If I can access Medicare why do I need private health insurance too?
If you’re covered by an RHCA, you’ll have access to some Medicare services when you’re in Australia, but it’s important to know that Medicare doesn’t cover all health services. So it’s a good idea to get private health insurance for your peace of mind.
If your HCF insurance includes extras cover you may also be able to claim for services that Medicare doesn’t cover like dental treatment, physiotherapy, glasses and contact lenses, acupuncture, Chinese herbal medicine and more.
All levels of HCF Overseas Visitors Cover also include emergency ambulance cover, which is not covered by Medicare.
If you are eligible for Medicare under a RHCA and earn over $90,000 per year, you may be subject to the Medicare Levy Surcharge (MLS) an additional Australian taxation levy that help funds Medicare. Overseas Visitors Cover will not exempt you from the MLS however we can offer a product that will, so please contact our Overseas Visitors Helpline on 13 68 42 for more information.
To find out if you will be impacted by the MLS visit www.ato.gov.au