U can still receive treatment in public hospital if u no $. However there are limited spaces so there is a queue. The more life threatening illness go to top of list.
Private health insurance allows u to jump queue. There is still some out of pocket expenses, maybe a couple of Ks.
If u no $ and old, govt will take care of u. Pensions if u can still live alone. Home care if u need help ie someone will come n help with housework/cooking a few hours a day or week. Aged care home/old folks home if u no longer can take care. If u no $, the govt will cover the costs. Benefits are based on how much $ u have in EPF/super.
Of course this is current system will change as the gov is running out of $ to take care of the growing number of old folk.

Thanks. I have a clearer picture now.

As soon as we landed my wife had medical issue, visited doctor, straight away doctor send to MRI , this scan that scan all FOC , because it was considered serious so jump que , surgery done , outcome was good and follow up was excellent. All FOC thanks to medicare.

Yes there is a que, but it depends on area and also priority, they dont give a f if you black white blue or particular religion.

i have no complains because without private health insurance in malaysia i would not have received similar treatment from my birth country gov hospital

Yes, you're covered under medicare coz it's part of centrelink welfare.
if u're old and no money, there's a place for u in aged care centre. I've been visiting aged care centre lately. some of them lived 100 yo. they're having fun there.

yeap, my wife just had operation last year for the cyst in ovary. had the scanning FOC. however the queue is sometimes took u months to slot u in.
that's why need to check the hospital with less crowded. if u're heading city centre, definitely will took longer. i always go to a little bit futher drive like 40min out of city to do check up. took me weeks nia.
not too sangkala area like driving hours is not worth it.

A family member had swelling in her ovaries. Needed surgery. Spent 3 days in private hospital.
Costs:
Hospital - $500 (excess, the balance covered by private health insurance).
Hospital room is like 5* hotel.
Surgeon - $1500

In MY, relative had surgery in university hospital.
Costs - 10K RM
Hospital ward - 6 in a room. Shared toilet had no hot water and no toilet roll.

What a huge difference.

yeah so if you those medical or investment linked you can surrender but for life, you can just keep but one day you will also buy life insurance in oz so will you pay both sides ?

for my family definitely, they need as much cash as possible in my absence

Nope. An average employee pays about 28% on their taxes.Here, the tax bracket can go up to 49% for individual. Thats way higher than malaysia, max 24% of your rm100k income. That is just the main tax. Not include the GST from other shopping + 10% more, levy for services.

Malaysia tax still lower.

Big income earner got to offset the tax by using negative gearing, which keep property price high.

A slight oversimplification. U pay 45% only for every $1 ABOVE $180K (which is not what 'normal' ppl earn anyway).
Also for lower income earners, there are tax rebates for ppl with families, rental assistance etc.

Another way of offsetting tax is to buy an expensive car, tax-free....

This post has been edited by shazam7: May 6 2016, 09:20 AM

When I told my Aussie friends of the no toilet paper in many local places just using their own hands, they thought I was joking.

Yeah, wait until u got RM100k income per annum then u won't migrate dy....
u forgot the expenses of GST my friend.

I went back few weeks ago, walking along the street realised my stomachache and wanna pang sai, rush into the chinese cafe, alahai.....toilet is squatting pan, wet and the worst is no paper !!!! I came out again and saw there's a small plastic box filled with napkins, grab the whole box and rush back for a relieve.....
I forgot that there's no toilet paper provided in malaysia.....sigh...later on that day i bought i big whole pack of small packet tissue in the car

RM100k/annum not enough bro...

that's why i only pangsai at home, emergency also try to find hotel

sometimes emergency where got hotel nearby.....?!?unless like the hotel penginapan where bangla and indon like to go...i dun even dare to go in
that's why i always keep toilet roll in the car when i was working in KL long ago but time passed and forgot this event already...i wonder how they use hand....

good point... my car tissue finished already, better refill

Was surprised to find out even public toilets in rural ares got toilet rolls when I first went there.

Then after balik always forgot to bring along tissue, and not all toilets are usable (look at the toilet seat!)

using malaysia's toilet need kung fu. check out the scenario below:-

Scenario 1:-
squatting pan is the most hygienic. assuming u got toilet paper on your left hand, playing i-phone on your right hand. it may took a while for you to squat say 15min to 30min. make sure your legs are strong and your blood flow is good. make sure you don't drop your i-phone in the hole...once done, stand up slowly....real slow so that you won't fainted in the toilet or else no one gonna save you in there!

Scenario 2:-
toilet suite but without toilet seat pan. this need a good kungfu skill. either you squat on top of the toilet suite OR.....you sit half way in the air make sure your butt not touching the toilet suite surface. this kungfu need 2nd grade to perform. don't play2

Scenario 3:-
toilet suite with toilet seat pan = no toilet seat pan. most of this happen is that even the toilet seat pan is there but you would see the foot prints on top. means that there's some other kungfu bloke perform their kungfu before you.

Scenario 4:-
sometimes you would find there's a 'submarine' cannot submerge and emerging even you flush it many times. this reminds me of Malaysia Scorpene scandals....now where's the mongolian girl?

I never leave home without my ic, money and aeon toilet roll in Malaysia.