Ncsmith Posted May 12, 2019 Share Posted May 12, 2019 Hi all I've been blessed with getting a sponsored job on a 482, and will be relocating in the next 3 months. Apologies if these questions have been answered already, but the reciprocal agreement seems very vague so i'm wondering if anybody is over in Aus with a 482 Visa who can help? I understand the agreement covers medically necessary care, but what does that actually mean? Does it cover general GP visits, ambulances, aswell as emergency care? If we choose to top this cover up with private care, are there companies that specialise in topping up the reciprocal agreement, or do we have to look at a general private 482 insurance agreement? Quite a complicated beast this! Many thanks Nathan Quote Link to comment Share on other sites More sharing options...
shaunfreo Posted May 12, 2019 Share Posted May 12, 2019 (edited) Yes It can seem quite complex if you arrive in A&E with a heart attack you will be treated, but the ambulance that got you there may not be covered by a reciprocal agreement (for example in Western Australia it wouldn’t be , everyone here unless exempt has to have ambulance cover ) Certain ongoing expenses may not be covered GP services even for Australian’s incur a cost unless the GP bulk bills , but with reciprocal agreement you should only pay the same as any other Australian citizen or PR holder maternity services it gets more complex there are insurance companies who provide insurance for temporary visa holders , also look at the home affairs website others may know more and will hopefully give more information Edited May 12, 2019 by shaunfreo Spelling Quote Link to comment Share on other sites More sharing options...
Ncsmith Posted May 12, 2019 Author Share Posted May 12, 2019 This is really helpful thank you! Quote Link to comment Share on other sites More sharing options...
shaunfreo Posted May 12, 2019 Share Posted May 12, 2019 21 minutes ago, Ncsmith said: This is really helpful thank you! Thanks it must all seem quite daunting, but just do some research and you should be fine Quote Link to comment Share on other sites More sharing options...
Quoll Posted May 12, 2019 Share Posted May 12, 2019 Some conditions that you may think are medically necessary might be considered elective on the schedule. For example you need your gall bladder out - generally that's elective surgery and I saw one person a while ago whose exploratory procedure for possible cancer was considered elective and they had to pay. Ambulance in Victoria can be eye wateringly expensive so get ambulance insurance - usually included with private health cover. You'll pay the same as everyone else for GP, medications, dental, optical etc. The other whammy is that if you get something that is elective and decide to go home to get it fixed the NHS won't fix it free either as you're no longer resident. Private health cover can be expensive but better safe than sorry. Would your employer consider it as part of your package? Quote Link to comment Share on other sites More sharing options...
Ncsmith Posted May 12, 2019 Author Share Posted May 12, 2019 Unfortunately medical cover isn't sometthing that the company offer. I've found quotes at around $6-800 for 2 adults and a child for healthcare, does this seem reasonable? Thanks again guys Quote Link to comment Share on other sites More sharing options...
shaunfreo Posted May 12, 2019 Share Posted May 12, 2019 57 minutes ago, Ncsmith said: Unfortunately medical cover isn't sometthing that the company offer. I've found quotes at around $6-800 for 2 adults and a child for healthcare, does this seem reasonable? Thanks again guys Is that $600 to $800 per month Quote Link to comment Share on other sites More sharing options...
shaunfreo Posted May 12, 2019 Share Posted May 12, 2019 2 minutes ago, shaunfreo said: Is that $600 to $800 per month Would depend on level of cover would seem a bit high for basic cover, but ok for top notch cover Quote Link to comment Share on other sites More sharing options...
Ncsmith Posted May 12, 2019 Author Share Posted May 12, 2019 Brill. Yeh I thought aim for high and it can only be better news if its cheaper. I guess most don't opt for the top level cover and just pay for dentistry etc as and when required? Cheers Nath Quote Link to comment Share on other sites More sharing options...
Quoll Posted May 12, 2019 Share Posted May 12, 2019 1 hour ago, Ncsmith said: Brill. Yeh I thought aim for high and it can only be better news if its cheaper. I guess most don't opt for the top level cover and just pay for dentistry etc as and when required? Cheers Nath Most people actually get cover for the ancillaries like dental and optical but cut down on the hospital cover - like you probably won't want joint replacement so you can opt out of that, if you're not going to have more kids you can opt out of maternity. You can go for more of an excess payment which will bring premiums down. I'd have thought that was a bit high but it's been a while since I paid it. Your being a temporary resident might also have something to do with the high premiums. Quote Link to comment Share on other sites More sharing options...
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