Access Your Super Early for Overseas Medical Treatments

Discover how to use your super to cover overseas medical costs with ease.

Access Your Super Early for Overseas Medical Treatments

Discover how to use your super to cover overseas medical costs with ease.

Eligibility Requirements

If you’re an Australian resident or citizen, you may be able to access your superannuation
early to cover essential overseas medical costs.

You can only withdraw what you need to cover:

  • Medical expenses (surgery, hospital fees, specialist costs)
  • Travel and accommodation
  • The amount is assessed case by case.

You may be eligible to withdraw your super early for:

  • Dental Care
  • IVF and various Fertility Treatments including:
    • Surrogacy
    • Male Fertility Treatments
    • Egg and Sperm Donation
  • Weight Loss and Bariatric Surgery
  • Psychiatry and Mental Health
  • Eye Surgery
  • Cosmetic and Plastic Surgery
  • Orthopaedic Surgery
  • Cardiology and Cardiovascular Surgery
  • Oncology (Cancer Treatment)
  • Neurology and Neurosurgery
  • Gastroenterology
  • Hair Transplant Treatment

Top Countries for Overseas Medical Treatment – Where Australians Go for Care

If you’re considering accessing your superannuation early for overseas medical treatment, you’ll want to know the best destinations for high-quality, affordable care. Here are the top countries Australians visit for specialised treatments.

  • Thailand
  • India
  • South Korea
  • Turkey
  • Singapore
  • Malaysia
  • Indonesia

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Frequently asked questions

Who is eligible for the Early Release of Super for medical treatments?

All Australian citizens can apply for the early release of superannuation on compassionate grounds to help cover the cost of medical treatments.

Can I access my super for my overseas medical treatment?

What type of treatment can I gain approval for?

Can I use my super to pay for my children’s medical treatment?

Are there any limitations on the amount of super I can withdraw?

I don’t have enough super; can I access another person’s super for my treatment?

How long does the application process take?