Moving to Australia from New Zealand?

Get all information you need to make a successful and stress-free move across the ditch.

How you apply for medicare Australia, what are you entitled to, what are the costs of healthcare, medicines through PBS, and more?

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.

As an NZ Citizen, you are eligible for Medicare Australia. However, you need to either live in Australia for 6 months or provide proof that you’ll be living there for the next 6 months.

I’ve been advised by mutliple visitors that there is a 2 to 3 months wait for Medicare applications to be processed. This is inconsistant with their website, which states 16 calendar days to process an application from the date they recieve it.

They do state that, some applications may take longer if the Department of Health and Aged Care need to assess them.

Therefore, get your application ready to go before you leave NZ and apply asap when you arrive in Australia. However, make sure you application is complete (see below).

The info you will find below in this post:

Medicare Enrollment for NZ Citizens

To enroll in Medicare Australia, you must first demonstrate that you are either living in Australia or have moved there permanently. The requirements for enrollment are as follows:

  • provide proof you’ll be living here for 6 months or more
  • have lived in Australia for 6 months or more in the last 12 months
  • live here and have applied for permanent residency.

You can enroll within 6 months of arriving in Australia.

It’s recommended to wait at least one week after your arrival before applying. This gives Medicare time to receive your visa details from the Department of Immigration and Multicultural and Indigenous Affairs.

Once your application is accepted, you will be sent a Medicare card, though it may take a few weeks to arrive. In the meantime, you can use a digital version of your Medicare card as soon as your application is processed.

To access your digital Medicare card, download the Express Plus Medicare app and log in. You’ll need a myGov account linked to your Medicare online account to use the app. If you don’t have these accounts, you can set them up and then download the app.

The process to enrol in Medicare Australia

You can enrol in Medicare either:

  • online through myGov
  • by completing a Medicare enrolment form. 

How to Enrol in Medicare Online

You can enrol in Medicare online as either an individual or a family through your myGov account and easily track the progress of your application.

To enrol online, you and your family members must meet the following requirements:

  • Be living in Australia.
  • Have a valid passport or ImmiCard.
  • If you’re not an Australian citizen, you must have valid visa details from the Department of Home Affairs.

For family enrolment:

  • You’ll need to provide identity documents for any children under 15.
  • For individuals aged 15 or older, you’ll need to share your application number with them. They can use this number to submit their own identity documents and details via their own myGov account to complete the process.

If you already have a myGov account, simply sign in and follow the steps to enrol in Medicare. If you don’t have one, you’ll need to create an account first.

If your application is approved, they’ll contact you with your next steps. They’ll also send you your Medicare card in the mail to the address you gave them. 

Enrolling with a Form

If you’re unable to enrol online, you can complete a Medicare enrolment form and submit it by mail or email, along with your supporting documents, to Medicare Enrolment Services.

If submitting by email, include “Medicare enrolment” in the subject line to ensure faster processing. 

Document Requirements

As a New Zealand citizen residing in Australia, you need to provide two residency documents from the below (2 documents from Australia, or 1 document from Australia and 1 from NZ).

Documents from another country:

  • sale of property (sale agreement)
  • cessation of a lease agreement for rental property
  • termination of employment (acceptance of resignation by employer)
  • transit document for household goods and/or furniture
  • closure of bank accounts
  • cancellation of health, property or contents insurance.

Documents from Australia:

  • purchase of property agreement and gas or electricity accounts in the same name
  • lease agreement for the rental of property and gas or electricity accounts in the same name
  • evidence of employment
  • evidence of children at school or university
  • private health insurance in Australia
  • opening of bank accounts
  • proof you moved household goods or furniture
  • property or contents insurance.

As you can see from the above, these documents support the fact that you have moved to Australia and plan to live there for the foreseeable future, not just on holiday and wish to get cheap healthcare while there. Most rental agreements in Australia are for a minimum of one year, or if you moved your furniture over, you are not going to move it back in a hurry, etc.

You can read more on the Medicare Australia website, about the documents you need if you’re a New Zealand citizen to prove your identity and residency.

When submitting your documents, make sure they:

  • Are in PDF, JPG, PNG, GIF, or BMP format.
  • Are not password-protected or compressed into a WinZip or RAR file.
  • Are no larger than 5MB per document and 10MB in total for all documents. 

Access to Healthcare Before Enrolment

If you are visiting Australia, you may be eligible for care under the Reciprocal Health Care Agreement, which covers essential treatment in a public hospital. However, you cannot enrol in Medicare or receive a Medicare card until you provide proof that you live in Australia.

You can read more in my Australian Health Care System post.

 

Medicare Australia Entitlements

  • Free treatment as a public hospital patient.
  • An 85% rebate on the scheduled fee for treatments when you haven’t been admitted to the hospital (ie. A visit to the doctor).
  • Medicare Safety Net – If you pay over and above the Medicare rebate you may be eligible. To find out more visit Medicare Safety Net.
  • Health Care Cards are available from Centrelink for those requiring additional financial help. Permanent residents are usually subject to a 2-year waiting period before one will be provided. 

Medicare Eligibility

You can find the below information on the Medicare’s eligibility criteria webpage.

You can enrol in Medicare if you live in Australia and you’re any of these:

You can also enrol if you’re a citizen or permanent resident of any of these: Norfolk Island, Cocos (Keeling) Islands, Christmas Island or Lord Howe Island. You may be able to enrol if you’re visiting from a Reciprocal Health Care Agreement country. 

Costs of Healthcare through Medicare

Prescription Medicine

The PBS rebate is deducted before being sold to you. From 1 January 2024, you may pay up to $31.60 for most PBS medicines or $7.70 if you have a concession card. The Australian Government pays the remaining cost (except brand premiums and certain other allowable charges).

The PBS Schedule lists all of the medicines available to be dispensed to patients at a Government-subsidised price. The Schedule is part of the wider Pharmaceutical Benefits Scheme managed by the Department of Health and Aged Care and administered by Services Australia.

Find out exactly how much your medication will cost in my costs of medication and operations in Australia post.

Doctor Visits

If your doctor has Bulk Bills (rather hard to find but more common for concession card holders), you should not have to pay anything for an appointment with your doctor.

If they do not bulk bill, you will need to pay the ‘gap’ between the Medicare rebate and the fee if the surgery will do the rebate on the spot, or the entire amount (most common). If you pay the entire amount you need to apply to Medicare for the rebate, in person or via the post.

The Medicare scheduled fee for a standard appointment is approximately $29.45 and the doctor’s fee can be around $40. Your out-of-pocket expenses are what is taken into account if you register for the Medicare Safety Net.

Operations and specialist services

The Australian Government Department of Health website has a tool for finding and understanding the costs of medical specialist services across Australia, including operations. You can search for a procedure or service or browse by category.

Find out how much your operational or specalist will cost in my costs of medication and operations in Australia post.

Pharmaceutical Benefits Scheme (PBS)

Under the PBS, the government subsidises the cost of medicine for most medical conditions. Most of the listed medicines are dispensed by pharmacists, and used by patients at home. Some medicines are dangerous to administer and need medical supervision (such as chemotherapy drugs) and are only accessible at specialised medical services, usually hospitals.

The PBS Schedule lists all of the medicines available to be dispensed to patients at a Government-subsidised price. The Schedule is part of the wider Pharmaceutical Benefits Scheme managed by the Department of Health and Aged Care and administered by Services Australia.

They now have the schedule online and it is updated every month. This online searchable version contains:

  • All of the drugs listed on the PBS
  • Information on the conditions of use for the prescribing of PBS medicines
  • Detailed consumer information for medicines that have been prescribed by your doctor or dentist
  • What you can expect to pay for medicines.

The Scheme is available to all Australian residents who hold a current Medicare card. Overseas visitors from countries with which Australia has a Reciprocal Health Care Agreement (RHCA) are also eligible to access the Scheme (New Zealand).

You will need to provide your Medicare card every time you present your script to the pharmacist to receive subsidised medication.

You can read more about PBS on their website and search the PBS schedule to see if your medication is covered and what you can expect to pay. 

Continence Aids Payment Scheme (CAPS)

In Australia, the government has a Continence Aids Payment Scheme, which is a yearly non-taxable payment to assist eligible people who have permanent and severe incontinence to meet some of the cost of their continence products.

As a New Zealand citizen who holds a Special Category Visa (SCV), you have permanent residency rights under the Australian Citizenship Act 2007, therefore you are eligible for the scheme.

You should be able to find everything you need to know on the Continence Foundation of Australia website

Medicare Australia Contact Details

For more information on Medicare visit: https://www.servicesaustralia.gov.au/individuals/contact-us.

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77 Comments

  1. Russ

    October 13, 2020 at 8:17 pm

    Hi there, great site.
    Just wondering if our Medicare cards/ membership would still be valid as we haven’t been living in Aus for about 20 years, (NZ Citizens) although have been back for numerous holidays sine we left.

    Reply
    • JJ Smith

      October 15, 2020 at 3:01 am

      Hi Russ,
      Thank you for your comment.
      Medicare cards are valid for 5 years. However, I believe your Medicare number will remain the same.
      You will need request a new card. You can do this by using your Medicare online account (https://www.servicesaustralia.gov.au/individuals/services/medicare/medicare-online-accounts) through myGov (https://my.gov.au/) or by calling the Medicare general enquiries line (+61 2 8633 3284).
      Please note, you may need to wait until your in Australia and call 132 011 to request a new card.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  2. Amy

    July 20, 2020 at 7:10 am

    Hi, I understand Medicare subsidises doctors etc and you need to pay a portion of the doctors fees per visit. My query is, on top of this, is there also a monthly/yearly fee? We are a NZ family living in Australia and currently have private insurance. I haven’t signed up to Medicare as I thought there were also a yearly fee.

    Reply
  3. Sarah

    February 17, 2020 at 8:16 pm

    Hi there,

    Do you know if you have to leave the Medicare Scheme once you return to New Zealand and if so how to go about doing this?

    Thanks

    Reply
    • JJ Smith

      February 26, 2020 at 1:03 am

      Hi Sarah,
      Thanks for your comment.
      When you return to NZ you do not have to inform Medicare or anything else. You will just stop using their services.
      Have a lovely day.

      Reply
  4. Jay

    February 4, 2020 at 1:45 am

    Hi JJ, it’s a great website you’ve made here! Appreciate the info. My partner, my 6 month old baby and I are moving to Melbourne soon, and I’m trying to find out if we are all eligible for Medicare. We’re all New Zealand citizens with NZ passports. From what I can tell we would get visa on arrival? and then should be eligible to apply for Medicare?
    Thanks!
    Jay

    Reply
    • JJ Smith

      February 4, 2020 at 11:12 pm

      Hi Jay,
      Thank you for your comment.
      Yes you will get automatically granted the digital SCV on arrival and with that are eligible to apply for Medicare.
      You will need to apply in person at a Medicare office after you arrive. There is no delay in utilizing Medicare once you’ve applied.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  5. Vanessa

    January 20, 2020 at 5:01 am

    Hi thank you for this informative webpage!
    I am about to go to Melbourne to commence my uni study and I have a few questions.

    Do you pay for medicare card as a uni student, and if you do how much will it cost?

    Reply
    • JJ Smith

      February 3, 2020 at 10:13 pm

      Hi Vanessa,
      Thank you for your comment and sorry for the delay in replying.
      If you are moving to Australia on a SCV you are able to apply for a Medicare for free. You will need to apply in person in a Medicare Office. Please remember to take your passport.
      You can fill out this form before you go into the Medicare Office to save time: https://www.humanservices.gov.au/sites/default/files/documents/3101-1306en.pdf.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  6. Shoibvan

    November 4, 2019 at 11:45 pm

    Hi there to get my Medicare card and other things am I able to use my Nz birth certificate? As the only identifications that I have is my passport and birth certificate.

    Reply
    • JJ Smith

      November 4, 2019 at 11:49 pm

      Hi Shoibvan,
      Thanks for your message.
      To apply for Medicare Australia card you need to satisfy to 100 Point Identification Check (https://www.health.nsw.gov.au/art/Documents/100-point-id-check.pdf)
      Primary documents: 70 points
      – Birth Certificate
      – Birth card issued by the NSW Registry of Births Deaths and Marriages
      – Citizenship Certificate
      – Current Australia Passport
      – Expired Australian Passport which has not been cancelled and was current within the preceding two years
      – Current passport from another country or diplomatic documents
      Secondary documents –must have a photograph and a name. The first item from this list is worth 40 points. Any additional items used are worth only 25 points each:
      – Current driver photo licence issued by an Australia state of territory
      – Identification card issued to a public employee
      – Identification card issued by the Australian or any state government as evidence of a person’s entitlement to a financial benefit
      – Identification card issued to a student at a tertiary education institution
      Document – must have name and address: 35 points
      – Document held by a cash dealer giving security over property
      – A mortgage or other instrument of security held by a financial body
      – Council rates notice
      – Document from current employer or previous employer within the last two years
      – Land Titles Office record
      – Document form the Credit Reference Association of Australia
      Document – must have name: 25 points
      – Current credit card of account card from a bank, building society or credit union
      – Current telephone, water, gas or electricity bill
      – Foreign driver’s licence
      – Medicare card
      – Electoral roll compiled by the Australian electoral Commission
      – Lease / rent agreement
      – Current rent receipt from a licensed real estate agent
      – Records of a primary, secondary or tertiary education institution attended by the applicant within the last 10 years
      – Records of a professional or trade association of which the applicant is a member
      According to the above you can use your passport, birth certificate and utility bill.
      If you are still unsure you can contact Medicare: https://www.humanservices.gov.au/individuals/contact-us.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  7. Gina Barrell

    October 23, 2019 at 9:45 pm

    Hi there
    Firstly, thank you for your website…it’s sooo helpful.
    My son and I are moving to GC in January.
    Just an enquiry about Medicare…does that cover dentists do you know?

    Reply
    • JJ Smith

      October 23, 2019 at 10:39 pm

      Hi Gina,
      Thank you for your comment.
      Children in New Zealand who meet the eligibility criteria for publicly funded health and disability services are entitled to free basic oral health services from birth to 17 years of age (until their 18th birthday).
      You have to pay privately for the majority of adult dental services. A limited range of dental services are funded for some adults:
      – People with disabilities or medical conditions such as mouth cancer may be referred to a hospital for their dental treatment by their usual dental practitioner or GP.
      – People on low incomes who have a Community Services Card may be able to get emergency dental care, such as pain relief or extractions.
      Here is a good article to read: https://www.health.govt.nz/your-health/services-and-support/health-care-services/visiting-dentist/publicly-funded-dental-care.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  8. Karu

    October 1, 2019 at 8:30 pm

    You are r dong an excellent service. The advice to open an account with a exchange company to transfer money helped me a lot to save a substantial amount of money.
    Now we are on the next step of the process.

    Reply
    • JJ Smith

      October 9, 2019 at 12:11 am

      Hi Karu,
      Thank you for your comment.
      I’m so glad to hear you took the advice and saved your hard earned cash!
      Please feel free to email me back any further questions you have.

      Reply
  9. Fawzan

    September 10, 2019 at 6:33 am

    Hi,
    I’m a Kiwi looking to move to Melbourne and wife is in Melbourne on student Visa (Sri Lankan). We want to have a baby soon. I am wondering if she will be eligible when she gets pregnant as I’m Kiwi.

    Cheers!

    Reply
    • JJ Smith

      September 11, 2019 at 12:31 am

      Hi Fawzan,
      Thanks for your comment, but unfortunately I am not an immigration specialist and can’t help.
      You can find an immigration specialist on the Australian Government website, Migration Agents Registration Authority (https://www.mara.gov.au/). Search Auckland for advisers specialising in Australia.
      However, you may be able to find the answer on the Australian Government – Department of Immigration and Citizenship website (http://www.immi.gov.au).
      Please feel free to email me back any further questions you have.
      Sorry I could not be of more help.

      Reply
  10. Catrina Rooseboom deVries

    July 26, 2019 at 6:56 pm

    Hi i am moving to brisbane from nz and i wanted to know, do i need a medicare card before i get a job? I hope to set a job up for me before i leave. I am a qualified healthcare assistant. Is there anything else i may need before i get a job also?

    Reply
    • JJ Smith

      August 12, 2019 at 1:15 am

      Hi Catrina,
      Thank you for your comment. Sorry for the delay in replying.
      You don’t need a Medicare card before you start work. You will need to apply in person at a Medicare office in Australia. 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. Make sure you take your passport with you.
      You should apply for a tax file number as soon as you arrive in Australia. You are not able to apply from New Zealand. You can apply online here: https://www.ato.gov.au/individuals/tax-file-number/apply-for-a-tfn/foreign-passport-holders,-permanent-migrants-and-temporary-visitors—tfn-application/.
      You can apply for a tax file number online if you meet these three conditions:
      – You are a foreign passport holder, permanent migrant or temporary visitor.
      – You are already in Australia.
      – Your visa is one of the following:
      – a permanent migrant visa
      – a visa with work rights
      – an overseas student visa
      – a visa allowing you to stay in Australian indefinitely (including New Zealanders automatically granted a visa on arrival).
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  11. Chris

    June 26, 2019 at 10:52 pm

    Hi there we are looking to move to Queensland from Christchurch. My wife is under the care of the neurosurgery department at our local hospital. She has a large high grade spetzler martin avm in her brain and requires multiple procedures on her brain over a period of years, she is otherwise healthy can work but is unable to drive. I’m wondering if she would qualify for Medicare and be able to have these procedures in Australia. Thank you for any help you can offer. Thanks, Chris

    Reply
    • JJ Smith

      June 26, 2019 at 10:59 pm

      Hi Chris,
      Thank you for your email.
      I have read all info regarding eligibility for applying for a Medicare card and it doesn’t state anywhere about existing conditions getting taken into consideration. So you will be able to apply when you arrive in Australia.
      I can’t find any information regarding treatment of high grade spetzler martin avm in Australia.
      I recommend you talk to the neurosurgery department at your local hospital and see what they think.
      Please feel free to email me back any further questions you have.
      Good luck with your move.

      Reply
  12. Cara

    May 7, 2019 at 11:45 pm

    Hi there
    My family and I are moving to Cairns in the next few months. I am currently looking into a few things and wonder if you could help me, or point me in the right direction.
    We have a baby girl who is currently 8 weeks old, and I’m wondering if there is any equivalent of Plunket in Australia? Or, if not, who I would talk to about what vaccinations she would need in Australia, and who to go to for questions about raising children and tracking her development.
    I have read the information about Medicare on your website, so that’s good at least.
    Thanks
    Cara

    Reply
  13. Rob

    February 21, 2019 at 12:51 am

    Hi there,
    first off thank you for such an awesome site!.My 23yr old son is moving to Brisbane early March and I just want to know how he can get his monthly prescriptions tranferred to Australia?
    Will he need to find a Doctor in his area in Oz first?,also transfer of medical records.
    Can you advise me on what he has to do please,
    Kind regards
    Rob 🙂

    Reply
    • JJ Smith

      February 21, 2019 at 12:54 am

      Hi Rob,
      Thank you for your email.
      Your son will need to request a copy of his medical records from his doctor and give them to his new doctor in Australia. It should be quite a straight forward process and he shouldn’t hit any hurdles, as long as he has his records.
      However, before he visits his new doctor he should obtain a Medicare card. He will need to apply in person in a Medicare Office. He will need to take his passport. He can fill out this form before he goes into the Medicare Office to save time: https://www.humanservices.gov.au/sites/default/files/documents/3101-1306en.pdf.
      Here is all the information he will need for Medicare enrollment for New Zealand Citizens: https://www.humanservices.gov.au/individuals/enablers/medicare-enrolment-new-zealand-citizens.
      Please feel free to email me back any further questions you have.

      Reply
      • Rob

        February 21, 2019 at 2:50 am

        Thanks Johanna much appreciated. Keep up the great work and thanks for your time.
        Cheers

        Reply
  14. Sharon

    January 4, 2018 at 8:21 pm

    Hi. I have lived in Adelaide for 15 years moved back to NZ just over 2 years ago.still own property in Adelaide. My older daughter now has a head injury since returning to NZ. what medical help can she get when we return or is there a stand down period ? She cant work yet but is recovering slowly.
    Sharon

    Reply
    • JJ Smith

      January 4, 2018 at 8:24 pm

      Hi Sharon,
      Thank you for your enquiry.
      This is not really me field and I recommend you contact Medicare direct. However, as you have only been in NZ for two years and I’m guessing are still Australian Citizens, you should get the same care as you would have before moving.
      I wish your daughter a speedy recovery.

      Reply
  15. Michelle

    June 29, 2017 at 3:08 am

    We are Kiwis moving to Brisbane Australia in November. Myself and my four teenagers. what is the appropriate and fastest way to apply for this?
    Many thanks
    Michelle

    Reply

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