飞出国：澳大利亚的国民医疗保健Medicare通常是提供给澳洲公民，永居签证持有者以及部分新西兰公民，因此，一般说来，来澳大利亚的访客无法享受医疗保险，无论是在公立还是私立医院环境中，与在澳大利亚提供的医院、医疗和辅助医疗保健相关的所有费用都要自行负责。因此，移民局建议所有到澳大利亚的访客尽量自己买好私人医疗保险（不论是否签证要求），以确保满足任何突发的医疗需求。在澳大利亚，没有国民医疗保健也没有私人医疗保险的，在就医和享受医疗服务的时候，将会需要自行支付所有费用。
在申请澳洲签证中，一般常见于父母访客签证（比如600访客签证）或者父母移民类签证（比如870父母签证）可能会需要购买海外游客健康保险 (OVHC) ，该产品是适当水平的私人健康保险，但移民局建议购买时需注意 OVHC 产品涵盖和不涵盖的内容，因为并非所有产品都提供全面的保险以满足个人的医疗保健需求。
In the majority of cases, visitors to Australia do not have access to Medicare, and are therefore responsible for all costs associated with hospital, medical and para-medical health care rendered in Australia, whether provided in a public and or private hospital setting.
Eligibility under Medicare is governed by the Health Insurance Act 1973, is generally restricted to people who are permanently residing in Australia, and are either:
- Australian citizens
- permanent visa holders
- New Zealand citizens, or in certain circumstances, applicants for permanent residence visas.
In the absence of Medicare eligibility, all visitors to Australia are strongly recommended to make their own arrangements for private health insurance (regardless of whether or not it is a visa condition) to ensure they are fully covered for any unplanned medical and or hospital care they may need while in Australia.
When in Australia and health care assistance is required, and a person is not covered by an appropriate level of private health insurance cover, as a non-resident and non-citizen of Australia, a person will be considered a private patient and will be required to pay any costs themselves at the time of treatment. This will apply whether a person seeks health care treatment in either the public and or private health care systems in Australia. For routine medical treatment in Australia, out-of-hospital treatment from a general practitioner is normally the most cost-effective solution.
While most commonly, Overseas Visitor Health Cover (OVHC) products help to provide an appropriate level of private health insurance cover, consumers are encouraged to take note of what is and is not covered under an OVHC product as not all products offer a comprehensive level of cover to meet a person’s individual health care needs.
申请人购买私人医疗保险的时候，需要注意保险所覆盖的范围，比如公立医院就以，外科植入手术，药品，医疗服务，救护车服务，等待周期，不保的疾病，以及保额。一般，移民局建议每人每年保额不低于100万澳币，申请人可以根据自己的情况购买不低于最低额甚至更高额的保险。
As a guide, you should purchase cover that provides benefits at least equivalent to the following and consider whether a higher level of cover may be more appropriate than the minimum level of health care we suggest.
The Australian Government sets the maximum waiting periods that an Australian registered private health insurer can impose for hospital treatments, these include:
- 12 months for pregnancy and birth related treatments (obstetrics),
- 12 months for pre-existing conditions,
- Two months for psychiatric treatments, rehabilitation or palliative care, even for a pre-existing condition,
- Two months in all other circumstances.
To comply with the minimum level of health insurance, the per-person, per-annum benefit must not be less than AUD1,000,000.
有些签证会要求在下签之前提交已购买保险的证明，申请人一般可以参考 www.privatehealth.gov.au 购买私人保险，同时需要注意是否满足移民局提出的保险要求。
Some Australian visas require you to provide evidence of adequate arrangements for health insurance while in Australia before we determine whether or not a visa is granted.
We might ask you to provide a copy of a current private health insurance policy held with an Australian registered private health insurer for you and any additional applicants applying for the visa with you.
Check the requirements of the visa you are applying for.
Prospective visitors to Australian are encouraged to shop around to get the best value private health insurance product for their time in Australia. Visitors to Australia are recommended to visit the Australian Government website: www.privatehealth.gov.au for further information about private health insurance in Australia to ensure they fully understand their requirements and available options. The Government website also provides a list of private health insurers operating in Australia to help consumers choose an insurer for the uptake of cover.
