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Health Insurance for Visitors to Australia or Temporary Residents.

If you are interested in the recommended Overseas Visitors/Temporary Residents Health Insurance cover outlined below, contact us to receive a detailed brochure/application form.

You should consider Health Cover if you are:

• Visiting Australia from overseas, for work, or an extended holiday
• Here for longer than 1 month

Whilst there are reciprocal Medicare arrangements in place for residents of the UK, New Zealand, Malta, Italy, Sweden, Finland, Ireland and the Netherlands, this Medicare cover excludes the cost of private patient medical and hospital treatment, and elective surgery.

Medical fees are based on the Australian Government Medicare Benefits Schedule (MBS). Under Healthy Travel you receive:

• 100% cover up to the Australian Government schedule of medical fees for hospital medical services provided while you are in hospital.
• 100% cover for accommodation, theatre fees, and other treatments in an agreement private hospital or any public hospital. (Accommodation cover in a non-agreement private hospital will be limited to a maximum of $450 per day.)
• 100% emergency ambulance transportation up to a maximum of $1,000 per membership, per calendar year.
• 100% of fees on Surgical prostheses items specified in Australian Government listing
• Wellplan Rewards

You need to be aware that certain exclusions and waiting periods apply to Healthy Travel:

Waiting periods:

• Immediate cover for hospital and medical benefits, provided you have enrolled prior to or within two (2) weeks of arriving in Australia, otherwise a waiting period of two (2) months applies.
• No benefits will be paid for any illness, ailment or condition shown by medical evidence to exist prior to, or at the time of joining. Further medical evidence may be requested, in determining eligibility for benefits.
• Twelve (12) month waiting period will apply to obstetrics/maternity.

Exclusions:

• Pre-existing illnesses or conditions
• Elective cosmetic surgery (unless required as the result of an accident or surgical scarring while in Australia)
• Any services provided outside Australia
• Outpatient services (hospital facility fees) when not admitted to hospital
• IVF, GIFT and all other treatments for infertility/sterility
• Psychiatric and or rehabilitation programs, (unless required as the result of an accident whilst in Australia)
• Federal Government 30% rebate on Private Health Insurance is not available.
• Pharmacy

Overall Yearly Maximum:

An overall maximum, per calendar year, applies for hospital/medical expenses: $30,000 single/$60,000 family. Yearly maximum is calculated on a calendar year (1st January to 31st December), regardless of the date of joining.

Extras cover:

In addition to the hospital and medical cover offered with Healthy Travel, services such as dental, physiotherapy, optical and naturopathy are covered under Extras cover.

The following extras are offered:

• Basic Extras
• Comprehensive Extras
• Harmony Natural Therapies
• Super Extras

For further information on additional extras cover, please contact us at Health Insurance Advocates

What does Healthy Travel cost?
Healthy Travel cover is available for 3, 6, 9 and 12 month periods. The minimum contribution period is 3 months. Figures displayed are Australian dollars.