Immigrants studying abroad: a comparison of existing welfare between Canada and New Zealand

Canada and New Zealand are both high welfare countries. With the upsurge of studying abroad in recent years, the two countries have become popular choices for international students, and there are not a few international students who want to immigrate through studying abroad. As we all know, Canada has a very perfect social welfare system and an education system that fully embodies the principle of fairness and reasonableness. However, experts studying in the United States and Canada pointed out that there are many practical details for people who want to immigrate to Canada, and they always have to be there and ponder carefully to understand the truth. For example, everyone cares about medical care, unemployment, old-age security and education system. However, New Zealand's welfare system is rarely mentioned. In fact, both countries are Commonwealth countries, and there are many similarities in their systems. Below, according to the existing welfare benefits of the two countries, I will make a comparison for international students who want to study abroad, hoping to bring help to everyone.

medical insurance

Let's talk about medical security first. Many people are told that they can apply for government medical insurance after becoming Canadian immigrants. This insurance comes into effect three months after the immigrants land, and it costs nothing to see a doctor. In fact, the free medical insurance provided by provinces only includes various medical services, consultation fees and hospitalization fees, while the following items are completely self-funded: medical expenses, physical examination for employment and insurance purposes, telephone consultation, cosmetic surgery, artificial limbs, acupuncture and conventional dental treatment (dental expenses are very, very expensive). At the same time, after obtaining the medical insurance qualification, every immigrant must pay the medical insurance fee monthly (some provinces are free) to enjoy this guarantee.

In New Zealand, immigrants rarely buy medical insurance, and the government has no compulsory measures. Here, all public hospitals are free of charge, including medical fees, hospitalization fees, medicine fees and so on. If you have a slight illness, a fever or a cold, you can see a family doctor. If the income is low (below NZD 38,000), 20-25 yuan each time, and more than 12 times a year will be free. The cost of medicine is only 3 yuan per medicine, and the excess is paid by the state for you, and it is also free after you buy medicine for more than a certain number of times every year. Children under the age of 6 are free to see a family doctor, and the medicine fee is free. Children under the age of 6- 16 will have some fees. /kloc-children under 0/6 can see their teeth for free every year. Of course, you have to pay for the medical examination yourself. The above medical benefits are automatically enjoyed by new immigrants as soon as they get off the plane.

unemployment insurance

Let me talk about unemployment insurance. Many new immigrants have the illusion that they have unemployment insurance and can get paid without working in Canada. If this is not an illusion, at least it is an illusion. There are also some conditions for receiving unemployment insurance. First, you have to work for more than 900 hours before you are eligible to apply. Secondly, the collection time varies from a few months to a year, and there is an upper limit on the number of monthly contributions, which is generally about 50% of the salary at the time of entry, and the maximum monthly contribution cannot exceed about 500 yuan. Therefore, for new immigrants, it is precisely in the first six months of their arrival in Canada that they need protection most. There is a simple reason. If they can't find a job, they won't have accumulated working hours and they won't be eligible to apply.

There is no unemployment insurance in New Zealand. If you are unemployed after living in New Zealand for more than two years, you can receive unemployment benefits. There is no time limit (so some people in New Zealand have been receiving unemployment benefits all their lives or even four generations and become social parasites). Just fill in this form twice a year to show whether you have found a job. The weekly unemployment benefit for a family of three is about NZ $ 360-400, depending on the housing rent.

endowment insurance

Many new immigrants have heard that they can receive old-age insurance regularly after 65. But the premise of all this is that you pay the government's old-age insurance fees on time after you have a job. When you are young, you start to register for a retirement savings plan, that is, you take out part of your salary every month and deposit it in a fixed account for investment, and then use it every month after retirement, otherwise it is not enough to rely on the government to issue pensions when you are old.

New Zealand settlers had settled in New Zealand for 65,438+00 years before they were 65 years old. Among them, people who have settled in New Zealand for five years will receive a pension after the age of 55, which has nothing to do with whether you are working or not, that is, you will automatically transfer to a pension after receiving lifelong relief at the age of 65. These are all taxes from nationals. It would be better if you buy another pension yourself, and it won't affect the part that the government gives you.

About studying abroad and immigration

The motivation of some people to emigrate is to give their children a broader space for development and avoid the increasingly fierce competition in China. In Canada, as long as you are over 5 years old, you can choose to attend public schools in your residential area. From kindergarten at the age of 5 to graduating from high school at the age of 17 and 18, all fees are free. If you need to save money for your child's college education, as long as you deposit 2,000 Canadian dollars in a fixed bank account every year, the government will supplement you with 400 Canadian dollars every year until your child 17 years old. Of course, all this money must be used for children to go to college. In view of many advantages, it makes sense to immigrate to Canada for children. However, if a child under the age of five emigrates with his parents, parents must consider letting one of them take care of the child full-time within three or four years. Of course, they can also be sent to a nine-to-five day care center, but the monthly cost is more than 600 Canadian dollars, which may not be affordable for new immigrant families.

Children in New Zealand are also free before they go to college. After they go to college, the government gives their children 180 yuan a weekly grant (new immigrants can enjoy it only after they have settled for two years, but if they have a spouse in 250 yuan, they can borrow the living expenses of each person per week 150 yuan). Tuition can be borrowed, interest is free during study and paid back after work. The government also subsidizes children to attend kindergartens, depending on their income and whether their parents are working or studying. Every family earning less than 40,000 yuan is subsidized by the government to 45 yuan every week, and new immigrants can enjoy it when they get off the plane.

By comparison, we find that immigrants from Canada and New Zealand have their own advantages and disadvantages. American and Canadian experts remind everyone that rights and obligations are always complementary. The premise that every citizen or immigrant enjoys many benefits is that you must serve and contribute to society within your ability.