澳洲关于Medicare Levy Surcharge和Lifetime Health Cover loading

在澳大利亚税务





请问是不是购买private hospital cover就税务上来说,只对Medicare Levy Surcharge有影响?
像我和老婆加起来收入不超过18万的话,不买private hospital cover是不是也不用交任何Medicare Levy Surcharge?

Lifetime Health Cover loading到底是什么,我听人说是超过30再买private hospital cover,就需要付这个loading,买保险的费用每年增加2%?那我如果30的时候,保费是3600一年的保费,但我没有买,到了40的时候决定买了,保费本身已涨到是4800一年,此外还需再付loading=4800×2%,这样要付10年,之后只要继续买保险就不要再付这2%了。是不是这样理解?

还有Private health insurance (PHI) rebate 是另外打到账户里的?还是在报税给ato的时候直接就抵扣掉了?

能否解答一下,谢谢

评论
楼上的回答不地道,收入是会涨的,过31岁后没有Private Insurance一旦收入超过就要付出累积的Lifetime Health Cover loading

评论

交了Surcharge 就不用交Loading,但是一旦开始交就要算每年额外2%

你家庭收入25万,Surchage 就要 3000,一家的私人保险也就这个价格,为什么不要?笔白交给政府好多了

觉得有理就加分

评论
Who pays Lifetime Health Cover?

If you do not have hospital cover with an Australian registered health fund on your Lifetime Health Cover base day and then decide to take out hospital cover later in life, you will pay a 2% loading on top of your premium for every year you are aged over 30.

In most cases, your Lifetime Health Cover base day is the later of 1 July 2000 or the 1st of July following your 31st birthday.

For example, if you take out hospital cover at age 40 you will pay 20% more than someone who first took out hospital cover at age 30. The maximum loading is 70%.

Once you have paid a LHC loading on your private hospital insurance for 10 continuous years, the loading is removed. Your loading will then remain at 0% as long as you retain your hospital cover; or, if you cancel your cover after the loading is removed, as long as you do not exceed your permitted days without hospital cover (see below).

www.privatehealth.gov.au/healthi ... timehealthcover.htm

评论
Maximum loading 70%跟抢钱差不多,而且这个loading还不享受政府的rebate。

如果收入到的话那没得说一定要买,不然会被收从1%、1.25%或1.5%的medicare levy surcharge,三个坎$90000、$105000、 $140000,家庭这个数乘二,每个小孩再加个$1500。

个人觉得要不就这辈子都不买,要不还是在三十一岁生日后的第一个七月一日前买。

评论

但是牙医呢,还有一些比如眼镜,按摩一类的Rebate 还是有一些的

评论

请问,可不可以30岁之前买上。然后等两个月就取消,再在三年内重新买就不会有loading?这个没保险的三年是怎么算的?从移民开始,累计三年?还是30岁之后可以有三年不买保险?


评论

这些是extra的,跟loading和surcharge无关

评论


从base day 开始之后才能算入这个三年,base day 如何决定如下:

Permitted days without hospital cover

If you have taken up hospital cover on or after your Lifetime Health Cover base day, then you can access the following 'permitted days without hospital cover' during which you don't have an active hospital policy, but your loading does not increase. For most people, your base day is the later of 1  July 2000 or the 1 July after your 31st birthday.

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 2% loading on rejoining private hospital cover. The loading will increase by 2% for every year after that without cover.


新移民的base day:

If you are a new migrant to Australia, then you have until the later of 1 July following your 31st birthday or the first anniversary of your full Medicare registration to take out private hospital cover without incurring a Lifetime Health Cover loading.

以上都是“纸上”看来的,想知道这个的最好办法就是上Private health provider 网上填个quote,或者找他们的online chat.

澳洲中文论坛热点
悉尼部份城铁将封闭一年,华人区受影响!只能乘巴士(组图)
据《逐日电讯报》报导,从明年年中开始,因为从Bankstown和Sydenham的城铁将因Metro South West革新名目而
联邦政客们具有多少房产?
据本月早些时分报导,绿党副首领、参议员Mehreen Faruqi已获准在Port Macquarie联系其房产并建造三栋投资联

税务

税务

父母国内的退休金在澳洲还要被收税么?

澳大利亚理论上退休金也算收入 但是研究了下中澳之间好像也有treaty http://www.austlii.edu.au/au/other/dfat/treaties/1990/45.html Article 18 Pensions Subject to the provisions of paragraph (2) of Article 19, pensions paid to a re ...

税务

朋友转钱给我大额,有风险吗

澳大利亚一朋友打算卖一套小房子,到手有大概小几十个想换成RMB,那正好我也需要澳币,想着说那我们就互换下,想着这中间有什么风险? 可能朋友卖的这套房还是亏损的,也不太需要交cap ...

税务

请问报税时medicare levy 怎么算?

澳大利亚rt,家庭退税2大2小的。 多谢回复,我们家2大一小有私报。小小娃没有。这样的情况请问medicare levy 怎么计算? 多谢! 评论 很简单,taxable income不低于$23,226的话,taxable income的的2%。 评论 ...

税务

在本地没有收入的父母需要申请税号吗?

澳大利亚父母有PR没收入,这种情况下必须申请税号吗?谢谢。 评论 应该不用吧 评论 同问,如果有存款,就有利息,是不是也要缴税,那么就要税号。不知我的理解对吗? 评论 对! 评论 沒有 ...

税务

1993年买的房子,现在如何证明自住豁免CGT?

澳大利亚我有一套1993年购买的自住房,最初自住了半年,之后将其转为投资房出租了5年,随后又恢复自住(适用于6年法则)。然而,由于时间久远,当年的材料并不齐全,目前只剩下零散的几 ...

税务

国内房产血亏两百万,可否申报capital loss

澳大利亚这几个月把国内房产清仓了,总共赔了两百万人民币,明年报税时是不是可以申报capital loss 国内买房时已经是澳洲citizen。 10月15日更新 刚才花了400刀咨询了会计师(包括其他一些税务 ...

税务

请教个人海外收入报税问题

澳大利亚个人收入一直比较单一所以没有用过会计,因为年初刚好从原来工作离职回国休假,国内朋友有一份不错的工作机会就做了半年,因为刚好是澳洲和国内各工作了半年,我在网上自己报 ...

税务

Mygov账户里养老金信息

澳大利亚4月份的时候换了养老金到HostPlus,但直到现在mygov里养老金信息都显示余额是0,知道我转到了HostPlus,但显示not reported 问了HostPlus,说他们定期都会update ATO,这个是ATO的问题,还说一般 ...

税务

Concessional contribution

澳大利亚自己交了2万【税后】到super。 【可能称为personal super contributions更恰当】 现在super里显示就是2万。 报税时,ATO已经在Deduction/Personal Super Contribution里填好了。也是2万。 这个正常吗? 评 ...

税务

请教几个报税的小白问题

澳大利亚请教几个报税的小白问题 出售ETF获得的capital gain是填在Managed fund and trust distributions下面的Capital gains那里,还是填在Capital gains or losses那里。看ato网站解释说前者是指fund distribution has ca ...

税务

換自住房的時候是不是賣了比較好?

澳大利亚最近剛買了一間房子當自住. 在考慮目前的自住房是要賣了還是轉投資房好. 假設在貸款還完的情況下 (沒有利息當 negative gearing). 我的理解是假設自住房2014年 100 萬買, 2024 年漲到 150 萬 ...

税务

收到银行邮件要求confirm tax residency

澳大利亚大家好, 收到NAB银行邮件要求confirm tax residency, 问我这个问题:Are you a redsident of any other country for tax purpose? 请问: 我是否需要声明说我在中国是a redsident for tax purpose?, 如果声明了的话会不会 ...

税务

错误pre filled信息,被税局气到

澳大利亚etax里发现一条pre filled信息,在business里有一笔60多万payment来自suncrop 我没有business,也没收到钱。联系税局让我找Suncorp修改 suncorp回复说他们没有report这个payments,没法修改。税局可以改 ...