When it comes to health care plans, you may have come across certain terms that you’re not familiar with and chances are, you need to understand what these are to ensure that you’re not missing anything as far as your policy is concerned. One of these terms is reciprocal health cover. In this article, learn what it is and its coverage:
When looking for health care plans, it’s not wise to just go for the first cheap health insurance. Always check the coverage. Also, read the fine print to avoid any inconvenience later on.
The reciprocal health cover in Australia or commonly known as the Reciprocal Health Care Agreement or RHCA, is an agreement that involves allowing Australians to go to a hospital in certain countries and be covered by their own version of Medicare.
In other words, whatever treatment that you would receive if you’re in Australia should be given to you. It is designed to provide subsidised health care services for Australians who travel out of the country.
One important thing to remember about reciprocal health cover is that it shouldn’t be a substitute for travel insurance. Those are two different things. That’s why when you travel overseas with a Reciprocal Health Care Agreement, you should also consider getting travel insurance. This is because the RHCA will not cover all medical expenses in other countries. Also, it doesn’t provide coverage for people who travel out of the country for the purpose of getting medical treatment abroad.
Here are some of the medical services and treatments that are not covered by the RHCA:
- Ambulance cover
- Dental care
- Elective treatment
- Medical evacuation to your home country
- Paramedical Services
- Treatment and accommodation in private hospitals
- Treatment and accommodation as a private patient in a public hospital
- Pre-arranged treatment before arrival in Australia
- Treatment that is not seen as an immediate need
If you are traveling to Australia, visit a service centre of the Department of Human Services and enroll for Medicare. This is necessary so you will be eligible for medical treatment under the RHCA.
When looking for health care plans, it’s not wise to just go for the first cheap health insurance that you’d find. Always check the coverage and what’s not covered. Also, read the fine print to avoid any inconvenience later on. By understanding your health cover, you will know when to make claims and how to do it, as well as what you’re eligible for. You can ask help from a qualified individual if certain terms are not clear to you.
Do you have other ideas on cheap health insurance and reciprocal health cover in Australia? Share your insights in the comments section.