Hi guys, bit of a boring subject but anyone have any advice on who to get insurance with!?
Im heading to oz on my own for 12months working and traveling and need all high risk and adventurous activities included eg. sky diving, bungee jumping, white water rapids, diving etc etc etc...???
I leave in 4 days so please help
Compare the market website is where i got my cheapest quote.
Also. have fun only four days you must be getting excited. im glad im not the only one leaving insurance to the last min. I go in six sleeps
I'm a bit confused about this insurance stuff..
I was looking on the immi website and they were talking about a 'recipricol healthcare scheme' that they have with the UK. Ie you can receive treatment for free like in the UK, and Australians can in the UK. It doesn't really specify what this covers though! All well and good getting treatment for a cold but breaking a leg is another matter!
Iv never heard of that scheame before. Doesnit not say what it covers such as dental, accidents, ect?
Look at the part where it says 'Health insurance' - it does say that health insurance is recommended, but that you are eligible for 'Medicare Australia Health Care'
'Access to cover
Reciprocal Health Care Agreements cover treatment that is medically essential. This means any ill-health or injury which occurs while you are in Australia and requires treatment before you return home.'
'Treatment in a hospital
If you receive essential medical treatment as a public patient in a public hospital, you won’t be charged for any treatment or accommodation. Simply show your passport or reciprocal health care card to staff when you arrive at the hospital.
If you elect to be treated as a private patient in a public hospital or as a private patient in a private hospital, you will be charged for both medical treatment and accommodation. These fees can’t be claimed from Medicare.
3. Medical services not covered by Medicare
Medicare will not cover:
•medicine not subsidised under the PBS
•treatment arranged before your visit to Australia
•accommodation and medical treatment in a private hospital
•accommodation and medical treatment as a private patient in a public hospital
•dental examinations and treatment (except specified items introduced for allied health services as part of the Chronic Disease Management (CDM) program
•physiotherapy, occupational therapy, speech therapy, eye therapy, chiropractic services, podiatry or psychology (except specified items introduced for allied health services as part of the CDM program
•acupuncture (unless part of a doctor's consultation)
•glasses and contact lenses
•hearing aids and other appliances
•the cost of prostheses
•medical costs for which someone else is responsible (for example a compensation insurer, an employer, a government or government authority)
•medical services which are not clinically necessary
•surgery solely for cosmetic reasons
•examinations for life insurance, superannuation or membership of a friendly society
You can take out private health insurance to cover many of these services'
Hmmn think travel insurance would be goodbto have as well as that would cover flights, ambulance, lost lyggage, but youbwould have to pay an excess where as that health thing looks like you wont have to pay an excess but only covers illness. im not sure like but thats what it sounds like.
Ah I know you can get a medi card but thought that was more like for GP's.. Confusing