Medicare Australia Reciprocal Health Agreement
If you are eligible for Medicare, you should also consider maintaining your Frank coverage. Your Frank coverage ensures that you are covered for non-essential missions, such as investigations, emergency ambulance services and private hospitalizations. If you are travelling from one of the countries mentioned above, you must register with Medicare before you can receive subsidized health services. For more information on Medicare participation and, if so, how to register, visit the Department of Human Services website. Illnesses and accidents can occur at any time and medical costs in Australia can be very high. Health insurance can help you protect yourself from some of these costs. Mutual health agreements (CORs) have given citizens of certain countries the right to obtain, during a visit to Australia, certain subsidized health services for basic medical treatment. Australian citizens and permanent residents have a public health care system called Medicare, which they pay through their taxes. This means that if they are treated or operated on as public patients in a public hospital, they do not cost a penny. Medicare also subsidizes certain non-hospital treatments and health care costs. Medicare defines medically necessary treatment as any illness or injury that occurs during your stay and requires treatment before returning home.
† out-of-pocket costs can be incurred if you see a doctor who does not make a bulk bill. On the Australian government`s website, you will find specific restrictions or considerations that apply to international students and retirees. Overseas visitors who have reciprocal health agreements may be required to pay the Medicare levy supplement if they exceed the threshold. The Medicare Levy Surcharge (MLS) is a supplement for individuals and higher-income families who are not eligible for hospital coverage. Australia has mutual health agreements with New Zealand, the United Kingdom, the Netherlands, Sweden, Finland, Italy, Norway, Malta, Belgium, Slovenia and Ireland. Each mutual agreement is different and varies in terms of both benefits and eligibility duration. The agreements do not apply to all health services. Some services that are not covered by the agreements are: – treatment that is not immediately necessary, ambulance care, dental care, para medical services, medical evacuation in your home country, burials, treatment and accommodation in private hospitals or as private patients in a public hospital, electoral treatment, pre-ordered treatment before arrival in Australia. This is why it is strongly recommended that all visitors from the countries of mutual insurance take out adequate medical insurance. HICA has developed a number of policies specifically designed for foreign visitors based on the type of visa and the length of your stay in Australia.