Is your health covered overseas?

There’s plenty of information out there about health insurance for short-term travellers, but what about Australians moving overseas?

Whether you’re going for a short visit or a multi-year stay, it’s important that you know what sort of health care issues you may encounter while travelling in a different country.

Reciprocal agreement
The Australian Government has a reciprocal health care agreement with a number of countries. This means while visiting one of these nations, you’ll be able to access basic medical treatments, just as you would at a public hospital here in Australia.

While abroad in a covered country, you will either have essential treatments covered or you’ll receive a portion of out-of-pocket expenses in a rebate.

Currently, the nations which have a reciprocal agreement with Australia are New Zealand, the UK, the Republic of Ireland, Sweden, the Netherlands, Finland, Italy, Belgium, Malta, Slovenia and Norway.

Elsewhere in the world
Unfortunately, if you plan on visiting a country which is not on this list, you will need to find alternative ways to cover your health care expenses. This is not an uncommon experience, since some of the most popular travel destinations for Australians include countries such as the US, or countries in Asia.

Health care restrictions shouldn’t stop you from taking a holiday or business trip to another nation. That’s why private health insurance helps. You can find travel insurance or a private health fund which will cover you while you travel, meaning you’ll have peace of mind while on your trip.

Using a health insurance comparison website will make it easier for you to choose your plan. You’ll be able to see what sort of treatments will be covered while you’re travelling and how much you’ll have to pay in premiums.