Ask the hospital or doctor if a refund is possible. If not, ask the local public health. You must ensure that you have adequate travel and health insurance to cover your stay in these places. For these reasons, it is always possible for someone from a country with a mutual health agreement to withdraw OVHC while in Australia: you are treated as if you were a resident of the country in question. In general, these agreements apply to British nationals living in the United Kingdom. If you are not a British national, you can still be insured for an inexpensive or free treatment if you normally live in the UK. Australia has a mutual health agreement with the UK, which means that UK residents are able to get some health services free of charge while visiting Australia. Many hospitals in Montenegro do not accept the European Health Insurance Card (EHIC) to prove that you are entitled to free emergency care. While RHCA is an incredible resource for Australians travelling abroad, it is always important to ensure that you are fully covered for all your health care costs. Travel insurance is essential to protect your health while travelling abroad.
If you plan to live or work in one of the countries of mutual agreement, the information contained in the links below may not apply. Note: Reciprocal health agreements with the following countries were terminated in 2016: Under these agreements, Australia equates social security/stay periods in those countries with periods of Australian residence in order to meet the minimum qualification periods of Australian pensions. In other countries, periods of Australian working life are generally counted as social security periods to meet their minimum payment periods. Typically, each country pays a partial pension to a person who has lived in both countries. However, there are several reasons why someone from a country with a mutual health agreement could still choose to purchase OVHC insurance. OVHC policies may cover items that are not covered by Medicare and are therefore not available to RHCA visitors without health insurance: to see if you are qualified for a Medicare visit, www.medicareaustralia.gov.au Finns are covered by the reciprocal agreement for the duration of their stay in Australia until their visa expires.