United Kingdom 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–United Kingdom (UK) Reciprocal Health Care Agreement applies to them.
Your eligibility is assessed on several factors. The RHCA applies to visa holders who are both:
- residents of the United Kingdom, and
- temporarily in Australia - that is, in Australia but not normally a resident
A person is normally a resident if they regularly live in Australia. If you're normally a resident in Australia you aren't eligible under the RHCA. You may be eligible under the RHCA if the following criteria applies.
Criterion 1 - proof of residence in the UK
To prove residence in the UK you need to provide 1 or more of the following:
- a current UK passport - includes passports issued in the Isle of Man, Jersey or Guernsey
- a National Health Service Medical Card - Great Britain and the Isle of Man
- a Health Service Medical Card - Northern Ireland
- a certificate issued by the Social Security Committee of the States of Jersey
- proof of insurance issued by the Guernsey States Insurance Authority or other proof of residence in the Bailiwick of Guernsey, or
- a European Health Insurance Card with initials UK
If you can't prove your residence in the UK, you are not eligible under the RHCA.
If you have met the requirements of this criterion, we need to determine whether you're normally 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 aren't 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 normally a resident in Australia. Read more about enrolment below.
If you arrived in Australia for the first time 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 normally 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.