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  1. #21
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    Getting any phi to cut waiting periods out on obstetrics is almost impossible. I'd think at her being 17 weeks already, they wouldn't have luck. I tried it myself and i was only 5 weeks. and i rung everywhere.

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    android  (31-10-2012),Izy  (01-11-2012)

  3. #22
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    Quote Originally Posted by Minchi View Post
    Getting any phi to cut waiting periods out on obstetrics is almost impossible. I'd think at her being 17 weeks already, they wouldn't have luck. I tried it myself and i was only 5 weeks. and i rung everywhere.
    Yes I agree

    I thought it was worth the shot, just to cover all options.

    TBH I think OP's best option is to apply for PR and if they can't get their application ready quickly enough, for his wife to go back and give birth in their home country.

    OP bear in mind that there is cut off dates for your wife to get on a long haul flight.

    I would def give a call to a good immigration lawyer, I can give you a name in Melbourne. They cost $3k (+around $3k for the visa fees) so you'd be $6k out of pocket to get access to Medicare.

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  5. #23
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    thanks very much for the valuable input,

    applying for the a pr right now is not an option ( preparing all the paper work for skills assessment is a nightmare, that's another story)
    my wife is leaving next February by that time she will be 6 months pregnant.

    another question : is the new born covered or is there any waiting period too ?
    Last edited by android; 31-10-2012 at 22:19.

  6. #24
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    Default pregnant without coverage

    Newborn is covered without waiting period if added to policy a certain time before birth. (not due date, the actual date of birth). Check with your phi how long before birth you need to change to family cover. If not added the stated amount of time before birth, the child needs to serve waiting periods.

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    android  (01-11-2012)

  8. #25
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    we have already a family cover, as we have a 3 years old kid,
    to be honest i prefer that she deliver here, but my wife don't see the point of spending such a huge money as she can deliver for free in my country.

  9. #26
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    Android i work in the industry and I can tell you that your circumstances will be very different to what most people experience here.

    The other possibility is continuity from your previous country. Did you have private insurance in your previous country? It's not a certainty but if you previously held cover in your other country and picked up your Australian visitors insurance within 2 months of it expiring your fund may recognise waiting periods previously served with the other fund.

  10. #27
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    Since your insurance here is already family, you will not have to pay extra to add your newest addition to your membership. This also means you can add baby on from their date of birth. No need to add them before they are born.

    Some funds will waive all waiting periods for a baby born into the fund regardless of any outstanding waits the parents have. Some funds will consider the baby to have started serving waits with it's parents. You will have to check YOUR fund.

  11. #28
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    Quote Originally Posted by Nomsie's No1 Fan View Post
    Android i work in the industry and I can tell you that your circumstances will be very different to what most people experience here.

    The other possibility is continuity from your previous country. Did you have private insurance in your previous country? It's not a certainty but if you previously held cover in your other country and picked up your Australian visitors insurance within 2 months of it expiring your fund may recognise waiting periods previously served with the other fund.
    i come from a "socialist" country we don't have a PHI at all, we payed "2" dollars for a c-section ( the quality of the service is another subject)

    i will check with medibank for their policy for the new born child

    thanks again

  12. #29
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    You may have an admission that only lasts one night, or be able to opt for a private home birth with a private midwife. You'd likely be out of pocket only a few thousand if there were no complication.

    But your wife is right too. The potential for costs to blow out is huge since you have no medicare and it seems no insurance. A transfer to hospital could be very very costly. The funds will not give much on the waiting periods either. Traditionally only a week or two. Can I ask when the 12months is up vs due date?

    The prices that were quoted to you sound like very basic overnight charges. If your wife suffers complications the fees may be higher. If your baby needs to be admitted to special care... well the prices truly reflect the high level of care and precision needed. It makes your wifes overnight charge look like spare change.
    Last edited by Izy; 01-11-2012 at 22:50.

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  14. #30
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    ok- based on that.... it's really a gamble as far as how much you are going to pay. The positive news is that if Medibank add your baby with no waiting periods (I'm 99% certain they do- but they're the opposition so you HAVE to check) any special care nursery costs should be covered by the fund.

    This means your only out of pockets will be your wife's bills not your baby's.

    If we look at things as a very basic view assuming no waiting periods for baby...

    1 - You fly back to the other country- have to pay for the airfares but not much else. Family has to be separated for quite some time leading up to birth and a bit after and you're not that fussed on the quality of care.

    2- You stay here- You pay for your wifes admission costs. Starting from around $6000 (count your dr + the medical facility) Could escalate. Possible doctors gap fees for baby but no facility/hospital expenses. You get to have your wife and newborn close to you and your current child. And we have a WONDERFUL standard of care.


 

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