Finland Reciprocal Health Care Agreement for 405 and 410 retirement visa holders
This information is to help 405 and 410 retirement visa holders in Australia to determine if the Australia-Finland Reciprocal Health Care Agreement applies to them.
Your eligibility is assessed on several factors. The RHCA applies to visa holders who are both:
- a resident of Finland, and
- temporarily in Australia - that is, in Australia but not ordinarily a resident
Generally, a person is 'ordinarily resident' if they regularly live in Australia. If you're ordinarily resident in Australia you aren't eligible under the RHCA. You may be eligible under the RHCA if the following criteria apply:
Criterion 1 - proof of residence in Finland
To prove residence in Finland you need to provide 1 or more of the following:
- a current Finnish passport
- a sickness insurance card issued by the Finnish Social Insurance Institution, or
- a European Health Insurance Card with initials FI
If you don't meet the requirements of this criterion, you haven't proved your residence in Finland and are not eligible under the RHCA.
If you have met the requirements of this criterion we need to determine whether you're ordinarily a resident in Australia.
Criterion 2 - determine if you're a resident in Australia
If you've lived in Australia for a total of more than 6 of the past 12 months, either continuously, or intermittently, you are not eligible under the RHCA.
If you arrived in Australia for the first time in the past 12 months, and haven't spent more than 6 months here since then, either continuously or intermittently, you're eligible under the RHCA - you aren't considered ordinarily a resident in Australia. Read more about enrolment below.
If you first arrived in Australia more than 12 months ago, you may not be eligible under the RHCA even if you haven't lived in Australia for a total of more than 6 of the past 12 months, either continuously or intermittently. Read more about criterion 3.
Criterion 3 - established lifestyle
Your eligibility also depends on your established lifestyle in Australia. You’re considered ordinarily a resident and not eligible under the RHCA if 3 or more of the following apply to you:
- you intend to spend more than 6 of the next 12 months in Australia
- your visits to Australia form a pattern of regular and significant visits over a number of years
- you own property in Australia
- you lease or rent property in Australia
- you have a spouse, parent or children living in Australia
- you're employed in Australia
- you have a bank account in Australia
- you have a motor vehicle registered in your name in Australia
- you have formed ties to the community in Australia, such as membership of a club or other organised groups
If you think you’re eligible under the RHCA, complete the Medicare enrolment application form. You can post or email it, along with certified copies of supporting evidence, to:
Victoria Medicare Public Eligibility Team
Department of Human Services
PO Box 9822
Melbourne VIC 3001
Email the MPS eligibility team.
Make sure you also send a signed statutory declaration confirming your residence status under all criteria.