Can I immigrate to Australia at the age of 42?

As we all know, Australia's medical system is perfect, and the poor can enjoy good medical services without paying.

Family doctor in Australia

In China, when you are sick, you go to the hospital, one today and the other tomorrow. In Australia, don't go to the hospital unless there is an emergency. What you want is a regular family doctor, called gp for short. He will help you see a minor illness, and if he thinks your symptoms need further examination, he will refer you to an expert clinic. It is important to find a good family doctor. No matter how good your English is, it is more convenient to communicate life-related things in Chinese, so I suggest finding someone who can speak Chinese.

There is no fixed family doctor, okay? Not good! A friend of mine bought private medical insurance and suddenly got acute pancreatitis in 1 1 month. I went to a public hospital first, but I was not satisfied with the service there. Because of private medical insurance, I transferred to a private hospital for more than ten days. The service was good and the nurses were beautiful, but the insurance company quit. Private medical insurance usually has a symptomatic waiting period of 12 months, which is to prevent those who know that they are sick before buying insurance. The insurance company just asked my brother and asked your family doctor to issue a certificate. You never had this problem before. My friend was dumbfounded because he never had a regular family doctor. Therefore, no doctor can give him this certificate. This example tells us that it is very useful to find a good family doctor, check with him frequently and have a medical record.

The family doctor may not be able to cure intractable diseases, but he knows who to recommend for you. Once again, family doctors are very important in the Australian medical system. The weight of the letter of recommendation he wrote to you determines your priority in public hospitals. If he says that this patient is estimated to have terminal cancer, he should treat you immediately.

Family doctor's fee

Family doctors can charge as much money as they want. As for whether this has anything to do with his level, I really don't know, because I have been watching Freedom. For the rich, they are willing to spend more money to buy a good service, so every time they see a family doctor, they don't think it is expensive to give themselves 50 yuan. But ordinary people are different.

The government has set a reference price for family doctors, which is about $37 once. This is the money that the government is willing to pay for you every time you go to see a family doctor. If your family doctor charges you 50 dollars, you can pay 13 dollars yourself. In order to prevent ordinary people from paying for their own money, the government put forward something called "batch billing", which basically means that if family doctors agree to use batch billing, the government will give doctors more money for each patient they see. In this way, as long as we ordinary people swipe the medical insurance card, we don't have to pay a penny. So, if you want to find a free family doctor, ask him if he charges in batches.

If your illness requires minor surgery, as long as the family doctor can do it, it will be included in his one-time charge. If you need a blood test and urine test and do some pathological examination, he will transfer you to a special pathological laboratory, such as healthscope, which can usually be detected immediately. Usually these tests are free. If you are not sure, you can ask your family doctor.

Medical expenses

It is not accurate to say that the medical insurance card cannot be exempted from the drug fee, because the cardholder has automatically enjoyed the drug fee discount under the government PBS (Drug Welfare Plan). Most doctors prescribe drugs with government subsidies unless they have to. The so-called "full payment" you paid is actually just "co-payment". For most drugs in pbs, you only need to pay less than $36.9, and the rest will be borne by the government. If you hold a discount card issued by centrelink, you can also get additional government drug subsidies.

There is also a project called pbs safety net. When you or your family spend $ 142 1.2 on pbs drugs within one year (only $360 for preferential price), you are eligible to buy or obtain pbs drugs at a lower price for the rest of the year. Families can include spouses or cohabiting spouses,/kloc-full-time students under 6 years old and under 25 years old.

If it is really a non-government subsidized drug, the general doctor will remind you when prescribing it, and if there is corresponding private insurance, you can reimburse part of the drug cost.

Surgery, non-emergency surgery, treatment

Surgery is to drag you into the operating room a few times. Surgery is divided into emergency and elective. Emergency surgery means that after you are sent to the hospital, you need to have surgery immediately because your life is in danger, so you don't have to wait. Like being hit by a car or suddenly vomiting blood and dying. If you send it to a public hospital, it's free. Private hospitals will save you first and then ask you for money.

Non-emergency surgery can be postponed. Usually, the doctor thinks that your symptoms can last for at least 24 hours without death.

Treatment means that after you are cut in the operating room, you don't need or can't operate, but you have to cure your disease through medical means. For example, tumors are opened first, and then chemotherapy. Mental problems, it doesn't matter if you cut a few knives. What you need is treatment.

The cost of an ambulance

If you have a low-income card, the ambulance is free. If not, unfortunately, in Australia (except Queensland and Tasmania), if you want to use an ambulance or an ambulance, you have to pay for it yourself. If you have insurance, usually the insurance company will pay for you. However, it is not unlimited to pay you a salary. I usually pay it for you once or twice a year (in case you get addicted to flying in a free ambulance ...). To make matters worse, you can't call an ambulance or an ambulance to go home unless you think you are dying. Usually, when you call the emergency number 000, he will ask you some questions. If you answer the wrong one, he will let you take a taxi to the hospital. I can't help it. They have a set of procedures that they can only follow.

Emergency, hospital, outpatient service

If you go to a public hospital because of an emergency, all expenses are free, including food and medicine during hospitalization (note: if you go out, you will have to pay). More importantly, as long as you are an Australian citizen or pr, you are eligible for free treatment in public hospitals. Of course, for non-emergency surgery, it usually takes a long time. For example, if you are diagnosed with a tumor, it is not an emergency operation in Australia (because you will not die immediately). It usually depends on the size and severity of your tumor to decide whether you should have surgery first or the person in front of you. Of course, you can go to a private hospital for surgery at your own expense, which is very fast. Usually it can be done in a few days, but it is normal to spend tens of thousands. So, buy private medical insurance.

In Australia, in addition to emergency, you can go directly to the hospital, otherwise you need the recommendation of your family doctor. The family doctor will write to tell them that you need treatment, and the hospital will arrange it after receiving the notice, and then inform you to go to treatment. If you are admitted to a public hospital and want to stay in the hospital for a few days, you are an inpatient and the fee is free. Sometimes you just need to go to the hospital for a minor operation or special examination (such as gastroscope) that can be completed in one day, and you can be regarded as an inpatient without hospitalization. Free public hospitals always have to queue up, so we sometimes have to go to private hospitals or private expert clinics. If you go to a private hospital, there are two expenses: one is the expenses of a private hospital, including hospitalization expenses, operating room expenses, all medicines used in the hospital, itc (intensive care unit) and so on; The second is the cost of treatment, usually the cost of expert doctors, surgeons, anesthesiologists, etc. The government won't give you the expenses of private hospitals. You have to pay for them yourself. But the government (medical insurance) will help you pay 75% of the treatment costs, and you have to pay 25% of the treatment costs yourself.

Sometimes, you don't need to go to the hospital for treatment, and the family doctor will send you a letter asking you to go to a private expert clinic. If so, you are discharged from the hospital. For patients who are not hospitalized, the government will give you 85% of the expert outpatient expenses, and you will pay 15% yourself. Our government still takes care of us. The government considers that if we often go to private expert clinics, the annual cost may be high. Therefore, he established the medical insurance safety net and expanded the medical insurance safety net. The former means that if you spend $430.9 more on hospitalization expenses than medicare, the government will help you pay the standard service fee when you see a doctor in the future. The service fee is the reference fee set by the government for each different medical service, and doctors may actually charge more. The latter is aimed at this situation. If you actually spend more than $ 1248.7 or $624.438+0 (low-income people) in this year, our lovely government will help you pay 80% out of your own pocket. So, if you reach the level of extended warranty, if your experts can charge you $200, but the reference price of the government is only 120, you only need to pay 16, and the other $64 will be paid by the government.

Why buy private medical insurance?

The reason is related to your income. In fact, free medical care is also a kind of insurance, and the premium is deducted from our income. If you file your own tax returns, you will see something called the medical insurance tax, which accounts for 2% of your income. As long as you have income (after deducting the prescribed deduction), you must pay it. If your income is low, you don't even have to pay this tax, but you can still enjoy medicare free medical care. However, if your income exceeds 88,000 yuan or the income of you and your wife exceeds 1.76 million yuan, then you have to pay 1- 1.5% mls(medicare levy subcharge) on the basis of 2%. How can I not hand in mls? Then you have to buy a private medical insurance. If you are single and earn 90 thousand, buy a cheaper private medical insurance, maybe 900 dollars a year. You can enjoy many discounts if you buy it. If you don't buy it, you will pay the government $900 without any benefits. If it were you, would you do it?

Another reason is that the government encourages people to buy private medical insurance as early as possible when they are young. In fact, the Australian government is still very good, acknowledging the problem of queuing in public hospitals. Encouraging people to buy private medical insurance and go to private hospitals can reduce the burden on public hospitals. However, this is not good. Why pay for it yourself? So the government says that you buy private medical insurance at the age of 3 1 year, and I will help you pay 30% premium every year! At the age of 65, you can also enjoy a 7.5% discount. You can enjoy a 60% discount when you are 70 years old. But if you don't buy at the age of 3 1 and start buying at the age of 4 1, you will have to pay an extra 2% premium for the years you haven't bought. But you still enjoy the discount. This extra premium is called lhc (Lifetime Health Insurance Load).

For example, you came to Australia at the age of 365,438+0, and bought private insurance at the age of 40. If the premium is $65,438+0,000, then the government discount is $300, but you didn't buy it in the previous nine years. 9X2% = 65,438+08%, which means you have to pay 65,438+more. Actually, you need to pay: 1000-300+ 180 = 880 USD.

As long as you buy 10 years, you don't need to pay this premium. For another example, if you start buying at 3 1 year-old, stop buying at 42, and start buying at 65, you can enjoy a 7.5% discount without paying extra premium. Also, if you immigrated to Australia at the age of 42, as long as you buy it within one year after you arrive in Australia, you don't have to pay extra premium and enjoy a 30% discount. But you still have to keep buying 10 years, so you don't have to pay extra lifetime premiums.