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The public healthcare system (Medicare)
Medicare is the public health system that gives some Australian residents free or discounted health services. If you’re from a country with a Reciprocal Health Care Agreement (RHCA^) you might receive some Medicare benefits, which may be known as Reciprocal Medicare.
The private healthcare system
The private healthcare system (which Medibank is part of) complements the public healthcare system, or if you’re not eligible for Medicare, it helps replace it.
Medibank provides private health insurance (also known as overseas health cover) to overseas students, visitors and workers to help with the cost of services provided in the private healthcare system. This includes emergency ambulance trips and a range of treatments as a private patient in a private or a public hospital.
Understanding waiting periods
All health funds have waiting periods. In short, a waiting period is a period of time you need to wait after taking out your cover before you can receive benefits for services or items covered.
What are out-of-pocket expenses?
An out-of-pocket expense is the money you pay for hospital, medical or extras service or item that are not repaid by Medibank. Find out more about possible out-of-pocket expenses.
Need some help?
We’re here to help you choose the health cover that matches your needs while you’re in Australia. Contact Medibank how it suits you; online 24/7, WeChat, in-store or by phone.
Things you should know
^ If you’re from a country that has a Reciprocal Health Care Agreement (RHCA) with Australia, you might receive some Medicare (public healthcare system) benefits. This may be known as Reciprocal Medicare. These benefits could include free basic medical services and emergency treatment. They won’t include things like emergency ambulance trips, dental work or private patient hospital costs (you need overseas health cover to receive benefits for these)
While we hope you find this information helpful, please note that it is general in nature. It is not health advice, and is not tailored to meet your individual health needs. You should always consult a trusted health professional before making decisions about your health care. While we have prepared the information carefully, we can’t guarantee that it is accurate, complete or up-to-date. And while we may mention goods or services provided by others, we aren’t specifically endorsing them and can’t accept responsibility for them. For these reasons we are unable to accept responsibility for any loss that may be sustained from acting on this information (subject to applicable consumer guarantees).
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