dentist, surgical podiatrist, or any other practitioner or service that is not eligible for a rebate through Medicare
• costs for medical examinations, x-rays, inoculation or vaccinations and other treatments required relating to acquiring a visa for entry into Australia or permanent residency visa.

Minimum benefits

Some visitors covers have minimum benefits for specific services for the duration of the cover.

A minimum benefit means you will generally receive cover equivalent to shared room minimum benefit payable for an Australian resident. Services paid at minimum benefits will generally not cover all hospital costs and are likely to result in significant out-of-pocket hospital costs in private and public hospitals.

Please check your product summary to determine if minimum benefits apply.

Waiting periods – Hospital

A waiting period is the time between the latter of your arrival in Australia or the start date of your membership and when you are covered for a service or treatment. If you receive a service or treatment during a waiting period, you are not eligible to receive a benefit payment from us, regardless of when you submit the claim. Different waiting periods apply for different services.

Please note: you commence serving your waiting periods from the date you arrive into Australia, and not the start date.

Psychiatric, rehabilitation and palliative care – 1 year

Understanding your ambulance cover

Emergency ambulance cover

As part of your cover you receive unlimited emergency only ambulance cover for emergency ambulance air and road transportation and on-the-spot emergency treatment by a Recognised Ambulance Provider.

You’ll receive cover for ambulance transport with an approved ambulance service where medically necessary for admission to hospital or for Emergency Treatment. You’re not covered for non-emergency transportation from a hospital to your home, a nursing home or another hospital. Whether the transportation is deemed an emergency is determined by the paramedic and usually recorded on the account.

If you need to make a claim for emergency ambulance benefits, we will give you a Patient Ambulance Transportation Form to complete.

Transportation means a journey from the place where immediate medical treatment is sought to the casualty department of a receiving hospital.

Recognised Ambulance Providers

Bupa will only pay benefits towards ambulance services when they are provided by any of the following recognised providers:

• ACT Ambulance Service
• Ambulance Service of NSW
• Ambulance Victoria
• Queensland Ambulance Service
• South Australia Ambulance Service
• St John Ambulance Service NT
• St John Ambulance Service WA
• Tasmanian Ambulance Service.