At Health Link, our participating health funds can provide peace of mind for visitors and residents that do not have a Medicare card. We are here to help you arrange suitable cover to meet all of your health care needs.

Overseas Visitors to Australia without a Medicare Card are generally not covered for hospital, medical and other health care services. Also, all temporary Residents in Australia without a Medicare Card (including visitors on 457 Visas) need to arrange their own health insurance.

Medicare does not cover Extras or Ancillary Benefits (such as general and major dental / physiotherapy /chiropractic / optical services / podiatry and many more).

Temporary Residents without a Medicare card are liable for:

1. In-Hospital (In-Patient) Expenses for Injury and Sickness
2. Out-Patient Medical Expenses for Injury and Sickness
3. Elective Surgery Expenses
4. Psychiatric Services Expenses
5. Pharmaceutical Expenses – Medical Practitioner Prescribed Drugs and Medicines
6. Physiotherapy Expenses
7. Ambulance Expenses
8. Insurance and Liability Surcharge
9. Extras Medical Cover
10. Obstetrics and Newborn Infants Cover

Through our participating health funds, Australian Health Insurance Pty Ltd. (AHI) or Australian Unity, we can provide health insurance to take care of visitors and residents requirements. The products available from each fund are designed to meet different lifestyles and budgets, to cater for the needs of all members.

Reduced Cover Option

If you are searching for a low cost option that does not include cover for pre-existing conditions, we recommend the Australian Unity Health Fund policy - Healthy Travel. This overseas visitors option provides private hospital and medical cover with optional extras cover for a range of health care services.

If you are searching for a low cost option that does not include cover for pre-existing conditions, we recommend the  Australian Unity policy -  Healthy Travel.  This overseas visitors option provides private hospital and medical cover with optional extras cover for a range of health care services.

More Information

Review full details of this policy including benefits and premiums

Join Online

If this option is suitable for your needs you can join online by completing the Australian Unity application form. You will immediately receive a printable confirmation letter by email.

Higher Cover Option

If you prefer a more comprehensive option that does cover pre-existing conditions, we recommend AHM Health Fund cover. The AHM policy can provide:

• 100% of medical and hospital expenses. No claims excess applies
• Immediate cover. No waiting periods for medical or hospital benefits
• Cover under the family premium for accompanying dependent children under 21
• 100% ambulance cover Australia wide
• Immediate verification of cover with payment guarantees to ensure access to private hospitals and the best specialists
• Cover for pre-existing conditions (subject to acceptance)

For your information, we have prepared a premium comparison schedule which makes it easy to see why we are recommending the AHM Health Fund cover made available through IMAN and Health Link Consultants.

Premiums

 To ensure a perfect fit with your needs, there is a choice of four different levels of cover. Each table number below represents a different policy.

 

Level of Cover	190 Table	390 Table	120 Table	320 Table
	100% In Hospital (In-Patient) only Cover	100% In Hospital (In-patient) and Out-Patient Medical Cover	100% In Hospital (In-Patient) plus 100% of Australian Health System Fees for Out-Patient Medical Cover	100% In Hospital (In-Patient) and Out-Patient Medical Cover plus Extras Cover and Pregnancy
Sections	Sections 1,3,7,8 only	Sections 1 to 8 only	Sections 1, 2, 3, 7 & 8	Sections 1–10 (all sections)
Single Cost	A$756 per annum	A$1,860 per annum	A$920 per annum	A$2,496 per annum
Family Cost	A$1,512 per annum	A$3,720 per annum	A$1,840 per annum	A$4,992 per annum
Downloads	Policy document and schedule of cover	Policy document and schedule of cover	Policy document and schedule of cover	Policy document and schedule of cover

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Have a question or require more information?
 
If you require personal advice or if the above policies are unsuitable for you (e.g. students and relatives) please contact us for further information.