Expatriate health insurance Australia | Mondassur
Australia has become one of the leading countries for immigration: would you like to do the same, or have you already taken the plunge? Think about your expatriate health insurance in Australia.
Thinking of moving to Australia? Mondassur is for you! Australia is a destination that attracts travelers because of its vast landscapes, cultural diversity and unique lifestyle. First and foremost, it’s essential to take out the right expatriate insurance in Australia to ensure comprehensive medical cover. At Mondassur, we understand that every expatriate has unique needs when it comes to health protection. That’s why we offer a variety of insurance policies that can be customized to meet your specific needs. These meet your specific needs while respecting your budget.
Our insurance offers for expatriates in Australia
Expatriate Insurance Australia Gold Nomad Expat
Our policy with good levels of cover, suitable for your expatriation to Italy.
From
74€
- Worldwide coverage
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €500,000 per year
- Maternity coverage up to €4,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Repatriation assistance
- Civil liability
- Individual protection
Expatriate insurance Australia Gold Expat Access
Economical international health insurance tailored to your expatriation plans.
From
93€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 80% of routine medical care
- 100% hospitalization coverage
- Up to €750,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Free choice of practitioners and hospitals abroad
- Optional dental and optical care
- Optional repatriation assistance
- Optional third-party liability
Expatriate Insurance Australia Gold Expat Safe
Health insurance with a good cover/price ratio. It offers effective coverage for accidents and illnesses.
From
107€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers 90% of common medicine
- 100% hospitalization coverage
- Up to €1,000,000 per year
- Maternity coverage up to €4,500
- Coverage of assisted reproduction up to €1,000
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Expatriate Insurance Australia Gold Expat Premium
Our most comprehensive expatriate health insurance plan in Italy.
From
138€
- Worldwide coverage
- Minimum age: 14
- Maximum age: 65
- Covers up to 100% of routine medical care
- 100% hospitalization coverage
- Up to €1,500,000 per year
- Maternity coverage up to €6,000
- Coverage of assisted reproduction up to €1,500
- Covers pre-existing conditions
- Coverage of pharmaceutical costs
- Optional dental and optical care
- Maternity plus option
- Prevention and well-being as an option
- Optional repatriation assistance
- Optional third-party liability
Any questions? Need some advice?
A few figures on health insurance in Australia
| Public hospitals | 697 |
| Private hospitals | 657 |
| Doctors per 1,000 inhabitants | 3.8 |
These figures show that Australia’s healthcare system is well developed. Indeed, there are a large number of public and private hospitals. For expatriates, understanding the options available is crucial to ensuring adequate coverage. Mondassur strongly recommends purchasing expatriate insurance in Australia to benefit from higher-quality care, reduced waiting times and greater access to private healthcare facilities.
How Australia's healthcare system works :
Australia’s healthcare system is renowned for its quality and efficiency. he health care system is based on two main pillars: the public Medicare system and private insurance. This structure guarantees complete medical coverage for the entire population. It also offers additional options for those wishing to access additional services and medical care. Expatriates therefore need to understand how this system works in order to choose the coverage best suited to their needs.
How does social security work?
Medicare public health insurance
Medicare is the foundation of Australia’s public health system. It provides essential coverage for a wide range of medical services. These include consultations with general practitioners, treatment in public hospitals and some specialist services. The quality of this cover is generally high. However, it can vary according to region and local demand. All Australian citizens and permanent residents are eligible for Medicare. As a result, they can benefit from services that are often free or at reduced cost. Nevertheless, delays in accessing certain specialized treatments or surgeries can be lengthy. This can be seen as a disadvantage for those requiring rapid care. For this reason, many expatriates choose to supplement their coverage with expatriate insurance in Australia. As a result, they avoid high out-of-pocket healthcare costs.
Private health insurance
Private expatriate insurance in Australia offers complementary coverage to Medicare. As a result, policyholders benefit from faster treatment. It also provides access to a range of additional services, such as dental care, optical care and mental health treatment . Private insurance also gives you a choice of hospitals and doctors. They also represent a significant advantage for those who want more personalized care. Prices vary according to the coverage chosen. This additional cost is justified by the speed of access to care and the quality of services provided by private hospitals. That’s why you need to take out expatriate insurance that meets your needs, such as Mondassur insurance policies!
Health care facilities in Australia
Australia has an extensive and well-distributed healthcare network. Public hospitals are generally more numerous in urban areas. They offer free or low-cost services. They can, however, suffer from long waiting times for certain types of care, such as hospitalization. Private hospitals, on the other hand, although more expensive, offer shorter waiting times and greater comfort. The quality of care in private establishments is often superior. Indeed, they offer faster access to specialized treatments and a greater diversity of quality services.
Australia’s major cities, such as Sydney, Melbourne and Brisbane, are well served by a multitude of health care centers. These guarantee easy access to medical services for the majority of the population. For a night in hospital, costs can vary considerably. Public hospitals are generally free for Medicare holders. However, private hospitals can charge several hundred dollars per night, depending on the level of service and private insurance coverage.
Emergency numbers in Australia
When living in Australia as an expatriate, you need to know the local emergency numbers to ensure your safety and that of your loved ones:
- 000 is the national emergency number for police, fire and ambulance services.
- Le 112 is aninternational emergency which can be dialed from a cell phone anywhere in the world, including Australia.
- Le 106is an emergency number for the deaf and hard of hearing. for the deaf or hard-of-hearing. It can be used to contact police or fire services, for example. The link is textual.
Knowing the number of your country’s embassy or consulate in Australia is also important. This can be useful for consular assistance in an emergency. Save these numbers in your telephone and make sure all your family members know them.
Health care costs in Australia
The cost of healthcare services in Australia can vary considerably depending on whether you use public or private services.
- A standard consultation with a general practitioner generally costs between AUD50 and AUD100 (between €30 and €60). Partial or total reimbursement is possible via Medicare or expatriate insurance such as Mondassur.
- A delivery can cost up to 1,500 UAD (around €930) in the public sector, compared with 3,000 to 5,000 UAD (between €1,860 and €3,100) in the private sector.
- A visit to the dentist can cost between AUD150 and AUD300 (€93 and €185).
- A pair of glasses can fetch up to 500 UAD (around €310) with top-of-the-range options.
Medical prescriptions are not always required to buy over-the-counter medicines. However, specific medicines may require a prescription, and you will need to see a doctor for these. Drug prices may therefore vary. However, pharmacies like Chemist Warehouse often offer competitive prices.
Dental and optical care are often more expensive and not covered by Medicare. This is why taking out private health insurance in Australia covering these services is so important.
Repatriation insurance for Australia
You may ask yourself: Why repatriation insurance? It is, however, an essential component of all health cover for expatriates in Australia. This insurance guarantees emergency medical transport to your home country or another suitable country. Repatriation costs can be exorbitant, often running into tens of thousands of dollars. Specially equipped medical flights and accompanying medical staff are expensive. By taking out repatriation insurance, you are financially covered against these unforeseen expenses.
Mondassur offers expatriate insurance plans that include comprehensive repatriation cover, giving you peace of mind. In the event of an emergency, the insurance will take care of all the logistical and financial aspects of repatriation. . This allows you to concentrate on your recovery. Consequently, good preparation and adequate insurance are the keys to living in Australia with peace of mind.
Maternity in Australia
You’re pregnant and wondering how maternity in Australia works ? We’ll explain how the maternity system works in Australia.
Some hospitals in Australia have excellent maternity facilities, practicing various natural childbirth methods such as the use of warm baths, relaxing gases and, only as a last resort, epidurals. If you want to give birth with an epidural, you need to let us know early on in your pregnancy. What’s more, Caesarean sections are frequently performed in Australia. You’ll be able to have it easily, and your husband will have the right to stay in the delivery room during the operation. In Australia, you will generally consult a general practitioner rather than a gynecologist.
In general, you’ll have two ultrasounds, which will cost between $150 and $200 AUD (between €90 and €120). You can also ask for a 3D ultrasound, which is common in Australia, but expensive, costing around $500 AUD (around €300) and not reimbursed by insurance. In addition to these ultrasounds, you’ll need to have two blood tests.
The choice of public or private sector is up to you. If you are insured by Medicare, you will only be reimbursed if you give birth in a public hospital. With an international health insurance policy such as GoldExpat, you’ll have access to a large number of private hospitals under agreement with your insurer.
The hospital’s midwives will offer you childbirth classes. You can also benefit from the free services of a physiotherapist for 6 months after delivery.
The cost of pregnancy in Australia
The cost of an uncomplicated pregnancy varies according to many factors. Here are some examples of the average costs of pregnancy care in Australia :
- Prenatal care and visit to a doctor/visit : $100 AUD (approx. €60)
- Prenatal ultrasound : $200 AUD (about €120)
- Natural childbirth : $9000 AUD (approx. €5,450)
- Cesarean delivery : $14,000 AUD (approx. €8,485)
How do you care for your child in Australia?
Australia’s paediatric service is not the best in the world. Australia has fewer than 1,000 practicing paediatricians. What’s more, these pediatricians practice mainly around major cities only. So finding a pediatrician outside the big cities can be very complicated. If you absolutely need a pediatrician, you can search for one on Australian health provider search engines. You can also refer to children’s hospitals, which will recommend paediatricians in your area. Finally, you can ask the nurses – they’ll usually know which paediatricians are in your area.
Choose Mondassur for your expatriate health insurance Australia!
What health insurance should I take out when moving to Australia?
Whatever your profile, you need private health insurance if you want to obtain a visa to go to Australia.
- Are you a nomadic worker or do you simply want to go to Australia for tourism? Whatever your motivation, you’ll need to apply for a tourist visa. To obtain this visa, you need to take out travel insurance to cover medical expenses in Australia. Our travel insurance Gold Nomad meets all the criteria required for your stay in Australia.
- If you’re planning to visit WHV in Australia, it’s essential that you take out private international health insurance, which will enable you to receive private hospital care in Australia without breaking the bank. It will also enable you to benefit from medical repatriation abroad or to your country of origin in the event of serious hospitalization. Our insurance GoldStart is tailored to your profile, so you can enjoy your WHV without worry.
- If you are an expatriate employee on a Temporary Skill Shortage TSS visa (or 482 visa) for Australia, we can offer you expatriate health insurance Gold Expat which will cover you for private healthcare costs and medical repatriation if necessary, both abroad and to your home country. Our health insurance allows you to be eligible for the TSS visa if you meet the other required criteria.
- If you are retired, to obtain any retirement visa (spouse visa, family reunion visa, investor visa, sponsored visa or retirement visa) you must take out expatriate health insurance to validate your visa.
Why take out expatriate insurance?
Taking out expatriate insurance in Australia is essential to guarantee comprehensive medical cover tailored to your needs. As an expatriate, you may encounter unforeseen challenges, such as specific illnesses or accidents. In particular, these may require immediate medical attention. The Australian healthcare system, while of high quality, can be costly for non-residents and does not cover all the specific needs of expatriates. Mondassur offers health insurance specially designed for expatriates, ensuring fast and efficient care without the long waits of the public system. What’s more, our insurance covers a wide range of services. These include medical consultations, hospitalization, dental and optical care. Don’t let unforeseen medical circumstances compromise your experience in Australia. Opt for comprehensive coverage with Mondassur.
Certain viruses are circulating in Australia, so it is essential to take these into account when preparing for your trip:
- Dengue virus transmitted by mosquitoes, causing flu-like symptoms.
- Japanese encephalitis A viral infection transmitted by mosquitoes. Symptoms can include high fever, headaches, and sometimes coma.
- Q fever Bacterial, transmitted by cattle. It can cause severe flu-like symptoms.
- Hantavirus transmitted by rodents. It can cause severe lung disease.
- Lyme disease tick-borne, especially in forested areas. It causes a variety of symptoms, including skin rashes and neurological problems.
Vaccination before going abroad is essential to avoid preventable diseases. It is also recommended to ensure adequate protection against infections specific to Australia.
Quick and easy subscription
At Mondassur, we understand that time is precious, especially when preparing for a move abroad. That’s why we’ve simplified the underwriting process for our expatriate health insurance plans. In just a few clicks, you can get a free quote online, compare different coverage options and choose the one that best suits your needs. Our team of brokers is also on hand to answer your questions and guide you through the process. Once you’ve made your choice, underwriting is quick and secure. You’ll receive your insurance documents immediately. With Mondassur, you can leave with complete peace of mind, so you’re well protected.
A wide choice of warranties
Mondassur offers a wide range of cover to meet the varied needs of expatriates in Australia. Whether you’re a young professional doing a WHV in Australia, a working person, or a retiree, we have plans to suit every situation. Our guarantees include coverage for various services. These include, for example, GP consultations, hospitalization, prescription drugs, provident insurance, third-party liability and emergency and repatriation services. By choosing Mondassur, you also benefit from access to a worldwide network of healthcare providers. That’s great for the health of seniors and retirees! This network guarantees optimum quality of service wherever you are. Our insurance plans are flexible and modular, allowing you to choose the level of coverage that suits your needs and budget.
