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Depending on your visa, Medicare may cover your healthcare. Guidelines are available here by visiting the Department of Human Services (Medicare Australia) website.
However further health insurance is readily available (and often cheaper than other first class countries).
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Online Help - How to choose the right cover for you: -
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Depending on where you are in life, there are features you want from your health cover, and ones you won't - for example, not many 22 year old need hip replacements.
Basically, people looking at PHI fall into 3 categories: -
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Singles,
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Couples, and
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Families.
You could refer to them as Life Stages, and for each one, there's a range of covers to choose from with prices to match.
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There are two types of Private Health Insurance (PHI) cover: -
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Hospital Cover
(The things you need done while you're in there !)
The level of hospital cover you choose determines the types of procedures you're covered for. The higher the level of cover, the more things you will be covered for
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Extras Cover
(Things you can use to stay healthy !)
The type of things you can use to stay healthy, include: -
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Dental Visits,
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Physio Treatments, or
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New Glasses.
Medicare doesn't cover these, so having Extras cover will help pay for the costs. Unlike most health funds, NIB will pay a percentage of the total cost of a providers service charge.
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Extent of Cover: -
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Hospital Cover
The total cost of your stay in hospital depends on the hospital you choose, your Doctors and your specific procedure. If you are able to contact NIB prior to a hospital procedure, NIB can help keep costs down and even avoid out of pocket expenses all together. NIB can also check if you have the right cover for your procedure.
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Extras Cover
With Extras, NIB puts an annual limit on how much they will pay, and/or the number of times you can claim for extras over a certain period of time in a calendar year. At the beginning of each year, your benefit limits are renewed and you can start to claim again. A higher level of cover gives you high limits to claim against.
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To get your NIB Health Insurance Plan simply following the steps below: -
- Visit the NIB / ASA Capital information site and choose the level of cover that meets your needs, or
- Call NIB today on 1800-816-692 or email grouphealth@nib.com.au and discuss your Health Cover needs. (Don't forget to tell them you are joining up through ASA Capital.)
- Complete & sign your docs, send back to NIB and you're done.
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Want to be sure that you meet the criteria for an Australian visa options?
Register online and get the answers NOW!
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