If you are from a Reciprocal Healthcare Agreement (RHCA) country* and have a Reciprocal Medicare card, your access to Medicare may be limited.

To ensure you are covered for both inpatient and out-patient hospital services and treatment by a doctor or specialist in private practice, you will need to take out one of our overseas visitors health cover.

If you take out one of our health insurance covers for Australian residents, you will not be covered for out-patient hospital services and treatment by a doctor or specialist in private practice, which would result in large out-of-pocket expenses.

* Countries include Belgium, Finland, Ireland, Italy, Malta, Netherlands, New Zealand, Norway, Slovenia, Sweden and United Kingdom.