Many Australians are familiar with Medicare, our national health insurance scheme, but few are aware of a hidden gem that can provide peace of mind when traveling overseas: Reciprocal Health Care Agreements (RHCAs). These agreements, established between Australia and several other countries, allow eligible Australians to access medically necessary healthcare when visiting these nations, and similarly, allow visitors from these countries to receive essential medical care in Australia. While not a substitute for comprehensive travel insurance, RHCAs offer a crucial safety net for unexpected medical needs abroad.
What are Reciprocal Health Care Agreements?
Reciprocal Health Care Agreements (RHCAs) are arrangements that allow residents of one country to access medically necessary healthcare in another country, under specific conditions. For Australians, this means that if you are a Medicare card holder and you travel to one of the countries with which Australia has an RHCA, you may be able to receive essential medical treatment at a reduced cost or for free. This typically covers emergency care and treatment for illnesses or injuries that cannot reasonably wait until you return to Australia.
Countries Covered by RHCAs
Australia currently has RHCAs with the following 11 countries:
•Belgium
•Finland
•Italy
•Malta
•The Netherlands
•New Zealand
•Norway
•The Republic of Ireland
•Slovenia
•Sweden
•The United Kingdom
It’s important to remember that these agreements are not a substitute for comprehensive travel insurance. While RHCAs cover medically necessary treatment, they often do not cover all healthcare costs, such as ambulance services, dental treatment, or repatriation. Travel insurance provides broader coverage and is highly recommended for all overseas travel.
Understanding Medicine Costs Under RHCAs
When it comes to prescription medicines, the coverage under RHCAs can vary significantly between countries. Some agreement countries may not cover the cost of medicine at all, while others will only partly cover the cost of prescribed medicine. It is crucial to be aware of these differences before you travel.
For instance, if you travel to Italy, your medicine costs are generally not covered under the RHCA. Similarly, in Norway, medicine costs are not covered up to a set amount. However, countries like Belgium (with conditions), Finland, Ireland (with conditions), New Zealand (inpatient only), the Netherlands, Norway (over a set amount), Slovenia (with conditions), Sweden, and the United Kingdom (with conditions) may partly cover prescribed medicine costs. Always check the specific conditions for each country, as these can impact your out-of-pocket expenses.
Proving Your Eligibility Overseas
To access healthcare under an RHCA in another country, you will need to prove your eligibility. This typically involves presenting your Australian passport or another valid passport that shows you are a permanent Australian resident, along with your current Medicare card, to the hospital or doctor’s staff. It is advisable to ensure your Medicare card is valid and will not expire during your trip. If it is due to expire, contact the Medicare program before you travel to obtain a new card.
For those traveling to the Netherlands, there’s an additional step: you will need to complete an ‘Application form for an A111 Certificate of eligibility’ and mail it to Zilveren Kruis, Groep Buitenlands Recht, Postbus 650, 7300 AR Apeldoorn, The Netherlands. This can be done either before you leave Australia or upon your arrival in the Netherlands.
Important Considerations
While RHCAs provide valuable assistance, they are not a substitute for comprehensive travel insurance. Travel insurance offers a much broader range of coverage, including medical emergencies not covered by RHCAs, medical evacuation, repatriation, lost luggage, and trip cancellations. Always ensure you have adequate travel insurance for your specific needs when traveling internationally.
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Author Profile: Jeffrey Liu, JP, is the founder and principal adviser of Hippo Insurance (aka: Hippo Wealth), with a deep expertise in wealth protection. His extensive experience includes roles in the wealth management divisions of Westpac, ANZ, and a local multi-family office. As the host of “Riches Talk,” a podcast dedicated to cultivating personal and business growth, Jeffrey has established himself as a thought leader in developing life riches. His insights have been featured on SBS, The Australian, and Channel 7. Notably, he was a semi-finalist on Australia’s Got Talent in 2010. Learn more at http://www.hippoinsurance.com.au
