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Travel Insurance/Medicare

Travel Forums Australia / New Zealand & The Pacific Travel Insurance/Medicare

1. Posted by MrShibby (Budding Member 4 posts) 10y

Hi everyone,

Can you help me with something. I'm off to OZ in October on a 1 year working holiday visa and I need to know about travel insurance/Medicare.

Will I actually need travel insurance if I'm working or will Medicare cover me, which is free :) !

Just trying to avoid paying £200 for travel insurance!

Cheers

2. Posted by MrShibby (Budding Member 4 posts) 10y

Nobody wants to help me? :(

3. Posted by hannah1987 (Budding Member 15 posts) 10y

Hi, i dont really know the answer to your question as im a first time traveller to aus myself. Me and my boyfriend leave for aus on the 2nd Oct for around 1 year. we have taken out travel insurance, which has only cost us £125, it seems like the most sensible idea to be honest, covers the flights and baggage and everything medicare does not, also gives a large amount for hospital fees, which i am unsure what medicare offers. This insurance does also ask that you have enrolled for medicare too, so im not sure, maybe you should take the insurance out, it will be worth it!! Also, do you know how to apply for medicare? i have looked on the website but all i can see is that it says that you have to be an aus citizen? im confused! help me too!! hehe! :)

4. Posted by mojorob (Moderator 1047 posts) 10y

By the looks of the profile, you're from the UK so I'm guessing you're also a British citizen!

Being British, due to a reciprocal agreement you are eligible to apply for a Medicare card while in Australia on a WHM visa - however, the Medicare cover you will get is very limited. You will still need to have your own travel insurance otherwise if anything does happen, you could end up with a large bill!

For example, ambulances are not covered under Medicare, even for Australians I believe.

Medicare is not the same as the NHS in the UK - the NHS tries to do too much (hence all the financial problems and waiting lists).

5. Posted by MrShibby (Budding Member 4 posts) 10y

Quoting mojorob

By the looks of the profile, you're from the UK so I'm guessing you're also a British citizen!

Being British, due to a reciprocal agreement you are eligible to apply for a Medicare card while in Australia on a WHM visa - however, the Medicare cover you will get is very limited. You will still need to have your own travel insurance otherwise if anything does happen, you could end up with a large bill!

For example, ambulances are not covered under Medicare, even for Australians I believe.

Medicare is not the same as the NHS in the UK - the NHS tries to do too much (hence all the financial problems and waiting lists).

Hi mojorob, thanks for the reply. Do you know, if I'm working in OZ, am I paying anything towards their health system? Like we pay national insurance? I'm probably gonna end up doing temp work, so not sure

6. Posted by mojorob (Moderator 1047 posts) 10y

As a WHM visa, you'll be taxed as a non-resident (29% with no tax-free allowance as far as I'm aware). For non-residents I believe the medicare levy of 1.5% is not withheld - so no, you wouldn't be paying to Medicare in that way.

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