Health Insurance

It is a little bit different from my country, in my country we pay for health insurance and don't need to spend any money out of pocket, here 99% of time you will need to pay for it and then claim for it, many times through internet, some of them you need to go to any attendance place to claim.

I have Medibank under working visa, I think it is the most famous and expensive in Australia, unfortunately because of my work I could not get another one that should have less coverage but much cheaper. One day I came to the doctor and he charged me AU$90.00 for a simple consult and to give me a prescription, when I claim for it they gave me back just AU$73.00.

If you are student your life will be easier in this aspect, you can pay for NIB, it's really good too and much cheaper

Medibank Health Insurance http://www.medibank.com.au

NIB Health Insurance  http://www.nib.com.au

MBF Heal Insurance http://mbf.com.au

Dentist
Most of health insurances cover few dentist expenses but no much, anyway the cost of a dentist session is too expensive.
My first dentist visit I have a bad, really bad news, it was a root canal and worse it would be AU$3400 to have it done, anyway I paid for it and the insurance gave me back just AU$800, ahhhhhhhhh, it hurts. After few visits to this dentis we have found a really good one and much, I mean much cheaper, a root canal in this one cost close to AU$1200 and even better after claim to Medibank we got back between AU$600 to AU$700, it is in Melbourne Victoria.

I almost forgot to say most of the dentists you don't need to pay in full and claim, they have a machine like a Credit Card machine but from Medibank and you just pay the difference between the full price and how much your health insurance has covered.

General Practitioner ( GP )
After many months too, my wife and I found a doctor (Medical Centre) that fortunately our health insurance cover the full value, we paid nothing.

In most cases, if you need to go to a dermatologist, a gynaecologist or wherever you think you need, you cannot go straight away, you need to consult a GP first and this guy will send you to a right doctor or specialist.

Hospital just in last case, but I can anticipate, go prepared to stay for long because to get done just few stitches, a friend of mine stood for 4 or 5 hours on Monash Medical Centre on the emergency to get few stitches on his finger.



That is it, make your choice and good luck.