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Health & Insurance in Australia


 

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If you are planning travel to Australia, it's strongly advisable, before your trip you must ensure insurance for accidents and sickness. Likewise don't forget to carry a list of emergency numbers and hospital contact information.

That's why, before your trip, you must be informed about Health Travel Insurance, for example: Did you know that...? whether you fall ill or are injured while traveling abroad, your medical plan may not cover all the expenses you will incur. If the costs of treatment get to be higher than the maximums of your medical plan, you will be responsible to pay for the difference, unless you have already purchased travel insurance. In addition you may not even be admitted to enter in some hospitals, without proof that you have health or medical insurance.

Statutory and private health insurance

In Australia, there are two kind of insurance systems:
State health insurance.

The Australia's government offers Health Insurance in Australia, in the form of Medicare scheme, financed largely from general taxation revenue, which includes a Medicare levy based on a person's taxable income.

Medicare is pretended to provide affordable treatment by doctors and in public hospitals for all citizens and permanent residents. Residents with a Medicare card can receive subsidised medicines and treatment from doctors. All of visitors from countries which have reciprocal arrangements with Australia have limited access to Medicare. Don't forgetting that Medicare does not cover everything, and it does not pay the total cost for most services or supplies that are covered.

The amount of your coverage is also dependent on whether you have coverage under Medicare Part A (typically pays for your inpatient hospital expenses ), Medicare Part B (typically covers your outpatient health care expenses including doctor fees).

Note: Your insurance company will give you a health insurance card, which you have to take with you whenever you visit a doctor, dentist or specialist.

Private health insurance

The insurance that is provide by the private health operator cover the costs of being a private patient in a private or public clinic, medical costs of hospitalization, and expenses of some services not covered under Medicare system (such as ambulance, natural therapies and private dental care).

The system of health insurance funds provide hospital covers and ancillary covers and a combination of these.Only the organizations registered under the National Health Act 1953 can provide private health insurance.

In Australia, there are two types of private health funds:

  • restricted membership organisations (aimed at specific people: employees of a particular firm or industry) and
  • funds open to the general public.

The Private Health Insurance Administration Council, a statutory authority, in charge registering and monitoring private health insurance funds. A voluntary, self-regulatory industry code called the Private Health Insurance Code of Conduct is included to by private health insurance providers.

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Health & Insurance in Australia
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