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      Four Tips For Creating a More Functional Living Room Space

      Four Tips For Creating a More Functional Living Room Space

      Shoot and Edit Amazing Home Videos This Winter Season

      Shoot and Edit Amazing Home Videos This Winter Season

      Travelling to the US? Hot tips on finding the best car insurance

      Fast home organisation tips for the kitchen

      Fast home organisation tips for the kitchen

      Working from home with kids

      Working from home with kids

      Grow an amazing garden

      Grow an amazing garden

      Laundry lick of love

      Laundry lick of love

      Swoon-worthy modern living rooms

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      Your Dream Kitchen Including Appliances for Under $5k

      Your Dream Kitchen Including Appliances for Under $5k

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      The Secret To Totally Transforming A Shed In A Weekend & How We Did It For Under $250

      Going Green: Save Big Around The Home

      Going Green: Save Big Around The Home

      Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

      Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

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        10 tips to save money on electricity in Australia

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        Maximise your food budget by cooking in bulk

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        10 save money quotes: Successful strategies to finally stop spending

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        11 ways to make money in Australia: How to get ahead

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        15 great quotes on how to save money

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        Cut your food budget and shop smarter

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        22 clever grocery hacks to save money and time

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          Shoot and Edit Amazing Home Videos This Winter Season

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          Going Green: Save Big Around The Home

          Going Green: Save Big Around The Home

          Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

          Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

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          The Ultimate Guide To Colour Coding Your Family Fast

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          The Sydney Travel Checklist You Shouldn’t Leave Home Without

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            Run errands smarter to save big

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            • FOOD
              • All
              • Groceries
              • Inspiration
              • Lunches & Leftovers
              • Meal Planning
              30 fast meal prep ideas

              30 fast meal prep ideas

              Grow an amazing garden

              Grow an amazing garden

              Craftspiration – Colourful kits

              Craftspiration – Colourful kits

              Laundry lick of love

              Laundry lick of love

              Indulgent dream life wall

              Indulgent dream life wall

              Swoon-worthy modern living rooms

              Swoon-worthy modern living rooms

              Smoothie Bowl Inspiration

              Smoothie Bowl Inspiration

              Nifty tricks for saving big on meat

              The Smart Cookbook Changing Lives

              The Smart Cookbook Changing Lives

              Ways to save money fast around the house today

              Ways to save money fast around the house today

              Sugar Free Kids Lunches

              Healthy Kids Lunches

              Trending Tags

              • HOME LIFE
                • All
                • Baby
                • Home Organisation & Storage
                • Housework & Cleaning
                • Kids & Parenting
                • Kids Tips
                • LIFESTYLE
                • Love & Relationships
                • Media
                • Organise & Declutter
                • Outdoor Spaces
                • Real Estate
                • Recycling Tips
                • Renovation Tips
                • Room Makeovers
                • Utilities
                • Working from home
                Four Tips For Creating a More Functional Living Room Space

                Four Tips For Creating a More Functional Living Room Space

                Shoot and Edit Amazing Home Videos This Winter Season

                Shoot and Edit Amazing Home Videos This Winter Season

                Travelling to the US? Hot tips on finding the best car insurance

                Fast home organisation tips for the kitchen

                Fast home organisation tips for the kitchen

                Working from home with kids

                Working from home with kids

                Grow an amazing garden

                Grow an amazing garden

                Laundry lick of love

                Laundry lick of love

                Swoon-worthy modern living rooms

                Swoon-worthy modern living rooms

                Your Dream Kitchen Including Appliances for Under $5k

                Your Dream Kitchen Including Appliances for Under $5k

                Home Page New

                The Secret To Totally Transforming A Shed In A Weekend & How We Did It For Under $250

                Going Green: Save Big Around The Home

                Going Green: Save Big Around The Home

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                Trending Tags

                • MONEY
                  • All
                  • Bills & Budgeting
                  • Business & Finance
                  • Credit & Debt
                  • Insurance
                  • Investment
                  • Make Money
                  • Mortgages & Loans
                  • Save Money
                  • Super, Tax & Retirement
                  Four Tips For Creating a More Functional Living Room Space

                  How to Turn Your Passion Project Into a Fully-Fledged Business

                  11 money-saving tips – get out of debt and save more

                  Make $350 in savings without working

                  14 ways to save money in Australia

                  10 tips to save money on electricity in Australia

                  10 tips to save money on electricity in Australia

                  Maximise your food budget by cooking in bulk

                  Maximise your food budget by cooking in bulk

                  10 save money quotes: Successful strategies to finally stop spending

                  10 save money quotes: Successful strategies to finally stop spending

                  11 ways to make money in Australia: How to get ahead

                  11 ways to make money in Australia: How to get ahead

                  15 great quotes on how to save money

                  15 great quotes on how to save money

                  Cut your food budget and shop smarter

                  Cut your food budget and shop smarter

                  22 clever grocery hacks to save money and time

                  22 clever grocery hacks to save money and time

                  Ways to be frugal while living down under

                  Ways to be frugal while living down under

                  14 epic money-saving hacks for 2021

                  14 epic money-saving hacks for 2021

                  Trending Tags

                  • LIFESTYLE
                    • All
                    • Car Tips
                    • Christmas
                    • Entertainment
                    • Hacks
                    • Holiday
                    • Leisure & Recreation
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                    • Videos
                    Shoot and Edit Amazing Home Videos This Winter Season

                    Shoot and Edit Amazing Home Videos This Winter Season

                    Travelling to the US? Hot tips on finding the best car insurance

                    Going Green: Save Big Around The Home

                    Going Green: Save Big Around The Home

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Here’s a smart solution! Rent camera gear for amazing shots & savings. Wow your Insta-audience too.

                    Home Page New

                    T’is The Season To Be Thrifty In July

                    6 tricks for slashing your next car loan

                    Home Page New

                    Living The Good Life Without The Guilt

                    Home Page New

                    Turning Food Waste Into Savings On Steroids

                    Home Page New

                    OMG! How to have the best African holiday ever!

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Ultimate Guide To Colour Coding Your Family Fast

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

                    The Sydney Travel Checklist You Shouldn’t Leave Home Without

                    Most Commonly Overlooked Boating Expenses

                    Most Commonly Overlooked Boating Expenses

                    Trending Tags

                    • YOU
                      • All
                      • Beauty
                      • Body
                      • Feel Good
                      • Mind
                      • Spirit
                      • Style
                      Home Page New

                      Aussie Mums Guilty & Swamped With Housework

                      Home Page New

                      Living The Good Life Without The Guilt

                      Most Commonly Overlooked Boating Expenses

                      Most Commonly Overlooked Boating Expenses

                      How To Be the Queen Of Tropicana

                      How To Be the Queen Of Tropicana

                      Don’t quit your day job until you read this

                      Don’t quit your day job until you read this

                      Run errands smarter to save big

                      Run errands smarter to save big

                      Sleep more and eat well to get richer

                      How to buy your own dream island

                      This attitude hack makes people rich

                      How To Make The Most Of Your Study Session

                      When The Pain Just Won’t Go Away

                      Jewellery hacks: Fast tips on how to wear necklaces

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                      Health Insurance Pitfalls for Australian Visa Holders

                      Penina Petersen by Penina Petersen
                      May 14, 2022
                      in Latest, Trending
                      0
                      Health Insurance Pitfalls for Australian Visa Holders

                      Here’s some great advice for immigrants planning to move to Australia’s glistening shores. There are many important jobs to tick off your list. Yes, work before play. Get through all the pesky paperwork, so you won’t have any issues with Visas and other humdrum jobs. An important item on your list should be health insurance.


                      I know, I know. All you want to do is head to the beach, and feel the warm all-encompassing sun on your face. So organising health insurance is the furthest thought from your mind. Not to worry. You’re in the Savings Room, where I try to make boring things fun. I’ll make this as painless as I can.

                      This is the first important thing to know:

                      The majority of temporary visa holders are not qualified for Medicare. This means, if you get sick, you will be up for the costs of any healthcare while in Australia.

                      Visa Types

                      If you are seeking an Australian visa, you will find that you’ll need health insurance first. This is mandatory, regardless of visa types. Consider this important point if you’re visiting Australia to work on a short or long term basis.

                      These are the most popular visa types foreigners apply for:

                      • Temporary Shortage of Skills (TSS)
                      • Temporary Graduate
                      • Temporary Activity
                      • Temporary Work

                      These visas have completely different purposes. You will be not be able to secure these visas without proper healthcover from an insurance company.

                      Insurance for Visa

                      Also, Australian visa applicants must buy an adequate level of health cover.
                      For example, working visa health insurance plans demand the following:

                      • Hospital care
                      • In-patient medical services
                      • Ambulance emergencies

                      Further, this kind of insurance usually doesn’t cover extras. For example, dental, physiotherapy or optical services aren’t included. If you think you may need these services, purchase a higher level plan or take out extras cover as well.


                      Student visasalso require health cover. This type of cover is otherwise known as Overseas Student Health Cover. This is mandatory in Australia, but students studying in other countries may not need it. These countries include Sweden, Belgium and Norway.

                      Price of Health Cover

                      Australia’s public health system, Medicare, is mainly funded through taxation. Usually, the cost for Medicare is 2% of one’s taxable income. You will pay a reduced rate if you earn less than $21,655 AUD or as a senior, less than $34,244 AUD. In case you don’t have private insurance and earn more than $90,000 AUD, you will have to pay the MLS. This is the Medicare Levy Surcharge.


                      Temporary visa holders will need to get private health cover. The average cost for hospital insurance is around $2,000 AUD with extras at around $900 AUD per year. The final cost of your health cover will depend on which services you choose and where you live.


                      The approximate price for one month of the Overseas Student Health Cover is around $40 AUD. So, for a course that will last one year, a student will need to pay for the health cover around AU$500.

                      Common Mistakes

                      Getting the right health cover is a complicated and exhausting process. Often, people regret their first insurance choice. They become overwhelmed and don’t shop around enough.


                      As a future visa applicant, try to leave enough time to research your options well.

                      Make sure to:

                      1. Look for health insurance well before applying
                      2. Do this on time so you won’t lose your chance to get the visa
                      3. Make sure your chosen health cover includes all services you may need

                      For example, if you visit the dentist a lot now, be sure to include dental in your Australian plan. Dental expenses are high in Australia if you don’t plan ahead.

                      Final Thoughts

                      Starting life in a foreign country is never easy as it takes time to adapt. Knowing that you’re covered in case of an unexpected event is reassuring. Relax and avoid healthcare pitfalls so you can enjoy your time in the Aussie sunshine.

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                      Penina Petersen

                      Penina Petersen

                      Published Author, blogger, mumpreneur and eco-warrier.

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