Whether you need health insurance depends on your residency status, financial risk tolerance, and access to public healthcare. In Australia, permanent residents rely on Medicare for public hospital care, but private health insurance helps avoid the Medicare Levy Surcharge, covers private hospital room choices, and eliminates long elective surgery wait times. For temporary visitors, international students, and foreign workers, maintaining approved health insurance (like OSHC or OVHC) is a strict mandatory legal condition for visa compliance.
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