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Do you need it, how much does it cost and who to use…

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.

Do you have health insurance in NZ?
For the same reasons you should get health insurance in Australia

Australian residents are proactively encouraged to take out Private Health Cover (Health Insurance) to compliment Medicare services, including the 30% Health Insurance Rebate from the Australia Government: click here to get a competitive health insurance quote instantly, including different cover options.

How much does Health Insurance cost in Australia?

Health insurance costs approximately $2,000 per year depending on your circumstances (single, couple, family or single parent) and the level of cover you select.

You can find out now how much it will cost you here with no obligation to get health insurance:

Bupa Health Insurance

At Bupa Health Insurance, we exist to help our members live longer, healthier, happier lives. And as a leading healthcare organisation in Australia, we’re well placed to support and look after you and your family’s health.

We take pride in delivering high quality health cover that is affordable and represents real value. We have been around for over 60 years; our history goes back to our trusted brands HBA, MBF and Mutual Community, which we used to be known as.

Today, we proudly look after the needs of more than three million people in Australia and New Zealand. We understand our members and the importance of helping to manage your health for the long term. That’s why we aim to provide you with the best advice, support, care and treatment to help you find what’s right for your needs. We have a range of healthcare services to help you live a healthier life. Not just when you’re unwell but when you’re absolutely fine too.

Click here for more information on Health Insurance in Australia, how to join and what different cover options cost.

More Information on Bupa Health Insurance

By following this link you will be able to find the right cover for you by getting a Quick Quote using only your date of birth, location and Visa type, depending on weather you are a single, couple, family or single parent. It includes package options and what services they include. You can also find information on Bupa, Healthcare in Australia, overseas visitor cover and common questions. All with no obligation.

Click here to find out how Bupa Health Insurance can help you.

Still got questions?

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.


  1. Sarah

    May 25, 2021 at 8:25 pm

    If you are an NZ citizen with a health condition can you access Medicare as soon as you move to Australia? Thanks

    • JJ Smith

      May 30, 2021 at 11:23 pm

      Hi Sarah,
      Thank you for your comment.
      Yes NZ citizen’s on an SCV are able to access Medicare as soon as you arrive in Australia.
      You will need to apply in person in a Medicare Office. Please remember to take your passport.
      You get a Medicare card when you enrol in Medicare. They’ll usually tell you your Medicare number straight away and send your card in 3 to 4 weeks. They’ll send it to the address you give them. You can use a digital copy of your Medicare card as soon as you enrol.
      More info:
      Please feel free to email me back any further questions you have.
      Good luck with your move.

  2. Claire Williams

    March 9, 2021 at 4:53 am

    Can you transfer NZ Southern Cross medical insurance to Australia?

    • JJ Smith

      March 14, 2021 at 10:03 pm

      Hi Claire,
      Thank you for your comment.
      As there is no Southern Cross in Australia, you can not transfer your cover over. They do offer to put your policy on hold, which could be beneficial while your settling in, just incase you change your mind and want to move home. Your policy can be suspended for up to 5 years (60 months) in total:
      You will need to find new private health insurance in Australia. Product review is Australia’s largest opinion site and here is the reviews for health insurance providers:
      Please feel free to email me back any further questions you have.
      Good luck with your move.


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