很长一段时间不在澳洲，我的理解是在海外也不能被cover即使有私险，不如取消。但取消以后再买回就要交那个loading了吗？但是人不在境内买了就是白花钱啊！
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不在澳洲可以suspend，回来了以后再resume
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只要每两年缴一个月的费用就可以hold，回来后可以续上
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因为刚转了保险，居然说要买多长时间以上才能suspend,不然只能cancel.于是cancel了。
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回来后需要找同家续上吗？还是随便哪个都行？
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我想是要同一家的，不过过段时间应该就可以转别家了
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你说的这个2年之内是在哪看到的啊？
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哪家价格都差不多，最好别瞎转，否则累计的annual bonus没了不说，好多项目还要重新累计waiting
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打电话问的，并且已经办好了
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取消了就要交的
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哪家保险？还是这个是保险业的规定？
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我们的是BUPA，是不是行规，这个就不知道了。
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什么是annualbounus啊
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在海外还要买澳洲保险，一点都不合理啊
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suspend
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在privatehealth.gov.au上有下面的说明。我的理解概括为：每个人一生可以有累计1094天没有私保，不影响loading. 如果不在澳洲居住可以暂停或者取消保险，不影响loading.如果是取消了，每次回澳洲90天内没有保险也没有影响，超过90天没有保险就要算在1094天里。
当然实际操作怎么做不清楚，至少得保留好之前有保险的证据，以及之后没在澳洲的证据吧。
Gaps in cover - to cover small gaps, such as switching from one fund to another, you are able to be without hospital cover for periods totalling 1094 days (i.e. three years less one day) during your lifetime, without affecting your loading. This is known as 'Days of Absence'.
If you use up your Days of Absence - that is, you have a total gap period of 1095 days - you will pay a loading on rejoining private hospital cover. The loading is an additional 2% on top of any previous loading, and will increase by 2% for every year after the 1094 days without cover.
Suspension of membership - if you apply to your health fund to suspend your hospital cover for a short period (for example, to travel overseas for a holiday), and the fund agrees, this period of suspension isn't counted towards your 1094 days of absence. Suspension terms and conditions vary from fund to fund, so check with your fund as to whether you can suspend your policy.
Going overseas - if you cancel your hospital insurance after your Lifetime Health Cover base day in order to go overseas for at least one continuous year, the days you spend outside of Australia aren't counted towards the 1094 Days of Absence. You are able to return to Australia for periods of up to 90 consecutive days, per visit, and are still considered to be overseas. Any periods of 90 days or more which you spend in Australia will be deducted from the 1094 Days of Absence.
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出境超过一段时间可以暂停保险，这段期间不用缴费，也不占用1094的免loading时间，回来开通直接可用。如果你是medibank的可以私信我帮你搞定。
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私信你了，帮我弄下吧。谢谢
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可以停很久的，不过基本上最少一个月
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请问这个包括143移民来的父母私人保险吗？就是一年买一个月，他们也只在澳洲住一个月，回去了就SUSPEND？
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