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In these cases a 20% restocking fee will be charged.

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However, people from countries that Australia has a Reciprocal Health Care Agreement with can access a certain level of subsidised treatment from Medicare.

Hospital cover is also what you need to avoid the Medicare Levy Surcharge (MLS).

Health insurance hospital cover Extras cover allows you to claim for out-of-hospital health services such as dental and physio.

Extras pay either a set refund or a percentage refund.

Health insurance extras cover A combined policy includes cover for both in and out of hospital services.

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