Social security agreement

Australia and Finland have a social security agreement that covers medically necessary treatment. Finnish residents temporarily staying in Australia are entitled to medically necessary treatment either free of charge or at the co-payment rate. If you are travelling from Finland to Australia on a student visa from Finland, you are not covered by this agreement and must have valid health insurance as a condition of your visa.

Medically necessary treatment refers to treatment that cannot wait for your return home. You may require such treatment in the event of an acute illness or accident. You can also receive treatment for pregnancy, childbirth, or chronic conditions. The need for treatment must emerge during the course of your stay.

The social security agreement does not apply to the external territories of Australia, i.e. the Cocos (Keeling) Islands or Christmas Island.

You can access healthcare services by presenting a Finnish passport and your Kela card.

Healthcare and medical care in Australia

Health Insurance in Australia is administered by Services Australia, which operates under the Department of Social Services (DSS). You can inquire about the availability of healthcare services at Medicare offices. You can find the contact details of Medicare offices by region on the Services Australia website. You can also obtain a Medicare card — required when seeking treatment — at one of these offices. More information about Medicare is available here.

When you apply for the card, present your passport, visa/residence permit and your Kela card. If the card is granted, it will be sent to you by mail. If the length of your stay in Australia is only of a short duration, you may not receive a card. In this case, the Medicare office will advise you on how to proceed.

The Healthdirect website provides more information about health services in Australia. The website also includes a search tool you can use to find service providers.

Doctor

You can see a general practitioner either at a community health centre or at a private clinic.

Treatment may be invoiced in different ways. You may be asked to show your Medicare card, in which case Medicare will pay the doctor directly, and you won’t need to pay anything yourself. However, it is possible that you will only be reimbursed by Medicare after you have paid the full invoice and submitted a claim for the doctor’s visit. It is recommended that you check in advance how the treating doctor charges for the treatment. More information about invoicing is available on the Health Direct website.

If you need to pay a co-payment, you can pay the invoice yourself and apply for a reimbursement on the basis of receipts from a Medicare office. Sometimes, the doctor’s office can send an application for reimbursement to Medicare electronically once you have paid the invoice. In this case, the reimbursement will be deposited into your bank account at a later date. Alternatively, you can take the unpaid invoice to a Medicare office. You will receive a cheque addressed to your doctor from the office, which covers part of you treatment costs. You must take the cheque to your doctor and also pay them the co-payment.

As a general rule, dental care is not reimbursed. Likewise, no reimbursement is generally provided for complementary health care services, such as physiotherapy or psychological services.

You are responsible for the cost of patient transport.

Medication

You may receive partial reimbursement for the cost of medications when your doctor prescribes them in accordance with the Australian Pharmaceutical Benefits Scheme. In this case, you will pay the co-payment for your medications.

Hospital treatment

Present your passport or Medicare card at the hospital reception. This way, treatment in public hospital, either in a day or inpatient ward, is free for you as a public patient.

Please note that in Australia, patients who use private healthcare can also receive treatment in public hospital facilities. The costs of treatment in private hospitals are the responsibility of the patient unless covered by their private health insurance.

Patient data

Remember to ensure that your patient data is transferred between countries. You can provide those responsible for your follow-up care or your healthcare provider with the patient records related to the treatment you received abroad. If the patient records need to be translated, you will be responsible for arranging the translation yourself.