International Health and Travel insurance is a pretty broad topic, but must be taken into account when planning to leave your home country for a while. Depending on your profile, your needs and your trip, you will be faced with a few questions when looking for travel insurance. This article will not only help you to understand the benefits of getting travel insurance but also give you the tools to make the right choice.
Types of travel insurance
Travel Insurance Companies
Depending on your type of travel, different travel insurance companies would be able to offer you the cover that is best for you and your needs. It is important to compare all of them and find the right one for you. Check the covers, prices, your needs, the services offered. Among those companies, you can have a look at Chapka Insurances, WorldNomads, Go Walkabout, World First Travel Insurance, and Columbus Direct.
For more information: Travel Insurance Companies
Health care system in Australia
Australians are covered by Medicare, the publicly funded health scheme of the country. Australia has signed special agreements with the United Kingdom,the Republic of Ireland, New Zealand, Sweden, the Netherlands, Finland, Italy, Belgium, Norway, Slovenia, Malta. Visitors from these countries are entitled to some subsidised health services for essential medical treatment while visiting Australia. The length of cover depends on your country of origin. For example, if you are a resident of the United Kingdom, Ireland, Sweden, Finland or Norway, you are covered for the entire length of your stay in Australia.
See the list of countries with a Reciprocal Health Care Agreement.
Here are a few examples of consultation fees …
Consultation with a general practitioner: Between 50 and 100 AUD *
Medical specialist: between 100 and 200 AUD *
By the way, to get an appointment with a medical specialist, you will need to go through a general practitioner. The fee is between 200 and 250 AUD.
MRI: Between 200 and 800 AUD *
Hospitalisation: More than 1000 AUD *
* Rates vary by city and medical office
For more information: Australian Health Care System
Why should I get travel insurance?
As zero risk does not exist, it is important to be insured no matter what your destination or the nature of your trip is. When you are going overseas, your national health care system normally doesn’t cover you and credit card insurances do not provide a decent cover. When traveling, you are exposed to a number of risks: sanitary risks (depending on the country and season), loss of luggage, cancellation of flights and many more. For you to travel with peace of mind, it is therefore recommended to get travel insurance!
Depending on your country of origin you may qualify for access to another country’s health care system. Based on the Reciprocal Health Care Agreements (RHCA) between certain countries, some of the costs for necessary health care might be covered while abroad. You should check this before doing your research.
For more information: Why should I get Travel Insurance?
How to choose the best travel insurance?
When going overseas, you need to know what you are going to do in order to choose the right insurance coverage. This means, you need to take into account the type of your trip, your visa, and the countries you are going to visit. To have the best cover possible, your specific needs (disability, medical conditions etc…) also play an important role when choosing your insurance.
For more information: How to choose the best travel insurance?