Moving to Australia is an exciting journey, but understanding the healthcare system as a newcomer is essential, especially when it comes to health insurance. While Australia offers a world-class medical system, not all migrants are automatically eligible for free public healthcare (Medicare). Depending on your visa type, length of stay, and employment, you may need to arrange your own health insurance before or soon after arrival.
Here’s a breakdown to help you know if you need health insurance and which type might be right for you.
1. Migrants on Temporary Visas- Yes, You Definitely Need Cover
If you are arriving on a temporary visa (like a student, working holiday, or temporary work visa), you are not eligible for Medicare unless you are from a country with a reciprocal healthcare agreement.
- You will need Overseas Visitors Health Cover (OVHC) or
- Overseas Student Health Cover (OSHC) for student visa holders
Without private health insurance, you may have to pay the full cost of medical treatment, which can be expensive in Australia.
2. Permanent Residents and Skilled Migrants – It Depends on Eligibility Timing
If you are coming on a permanent residency visa (e.g., skilled migrant, family reunion), you may be eligible for Medicare but only once your PR is activated and you have received your Medicare card.
- Until that happens, it’s recommended to have travel insurance or short-term visitor cover.
- Once eligible, you can access public hospital care, GP visits, and subsidised medicines under Medicare.
Tip: Apply for Medicare as soon as you land and carry temporary private cover in the meantime.
3. New Zealand Citizens – Limited Access, But Consider Extra
New Zealand citizens automatically get access to some Medicare services under the Trans-Tasman Agreement, but it’s limited compared to PR holders.
You can use public hospitals
You are not covered for ambulance, dental, or extras
That’s why many Kiwi migrants opt for extras health insurance to cover optical, physio, and dental, or get private hospital cover for faster access.
4. Family Migrants or Aged Parent Visas – Consider Health Loadings & Waiting Periods
If you are arriving under family or contributory parent visas, private health insurance is often a visa condition, especially if you are not yet eligible for Medicare.
🔸 Some visa applicants may face Medicare waiting periods
🔸 You may be asked to hold private insurance as part of visa approval
It’s essential to plan this in advance and compare hospital vs extras cover, especially if you’re over 50 and expect ongoing healthcare needs.
5. Why You Shouldn’t Skip Health Insurance as a New Migrant
Even if you’re young and healthy, accidents happen and without cover, hospital bills can run into thousands of dollars. Ambulance services, dental treatment, and even GP visits can be expensive for those without Medicare.
Health insurance protects you during the crucial settling-in period, and having the right cover ensures:
- Quicker access to treatment
- Peace of mind during emergencies
- Compliance with your visa conditions
Final Takeaway: What Should You Do?
- Check your visa type and Medicare eligibility
- Apply for Medicare ASAP if eligible
- Consider temporary health insurance (OVHC, OSHC) to bridge the gap
- If you’re on a long-term visa, compare private hospital and extras cover
