Expat Insurance Service in Balcatta, Western Australia | Insurance broker

Expat Insurance Service

Locality: Balcatta, Western Australia

Phone: +61 8 9273 1384

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14.01.2022 https://www.expatinsuranceservice.com.au/does-internationa/

11.01.2022 Do I need international health insurance (expat insurance) when reciprocal health care agreements are in place? Australia has reciprocal health care agreements with 11 countries; these agreements are in place to allow Australians visiting these countries to get publicly funded medical care. Each agreement is slightly different and is generally limited to emergency care or treatment for an illness or injury that cant wait until you return home. There are also certain conditio...ns that must be met in order to access services under the agreements. Australia has a reciprocal health care agreement with the United Kingdom, however, to have your medical cost covered the treatment must occur within 6 months of your arrival in the country. Therefore if you are planning on living in the UK, you may not be able to access these services under the agreement and may have to pay for your treatment. What services are not included under the agreements? The services not accessible under the agreements are different for each of the 11 countries, therefore you should familiarise yourself with the agreements with the country to which you are travelling: For example: The agreement with Norway does not cover students, Sweden does not cover the daily fees for staying in hospital and Finland does not cover fees for out-patient care. So do I need expat insurance when agreements are in place? Yes, most agreements will only include treatment within the first 6 months of arrival as they are designed for travellers, not for those living abroad for an extended period. Also the agreements are designed to provide emergency treatment, so if your condition is deemed not urgent enough to be treated you may be denied treatment under the agreement and need to pay the cost of the care provided.