Family Private Health CarePrivate health care for the family
Two kinds of health insurances exist - general care and general care (extras).
If you are a regular member of the ADF, you have had private health care during your work. When you take out private health care the following morning, there should be no qualifying period for benefit. However, your ADF Transition Coach may make available a health certificate certifying the availability of full health and dentistry care during your assignment.
Medicare Levy Surge is a levy that affects those who earn above a certain income level and do not have private health care coverage. The charge of lifelong health coverage is aimed at encouraging individuals to acquire private health coverage when they are younger, and to remain insured. The Lifetime Health cover is a supplement for those aged 30 who do not take out health care coverage.
Supplement for lifelong health insurance is valid on 1 July after your birthday 31. A 2% extra charge will be levied on your premiums each year you do not have insurance after the 30th year of life, and the charge will not be lifted until you have continued the insurance for 10 years. You will be deemed to be 30 years of age if you registered before 1 July 2000 and left the ADF regardless of your real retirement years.
If, for example, you depart at the tender age of 48, you will be deemed to be 30 years old, so the supplement for lifelong health insurance does not yet count for you. You will be deemed to be of the same legal age as the one in which you registered if you registered after 1 July 2000. So for example, if you join at the tender stage of 24, you'll be regarded as 24 and you won't be wearing Life-time Health Covering Lading yet.
Until 1 July before you reach the age of 31, you have time to take out private health care after your change, before you are deemed not to have health care coverage and then receive a charge on your premium in accordance with the life assurance charging regulations. Unless you take out private health care and therefore don't make any payments, you won't be affected by the lifelong burden regulations.