Assurance santé internationale en Australie

Get private health insurance in Australia with Cigna Healthcare and let us take care of the hassle.

Australia has golden beaches, great weather, and new opportunities, all of which makes it very appealing for expats.

‘Down Under’ has one of the longest life expectancies in the world. This is partly down to their health system - Medicare. This is a public system providing free or low-cost service for citizens, as well as New Zealanders and those from countries with reciprocal agreements.

How does the healthcare system work in Australia?

Australia’s healthcare system, known as Medicare, guarantees all citizens healthcare at a low, or no cost.Medicare’s funding comes from a mixture of sources.

Government inputs, private coverage and individual fees combine to cover the costs of medical treatment.

The system helps with the costs of hospital visits, medical treatments, scans, and imagery.

Some residents, depending on their personal circumstances, will also benefit from reduced prescription costs as part of the Pharmaceutical Benefit Scheme (PBS).

You’ll qualify for government-run healthcare if you’re:
  • An Australian or New Zealand citizen.
  • An Australian permanent resident.
  • Have applied for permanent residency in Australia.
  • Be a temporary resident covered by a ministerial order.
  • Be a citizen or permanent resident or the Norfolk Islands, Cocos Island, Christmas Island or Lord Howe Island.

If you don’t fit into the above, you’ll be expected to foot the full price of healthcare during your time in the country. That’s where expat insurance in Australia can come in handy.

Staying healthy in Australia

Pros and cons of using Australia's healthcare system


  • Free/very low cost to use.
  • High standard of care provision.
  • Covers a wide range of services, from hospitals to mental health and maternity care.


  • Difficult for visitors and expats to use unless you’re in the process of securing residency.
  • Dental services not included.
  • Can be long waiting times.

What’s the difference between public and private care in Australia?

Public Private
Funded mostly by the government from tax. Accessible to non-residents.
Free to use/low cost, also there are no payable premiums or excess. Better choice of treatment options available.
Only accessible to people of set criteria. Shorter waiting times.


How can international health insurance help you in Australia?

Getting private health insurance in Australia is essential if you don’t fit the requirements for Medicare. Non-residents and new arrivals will need to protect their health with comprehensive insurance coverage. If you’re here for study or are awaiting residency, you should consider protecting your health and finances from accidents and mishaps.

Expat coverage provides broader protection, including prescription medications, doctor visits and emergency services. You’ll also be able to access treatment faster and more efficiently than much of Australia’s public system.

It's essential to carefully review the terms and conditions of any international health insurance policy before purchasing to ensure that it meets your specific needs and provides adequate coverage for your situation in Australia.

Find out more about expat life Down Under

Choosing your international health insurance

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Why choose Cigna Healthcare for health insurance in Australia?

  • Dental costs included - cover the costs of some emergency dental treatments and extend your protection beyond the basics of Medicare.
  • Support all year long - we offer support wherever, whenever.
  • Choice of options - get a health insurance plan ahead of your move to Australia at a cost suited to your personal circumstances.
  • Priority access - you’ll receive the best support from qualified doctors and nurses without the hassle of long waiting times and queues.

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Yes, in some cases we may include cover for repatriation to your home country if your specific treatment or emergency needs cannot be catered for in Australia. However, Australia has one of the world’s leading healthcare services and covers most treatments.

The cost of health insurance will depend on your personal circumstances. Some elements, like your age, will alter the cost of your medical protection.

The standard of healthcare in Australia is one of the highest in the world. The World Health Organization ranks the country as the 32nd most efficient. It’s easier for those living in the inner city and built-up areas to access treatment than those in rural areas.