This article provides information and links to resources that will help you understand the Australian Health System.
The Australian Government funds three major national health schemes, Medicare, the Pharmaceutical Benefits Scheme (PBS) and the 30% Private Health Insurance Rebate. These are funded via taxes and the income based Medicare Levy.
Get Medicare after you arrive. See how to below.
Australian residents are proactively encouraged to take out Private Health Cover (Health Insurance) to compliment Medicare services, including the 30% Health Insurance Rebate:
Let us know in the comments section below if there is anything else you need to know we will do some research and add it to our online resources if possible.
Medicare is a publicly funded universal health care scheme in Australia. Operated by the government authority Medicare Australia, Medicare is the primary funder of health care in Australia, funding primary health care for Australian citizens and permanent residents (except for those on Norfolk Island).
Residents are entitled to subsidised treatment from medical practitioners, eligible midwives, nurse practitioners and allied health professionals who have been issued a Medicare provider number, and can also obtain free treatment in public hospitals.
Find more information on Medicare Australia here.
If you are making plans to move to Australia, applying for health insurance is an important part of the process. Aside from that, it’s always a good idea to prepare for the unexpected.
In Australia, the public health system Medicare covers most Australian residents for health care. However, Medicare does not cover everything and you can choose to take out private health insurance to give yourself a wider range of health care options and more comprehensive cover.
There are two types of health insurance: hospital & general treatment (ancillary or extras). You can buy them separately or most funds offer combined policies. There will be limitations on what and when you can claim with any policy you buy.
Click here to get a competitive health insurance quote instantly, including different cover options.
The Private Health Insurance Rebate is a federal government subsidy for the cost of insurance, while the Lifetime Health Cover rules are designed to encourage people to purchase private health cover earlier and to stay covered. The Medicare Levy Surcharge is a tax that affects people earning above a certain threshold who don’t hold private hospital cover.
If you are in Australia on a temporary student visa or if you are applying for a visa subclass 457, it is a visa condition that you take out private health cover. If you are visiting Australia on any other visa, you should consider taking out some cover for the duration of your stay.
Private health insurance is important because there are things Australia’s Medicare system does not cover. The same reasons you have Health Insurance in New Zealand apply in Australia.
With Health Insurance you’ll get access to elective surgery, probably with your choice of doctor, in the comfort of a private hospital without having to wait months or even years.
In Australia, the taxpayer-funded Medicare health care system covers many medical, hospital and pharmaceutical costs. Under this system you can be treated as a public patient, at no charge, in a public hospital by a doctor appointed by the hospital.
However, as a public patient, you have to wait your turn and you are at the mercy of waiting lists for doctors and procedures. The same as in New Zealand.
The benefits of private health insurance include a greater choice of doctor than you would get in the public system, access to a private hospital that might be more comfortable than the public one, and probably a shorter wait for some forms of elective (non-urgent) surgery.
In the public system, if you need elective rather than emergency surgery you may have to wait months or even years. But with private health insurance you may be able to have elective surgery within weeks, possibly at a time and place convenient to you.
In addition, some forms of health care are not available for free in the public system. You have to meet the costs of your regular visits to the dentist, for instance.
Depending on the policy you take out, and within the annual maximum payouts set by the policy, private health insurance can cover costs such as:
If there is anything else you would like to know about, please ask me a question using the below comment system and I will do my best to find the information you need.
Hi… I’m JJ Smith.
I’m the creator and editor of Moving to Australia and have been for 10 years! I know everything there is to know about New Zealanders moving their families and life to Australia. Either from first hand experiences and research or through the questions from visitors to this website… and I’m here to help!
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Wendy
January 24, 2020 at 11:54 pmHi JJ,
Thank you, your blog is very informative.
I’m looking at studying in Aus but was told as a NZ citizen if I get a Health Card I will qualify for a concession on the fees
Is a Medicare Card a Health Card?
Would appreciate your assistance.
Kind Regards
Wendy
JJ Smith
February 4, 2020 at 11:57 pmHi Wendy,
Thank you for your email. Sorry for the delay in replaying.
I have not come across this before but it looks like the advice you have been given is correct. And a Australia Health Card is different from Medicare.
Here is the info on the Health Care Card on the Australian Government website, including eligibility: https://www.servicesaustralia.gov.au/individuals/services/centrelink/health-care-card/who-can-get-card.
Can you please let me know how you get on so I can pass the advise onto other New Zealanders moving to Australia?
Please feel free to email me back any further questions you have.
Good luck with your move.
Michelle
December 10, 2019 at 10:46 pmHiya! Awesome website. Loads of info! But, we have a son diagnosed with autism, and would love more information on what Australia can offer us. Currently in NZ there are waiting lists for months for services. We are entitled to a few supports, a disability allowance and paid for carer support hours. Does Australia offer these to NZers. Any info at all that you might have would be appreciated.
Kind regards, Michelle
JJ Smith
December 10, 2019 at 10:47 pmHi Michelle,
Thanks for your email.
I’ve been doing a lot of research but unfortunately haven’t come up against anything positive.
National Disability Insurance Scheme (NDIS) services are restricted to Australian citizens, permanent residents and Protected Special Category Visa-holders (PSCVs). New Zealanders residing in Australia as non-protected Special Category Visa-holders (SCVs) are temporary residents under the Migration Act when it comes to disability help.
Here is the NDIS eligibility checklist: https://www.ndis.gov.au/applying-access-ndis/am-i-eligible.
If you have any questions regarding eligibility, you can contact the National Disability Insurance Agency directly on 1800 800 110 to submit an Access Request Form, or visit the national NDIS website (http://www.ndis.gov.au/).
You can search for autism support on Google by the state you plan on moving to, as each state has it’s own rules and regulations.
Sorry I couldn’t be of more help.
Sean
November 24, 2019 at 11:45 pmHi my wife and I are in the final stages of preparing our move to Brisbane. 10yrs ago we moved Brisbane and lived there for over 4yrs. While there i became sick and I was in and out of Brisbane Hospital and I recieved the required medical treatment. When I got well enough to fly we moved back to New Zealand and since moving back I’ve had more medical procedures which now require me to have medical infusions every 8 weeks. From what I’ve read and the information I have found, my infusions should continue as per normal if living in Australia. But I still have my doubts about it. I have to have infliximab infusions every 8 weeks in a hospital. I really need to know if this will be covered under the repricol agreement that New Zealand has with australia. It looks as thou it is, but I need this clarified more. I’m hoping my previous time in Brisbane hospital will help me get the treatment I need now in Australia.
Thanks for your time. Look forward to your reply.
JJ Smith
November 24, 2019 at 11:47 pmHi Sean,
Thank you for your email.
Sorry but I have not had personal experience with this so can only recommend what I personally would do if in your position.
Therefore I recommend contacting Brisbane hospital and confirm with them. You can also ask whoever is treating you in NZ, as they may know.
Sorry I can not be of more help.
Good luck with your move.
Kathy Hunter
August 20, 2019 at 12:46 amHi, I’m a Kiwi and my husband’s an Australian. I’ve got multiple sclerosis, I was diagnosed with it here in NZ nine years ago and have been on what they call a “disease modifying drug” for the past two years. It is fully funded for me here. My husband and I often talk about moving back to Aussie but I’m not sure I would be eligible to have this treatment there. I haven’t asked my neurologist about it yet – I will do if we get more serious about moving back, but wondered if you might know anything about it?
Thank you x
JJ Smith
August 21, 2019 at 11:33 pmHi Kathy,
Thank you for your comment.
Unfortunately I can’t find anything online that answers your question.
You will need to talk to your neurologist. You will be able to get Medicare and private health insurance. You just need to know if the drug is available and funded in Australia.
Please feel free to email me back any further questions you have.
Good luck with your move.
John and Wendy
July 23, 2019 at 9:56 pmHi JJ,
Love your informative website…
Question please…. We are a couple in our early 70’s considering retirement on Sunshine Coast.
We know we can get Australian pension and medicare card – and probably health card…
If we need medical treatment for a pre existing condition at hospital are we automatically covered for that ?
Regards John and Wendy
JJ Smith
July 23, 2019 at 9:58 pmHi John and Wendy,
Thank you for your email.
I have looked into this before and can’t find any exclusions for pre-existing medical conditions with Medicare, which is what will cover you.
I would recommend you look into private health insurance in relation to your medical requirements: https://www.movingtoaustralia.co.nz/private-health-insurance/.
BTW the Sunshine Coast is a beautiful place to retire. I’m sure you will love the warm weather and beautiful coast.
Please feel free to email me back any further questions you have.
Good luck with your move.
John and Wendy
July 24, 2019 at 10:48 pmThank you JJ….
Another question please…
When we sell he Auckland house we will have a total amount of cash in which to purchase a house and land complete package , plus a surplus which will be classed as assets when assessing whether or not we qualify for full age pension in Queensland.
The amount that will be left over after house purchase is less that the maximum you are allowed without affecting pension.
Your articles say you must apply for the Australian age pension within 4 weeks if arriving and being paid NZ Super…
How will this work , so as not to affect the pension calculation in Queensland?
Thanks
JJ Smith
July 24, 2019 at 10:50 pmHi John and Wendy,
I’m guessing you completed the asset test on this link: https://www.humanservices.gov.au/individuals/services/centrelink/age-pension/how-much-you-can-get/assets-test.
Unfortunately I am not a specialist in this area. I have only gathered all the info I can find on the internet.
Therefore I recommend you get in touch with Work and Income: https://www.workandincome.govt.nz/about-work-and-income/contact-us/international-services.html.
If they can’t help then you will need to contact Centerlink and ask them: https://www.humanservices.gov.au/individuals/contact-us.
Thanks
Tina
May 23, 2019 at 12:41 amHi,
My name is Tina and was born and still living in New Zealand. My two kids and I are moving to Australia. Can you please help me and tell me what I need to do or make sure I have done before leaving New Zealand, for eg, do I need a letter from my family doctors? If so, what kind of letter?
And any other proof I’ll also need to take with me to Australia? Do I need to fill out some forms/papers before leaving NZ?
Thank you for your help.
JJ Smith
May 23, 2019 at 12:43 amHi Tina,
Thank you for your comment.
Start here with this post: https://www.movingtoaustralia.co.nz/moving-to-australia-process/. It outlines what you need to do before you leave and after you arrive in Australia.
Also read this article and make sure you have all the paperwork you need before you leave Australia, especially to make up your 100 points of identification: https://www.movingtoaustralia.co.nz/australian-real-estate/.
Please email me back any specific questions you have.
Good luck with your move.
Sara
May 8, 2019 at 3:05 amHi, loving your website! It sure is God sent 🙂
With transfer of medical records what kind of records do I actually need to obtain and is this generally an electronic process or will I have to carry around hard copies of everything?
Thank you for your help and time.
Sara
JJ Smith
May 8, 2019 at 11:39 pmHi Sara,
Thank you for your comment and lovely compliment.
Most doctors now have electronic records and it should be simple request. People change doctors all the time and their records are transferred. However, you will need to take your plunket books if your children are still young.
Good luck with your move.
Sara
May 14, 2019 at 4:40 pmHi again,
Thank you for your help.
I can’t seem to find anything here on aged pension benefits for say my parents if they want to move soon after us. Are they eligible for the pension in Australia? Are you able to shed some light on this topic please? Sorry if asking in the wrong section.
JJ Smith
May 26, 2019 at 9:49 pmHi Sara,
I’ve had a lot of enquiries regarding the Australia Age Pension so I’ve written this post: https://www.movingtoaustralia.co.nz/can-a-nz-citizen-get-an-australian-benefit-or-pension/.
Let me know if you have any further questions.
Good luck with your move.
Anna
April 29, 2019 at 10:15 pmHi there,
We are looking at moving to Brisbane, Australia from New Zealand, I will be 34 weeks pregnant, while in NZ I’m eligible for paid maternity pay (as I have been working right up) do you know if there is any type of maternity pay I will be eligible for?
Kind Regards,
Anna
JJ Smith
April 29, 2019 at 10:21 pmHi Anna,
Thank you for your message.
Great news is that yes you are able to get Australia’s equivalent of NZ’s paid maternity leave.
It’s quite different to NZ so I’ve written this post that will hopefully answer all your questions: https://www.movingtoaustralia.co.nz/new-zealanders-having-a-baby-in-australia/.
If there is anything I haven’t covered please email me back.
Good luck with your move.
Anna
April 30, 2019 at 10:37 pmSorry! Another question.
Paid leave in Australia, I can’t seem to follow how this works. Is it a weekly amount or lump sum?
Kind Regards,
Anna
JJ Smith
April 30, 2019 at 10:39 pmHi Anna,
Australia maternity leave is not as straight up as the NZ one. You get $550 upfront and a weekly payment for 13 weeks.
The amount you receive depends on how many children you have and your family’s income. The maximum amount you can receive for your first child is $1,649.83. For subsequent children the maximum amount is $550.55.
Here is a link to the Department of Human Services website, where you can find out how much you can get: https://www.humanservices.gov.au/individuals/services/centrelink/family-tax-benefit/how-much-you-can-get. Unfortunately there is no easy to use calculator, you have to figure out each section based on your families income.
Just to confirm you can receive the NZ maternity leave instead of the Australian option if it works out better for you.
Happy to answer any further questions that pop up.
JJ Smith
June 5, 2019 at 10:05 pmHi Anna,
If your C-section isn’t elective and you need one then Medicare will cover your costs.
If you give birth using the public hospital system, your costs will be covered by Medicare. Read this article: https://www.finder.com.au/health-insurance-cesarean-section.
From all the info I’ve read online, the main downside of going public is that you will probably end up sharing a room, rather than private, getting your own room.
You can get a no obligation private health insurance quote here: https://migration.bupa.com.au/.
I would recommend you to call Pregnancy, Birth and Baby on 1800 882 436 to speak to a maternal child health nurse, but they aren’t funded to talk to people outside. If you have family over there, they might be able to call on your behalf. Their website is pretty good: https://www.pregnancybirthbaby.org.au/caesarean, but did not cover costs.
Congratulations on the sale of your home! Make sure you read this article on foreign exchange, as you will want to keep as much of your money as possible when transferring it to Australia: https://www.movingtoaustralia.co.nz/foreign-exchange-money-transfer/.
Please let me know if I can help in any other way.
Thanks
Ben
December 3, 2018 at 8:49 pmHi,
My wife and I are expecting next year around July and we wanna have the baby in Brisbane. What are the chances of this happening for us working around annual and maternity leaves as well as doctors check ups.
Note that my wife is Australian originally from Brisbane so she has family there hence why she is wanting to give birth there but we live and work in Auckland and are trying to figure out how we are gonna make this work.
Plus will she be able to receive financial support from the govt there after she has given birth?
Any advice please?
Kind Regards,
Ben
JJ Smith
December 3, 2018 at 8:51 pmHi Ben,
Thanks for your enquiry.
Did you see this post on having a baby in Australia: https://www.movingtoaustralia.co.nz/new-zealanders-having-a-baby-in-australia/.
In Australia you receive antenatal care from your GP, midwife or obstetrician, so you will need to apply for Medicare when you arrive at your local Medicare office.
You are eligible for Government support after having the baby. The current schemes are the Newborn Upfront Payment and Newborn Supplement. Here is a link to the Australian Government site with all the info including payment rates, claiming and additional resources: https://www.humanservices.gov.au/individuals/services/centrelink/newborn-upfront-payment-and-newborn-supplement. My post does cover the above too.
Please have a read of the above and let me know if you still have any questions.
Thanks,
JJ Smith
Jackson
March 8, 2019 at 10:27 pmHi JJ,
First of all congratulations for the beautiful work with your blog helping kiwis moving to Australia. .
we are thinking of moving to Australia and we have some doubts.
One of them is about health. My wife is totally healthy but she is at “high risk of cancer” because of her family history, (the only thing she needs to do early I ts a mammogram just follow up), do you know if this would be a problem to apply for our residency in Australia?
Many thanks in advance.
Jackson
JJ Smith
March 12, 2019 at 12:57 amHi Jackson,
Thank you for your comment.
This is a hard one for me to answer since I am not an immigration specialist and if you want to know 100% you will need to ask one. You can find an immigration specialist on the Australian Government website, Migration Agents Registration Authority (https://www.mara.gov.au/).
However, I would say it would have more bearing on your health care needs while in Australia, e.g. Medicare and private health insurance:
– https://www.movingtoaustralia.co.nz/medicare-australia/
– https://www.movingtoaustralia.co.nz/private-health-insurance/
In fact from my research it looks like Australia is well ahead of NZ in the cancer treatments they offer:
– https://www.radionz.co.nz/news/national/352041/cancer-sufferers-want-oz-treatments-i-want-to-live
– https://www.radionz.co.nz/news/national/350693/australia-ahead-of-nz-in-cancer-survival-rates
Sorry I couldn’t be of more help.
Good luck with your move
Sarah Goldsmith
August 26, 2015 at 5:16 amHi team, great website resource. I just wondered if you could let me know what an NZ citizens entitlement to maternity leave is and if midwife care is full funded? I doubt I will have worked in AU for a year or more (definitely will have in NZ though) when we move. Hubby is an AU citizen so I’m not sure if that will help.
JJ Smith
August 26, 2015 at 7:01 amHi Sarah,
Thank you for your enquiry.
You are automatically entitled to the baby bonus, which works out very similar to maternity leave. You do not need to have worked for a certain period of time, you just need to have your baby in Australia. You can read more about it here: http://www.humanservices.gov.au/customer/services/centrelink/newborn-upfront-payment-and-newborn-supplement.
I recommend you read the information on the below page, which covers before you baby is born, when your baby is born and after the baby is born and tools and extra information: http://www.humanservices.gov.au/customer/subjects/having-a-baby.
Good luck with your move.
Ryan Wilson
July 5, 2015 at 11:59 amHi there,
We are moving to Melbourne this August and we just want to ask about SCV and Medicare. Me and my wife are just resident here in New Zealand but our 4 months old baby is a New Zealand citizen, will she be eligible for Medicare? and is SCV automatically granted once she entered Australia? My wife and I have working visa to enter Australia.
Thanks,
Ryan
JJ Smith
July 6, 2015 at 4:59 amHi Ryan,
Thank you for your enquiry.
Yes your daughter will be granted a SCV on entry and is eligible for Medicare.
You can find more information on Medicare enrolment for New Zealand citizens here http://www.humanservices.gov.au/customer/enablers/medicare/medicare-card/medicare-enrolment-for-new-zealand-citizens, including the Medicare enrollment application form.
On a personal note, I took my month old son to the Brisbane hospital and found the service amazing, much better than Auckland, and it was completely free, even before I applied for Medicare.
Good luck with your move.
Suzanne Cochrane
February 13, 2015 at 11:57 pmHi there myself & husband & 3 children plan on moving to australia. Can you advise me if we should take Private Healthcare ? Or is Healthcare for British Citizens living in Australia provided?
JJ Smith
February 16, 2015 at 8:53 amHi Suzanne,
Thank you for your enquiry.
Do you have private healthcare in NZ? Australia works pretty similar to New Zealand.
Medicare does cover some things, generally what is also free in NZ, but for anything extra you will need private healthcare.
Click here for more information on Health Insurance in Australia, how to join and what different cover options are and how much they cost.
Hope the above answers your questions.
Bridget
May 13, 2014 at 4:08 amHi there, we are moving to perth around xmas this year long term with my Husband and hoping to start a family the year after as I’m a nz cit will there be any help with pre and post birthcare or do we need health insurance this is the only part I’m worrying about can you please help with any info.
JJ Smith
May 14, 2014 at 6:38 amHi Bridget,
Thank you for your enquiry.
After searching/readi ng for half an hour I have not found an answer to your question. It might pay to call Medicare or a pregnancy care provider and ask them.
However, you might be able to find some useful information on the Australian Government website regarding having a baby in Australia: http://www.humanservices.gov.au/customer/subjects/having-a-baby.
Good luck and please let me know what you get on.
Vasa
March 25, 2014 at 2:19 pmI have a three year old daughter that is up to date with her immunizations in New Zealand. She will be moving over in a month, and going straight into Daycare. I understand there are certain Immunization requirements to have access to Child Care benefits, Repayments etc..
Is there a difference between NZ’s Immunization standards and Australian Childhood Immunization? i.e: Will she need additional vaccines before coming to Australia?
JJ Smith
March 26, 2014 at 4:33 amHi Vasa,
Thank you for your enquiry.
Unfortunately I have no knowledge on immunisations in Australia and can’t find the answer on the web.
I recommend contacting a childcare in the area you are moving to, as they will be able to answer your question easily.
However, you will need to apply for Medicare. You need to apply in person at a Medicare office. It is recommended you wait one week after your arrival in Australia before applying, to allow time for Medicare to receive your visa details from the Department of Immigration and Multicultural and Indigenous Affairs. Please take your passport or travel document with you.
Good luck with your move.
Mary
November 29, 2013 at 9:44 pmMy husband has a New Zealand Passport I’m on a British passport and we will be moving to Australia in March (husband) / April (myself and baby) next year. I am due to have our fist child in January.
I am concerned how soon we (the baby and myself) would be eligible to medicare cover for things such as childhood immunizations as we will be arriving potentially just before the next set are due. I will be applying initially for a working visa then longer term for permanent residency and the baby under my visa. I was advised that as a British citizen I should have reciprocal medicare eligibility but it seems very hard to get definitive answers.
My husband has an offer of salaried work starting in March.
Thank you in advance for any advice or even advice on where to go to seek more answers!
JJ Smith
December 2, 2013 at 7:59 amHi Mary,
Thank you for your email.
I believe you and your child are covered by Medicare. However, I would definitely recommend contacting them directly on +61 131 673 (International Services call centre).
Please let me know how you get on.
Danielle
June 7, 2013 at 2:18 pmHi
Do you know if Kiwi’s living in Australia are entitled to paid maternity leave if they have worked in Australia prior to going on leave?
Regards
Danielle
JJ Smith
June 10, 2013 at 9:19 amHi Danielle,
Thank you for your enquiry.
There are a lot of factors that need to be taken into account with Australian Parental Leave Pay.
You can find all the information on the Australian Government Department of Human Services website: http://www.humanservices.gov.au/customer/services/centrelink/parental-leave-pay.
It is probably easiest to simply give them a call 136 150 or visit one of their service centres.
Please comment again on how you get on to help other visitors to the site.
Thanks
Jamie Single
March 6, 2013 at 12:01 pmWe are moving to Brisbane in June with our three children. One has spina bifida. What we need to know is about accessing nappies, catheters etc and if we will have to pay for them. Also we were wondering about his wheelchair etc, will we need to buy one ourselves or is it the same as here in nz where they are provided.
JJ Smith
March 12, 2013 at 3:36 amGood morning,
Thank you for your comment.
This is quite a specialised area that I do not know much about sorry.
I recommend you do some Google searching and see what you find. Then join some Australia online community websites, where you can ask questions and talk to parents who would be able to help.
Below are some resources I find in the search ‘help for parents with a Spina bifida child Australia’:
– Australian Baby Center community website, where you can ask questions and find support: http://community.babycenter.com/groups/a3825/spina_bifida_kids
– Spina Bifida Implications for schools: http://www.physicalasanything.com.au/lo/spinaBifida_050/spinaBifida_02.htm
Also when I searched ‘government support for kids Spina bifida australia’. However, you will have to check/search for information in the territory you are looking at moving into:
– Spina Bifida Association Listservs bring people together online to discuss topics such as parenting a child with spina bifida and growing up with spina bifida: http://www.spinabifidaassociation.org/site/c.evKRI7OXIoJ8H/b.8028963/k.BE67/Home.htm
I hope this has helped in some way.
Good Luck.
Donna
January 13, 2013 at 2:13 amGood morning,
I have an 11yr old son with Cystic Fibrosis, a genetic life long condition that requires regular hospital admissions. Would he still be able to access the public system in Australia if we move there?
Thanks Donna
JJ Smith
May 24, 2018 at 1:51 amGood morning Donna,
Thank you for your comment.
You should be able to get Medicare cover which will cover you for hospital admissions. However, it would not hurt to call them and discuss you circumstances with them, as they will be able to give you the best advice. Call Centrelink for free on 0800 441 248, they will be able to give you Medicare advice.
Please let me know how you get on as this information may also help others.
Kind Regards,
MTA Team
Kara
April 16, 2012 at 5:13 amHi,
Is this definitely available to all SCV NZ’ers or just those wanting perm.residence in Australia? In regards to medical insurance, is there a website that compares all the different options/costs available that you could recommend…
Thanks again
JJ Smith
May 1, 2012 at 6:29 amHi Kara,
Thank you for your enquiry.
Yes, Medicare is available to all New Zealanders living and working in Australia, because of the Special Category Visa (SCV).
Have you had a look at the Australia Government site on health insurance? This site allows you to compare health insurance policies (http://www.privatehealth.gov.au/dynamic/compare.aspx). It is a very helpful tool.
Please let me know if you require further information.
Kind Regards,
MTA Team