CFL is not designed to replace private health insurance. For example, they don`t cover things like care in private hospitals, ambulance services, or extras like dental, physio, and optical services. A full list of exclusions can be found on the Australian Government website. You are treated as if you were an inhabitant of the country concerned. As a general rule, these agreements apply to British nationals living in the United Kingdom. If you are not a UK citizen, you may still be insured for reduced or free treatment if you normally live in the UK. The CEF does not apply outside the European Economic Area and Switzerland. Be sure to mention the mutual health agreement with the UK and have all the necessary evidence when you have access to healthcare. It`s also important to note that even if you`re covered by an RHCA, you may still need to have health insurance to meet your visa requirements. The United Kingdom has mutual health agreements with several non-EEA countries and territories. If you plan to live or work in one of the countries of the mutual agreement, the information contained in the following links may not apply. Australia has mutual health agreements with – New Zealand, the United Kingdom, the Netherlands, Sweden, Finland, Italy, Norway, Malta, Belgium, Slovenia and Ireland. Each agreement is different and differs in both benefits and duration of eligibility.
The agreements do not apply to all health services. If you would like to benefit from our free assessment/promotion service, we ask you to fill out an assessment form so that we can provide you with our professional recommendations and offers for policies that best meet your specific needs Ask the hospital or doctor if reimbursement is possible. Note: Mutual health agreements with the following countries were denounced in 2016: if you exchange the words “UK” or “Australian” for “New Zealand” and the words “New Zealand” for “UK” or “Australian” in the corresponding summaries above, you will see what the agreements will say about the claims of New Zealand citizens and residence visa holders in these countries. Illnesses and accidents can occur at any time and medical costs in Australia can be very high. Health insurance can help protect you from some of these costs. * Medicare defines medically necessary treatment as any illness or injury that occurs during your stay and requires treatment before returning home. † costs may be incurred if you consult a doctor who does not charge mass.. .