Before you visit Australia, it’s important that you understand how the Australian healthcare system works and what this will mean for you when applying for your visa.
On selected visas you're required, as set out by the Department of Immigration and Border Protection, to purchase and maintain adequate health insurance arrangements for yourself and your dependants for the duration of your intended stay in Australia.
All GU Health’s non-resident health cover options have been designed for individuals or families visiting Australia on a visa and they meet the requirements of certain visa conditions.
When purchasing your non-resident cover, GU Health will supply you with a letter that you can provide to the Department of Immigration and Border Protection to confirm you have the appropriate cover for yourself and your family.
As a non-resident, you may have limited access to Medicare benefits. However, if you’re from a country with which Australia has a Reciprocal Health Care Agreement (RHCA), you may have limited Medicare access for essential medical treatment while visiting Australia. This doesn't include treatment that's considered ongoing or elective, or treatment in a private hospital. In addition, you'll not be able to choose your own doctor in hospital.
That’s where GU Health cover helps.
Your non-resident health plan will cover you for treatment that Medicare would otherwise provide to residents. Depending on your level of cover, and where there is an MBS item number, you will receive up to 100 per cent of the cost of medical services you access both in and outside of hospital, including pathology, x-rays and ultrasounds. You'll also be able to claim for hospital accommodation, theatre fees, intensive care, drugs, dressings and other consumables, prostheses (surgically implanted), diagnostic tests and any additional doctor’s fees when you‘re admitted into hospital.
All GU Health RHCA non-resident covers meet government requirements for complying private health insurance. This means that you will receive an annual tax statement to help you apply for exemption from the Medicare Levy Surcharge that may be applicable to you.
As soon as you become eligible for full Medicare entitlements, you should register with Medicare Australia. Once you register, ask for a Lifetime Health Cover letter and then contact us to arrange to transfer to GU Health’s resident cover. You may be eligible for full Medicare entitlements under an interim card while you’re waiting for your resident visa to be approved, so check with Medicare if you're unsure when your full eligibility starts and for further information.
If during the term of your cover, you or a family member on your policy suffer an injury or illness that's considered critical in nature and this prevents you from continuing your employment in Australia, GU Health may pay the cost of your repatriation (under medical supervision if deemed necessary) to your country of origin.
In the unfortunate event of death, the cost of repatriating your mortal remains to your home country may be covered by GU Health, if legally permissible.
We will cover 100 per cent of the cost of one repatriation per membership, per membership year, to a maximum benefit of $20,000. GU Health has the right to assess applications for the repatriation benefit on a case-by-case basis, and payment of the benefit is at our discretion.
We acknowledge Aboriginal and Torres Strait Islander peoples as the Traditional Custodians of the lands where we live, learn and work. GU Health is a business of nib health funds limited ABN 83 000 124 381. Copyright © nib health funds limited 2020.