The Move To Australia Guide
Move To Australia Guide
»
  • Home
  • Frequently Asked Questions
  • Discussion Forum
  • Visa Requirements For NZ Citizens Living In Australia
  • How To Become An Australian Citizen
  • Moving Your Money From New Zealand To Australia
  • Healthcare For New Zealanders Living In Australia
  • Shipping Your Stuff From NZ To Australia
  • Driving In Australia
  • Finding A Job In Australia
  • Finding A Place To Live In Australia
  • Buying A Home In Australia
  • Moving To Australia With Pets

Feedback? Please Contact Us.

Our goal is to make this guide the most useful resource available to Kiwis making the move to Australia. If you believe any of this information is unclear, incorrect, or out of date, please email us at hello@movetoaustralia.net. We appreciate all feedback!

Also, be sure to check the discussion forum for the latest information.

All Content Copyright 2007 - 2025
Move To Australia Guide
»
Healthcare for New Zealanders Living in Australia
Last updated over 1 year ago on 11 December 2023

Healthcare for New Zealanders Living in Australia

Information about the healthcare entitlements for New Zealanders living in Australia.

Key Points

  • Getting full access to public healthcare. To qualify for the fully subsidised public healthcare scheme in Australia, you need to enrol for Medicare. New Zealand citizens residing in Australia qualify for enrolment.
  • Just visiting? NZ and Australia have reciprocal healthcare agreements to cover emergency healthcare. Many non-urgent medical costs are not covered by this agreement.

Like New Zealand, Australia has both public and private healthcare systems. The public health services in Australia are provided by Medicare AustraliaThis is an external link, an Australian Government agency.

Public Healthcare

As a New Zealander living in Australia you are entitled to free emergency hospital care but generally must pay full price for all non-hospital treatment (medicines, doctor visits, etc) unless you hold a Medicare card. Being a New Zealand citizen residing in Australia qualifies you for enrolment in the Medicare program, so you will want to make sure you do this soon after arriving in Australia.

How Soon Can You Get Medicare?

You can enrol in Medicare as soon as you have the supporting documents (see How to Apply below) - most people will be able to get these together within the first 2-3 weeks after arriving.

Make sure you enrol in Medicare in the first six months after you arrive in Australia.

See this pageThis is an external link of the Medicare Australia site for the latest information on the eligibility requirements for the Medicare scheme.

What Does Medicare Cover?

Medicare covers all or some of the following costs:

  • consultation fees for doctors, including specialists
  • tests and examinations by doctors needed to treat illnesses, including - X-rays and pathology tests
  • eye tests performed by optometrists
  • most surgical and other therapeutic procedures performed by doctors (although as in New Zealand, you usually go on a wait list for these).

Medicare doesn’t cover:

  • ambulance services (this needs to be covered under private health insurance or out of your own pocket)
  • the majority of dental services
  • glasses, contact lenses and hearing aids
  • cosmetic surgery
  • Medicines are subsidised separately under the Pharmaceutical Benefits Scheme. You can find out more about what medicines are on the PBS hereThis is an external link.

You can read the full list of what Medicare covers hereThis is an external link.

Cost of Visiting a Doctor in Australia

What you pay to see a doctor in Australia varies depending on whether the doctor bulk bills or not. When you visit a doctor that bulk bills, Medicare will cover the full cost and you won’t need to pay anything. (In our experience bulk bill GP surgeries are generally very hectic for this reason!).

Other doctors don’t bulk bill, meaning you have to pay either the full cost up front (and the Medicare-covered portion will be refunded back to you usually overnight) or you will have to pay the difference between what the doctor charges and Medicare covers.

During 2022-2023 we’ve paid approx $90 upfront for a non-bulk bill GP appointment and received approx $41 back from Medicare.

How to Apply for Medicare

Applying for Medicare is pretty straightforward as long as you have the required documents. When we moved to Australia we had to apply for Medicare in person and join a long queue, but now you can either post or email your form.

You will need:

  1. Two documents proving you live in Australia, for example, proof of school enrollment, a utilities letter or bill or purchase or lease agreement. You can find a full list of accepted documents hereThis is an external link

  2. A completed Medicare application formThis is an external link

You can then post or emailThis is an external link your completed application form and documents.

Read the full instructions for enrolling in MedicareThis is an external link.

Using Your Medicare Card

It’s a good idea to keep your Medicare Card with you at all times. Aside from using it to access health services, it can also serve as useful supporting identification.

When you first visit a doctor in Australia, they will ask you to fill out a form with your contact details, any important medical history and allergies, and provide your Medicare number.

Your doctor will then submit your Medicare claim for you following an appointment, so there is usually nothing more you have to do to receive it.

Private Health Insurance

Although Medicare ensures you have access to free hospital care at public hospitals and free or subsidised doctor and specialist visits, the Australian Government also strongly encourages getting private healthcare insurance.

About 55% of Australians take out private health insurance and there are 3 major reasons why:

  1. To cover ambulance use in emergencies.
    Unlike New Zealand, ambulance services in most Australian states are not covered by public healthcare and without health insurance, the cost of using one can run into the thousands of dollars. The exception is Queensland, which does provide a free ambulance service to the lucky (or unlucky!) residents who need it.

  2. For dental care.
    Dental care is not subsidised by Medicare, except in situations when a dental problem is affecting overall health.

  3. Financial incentives from the Australian Government.
    This includes an (up to) 24.6% rebate on insurance premiums and an additional 1.5% tax levy on high income earners who don’t take out insurance. And to encourage you to get hospital cover at a young age, health insurers charge an additional 2% loading on top of your premium for every year you are aged over 30.

Many people just have ambulance/hospital cover, while people with specific needs or a family may want to get some extras.

There are lots of different health insurance providers offering various packages and choosing between them can get a bit overwhelming. We recommend using comparison sites like iSelectThis is an external link to help find the best package for you.

CanstarThis is an external link recently announced their 2023 awards for the best value health insurance and HCF came out on top.

Finding Specialists In Australia

If you are currently seeing a specialist in New Zealand, ask them for a referral to a specialist in Australia before you leave.

Alternatively you can visit a GP on arrival and ask for a referral.

Having A Baby And Raising A Family In Australia

Medicare helps with the following costs associated with pregnancy and having a baby in Australia:

  • routine ultrasounds
  • pregnancy counselling
  • blood tests
  • some immunisations
  • care from midwives and obstetricians
  • telehealth/telephone consults.
  • If you choose to give birth at a public hospital as a public patient, this will be covered by Medicare.

Find out more about Medicare cover on conception, pregnancy and birthThis is an external link.

Disability And Carer Payments

Luckily things have gotten a little better for Kiwis in Australia with disabilities and alongside Medicare subsidies you can now access the NDIS (provided you meet the other eligibility requirements). Read more about the disability support pensionThis is an external link.

Carers can also access the Carer PaymentThis is an external link, again, as long as you the person you are caring for meet the other eligibility requirements

Still have questions about healthcare for New Zealanders in Australia? Take a look at our discussion forum where you can ask for help and share what you‘ve learned.
Buy Us A Coffee?Have we helped you? Please keep this site running. We‘ve helped thousands of people with their move to Australia but very few give anything back. Maybe you will?