All Australian citizens can apply for the early release of superannuation on compassionate grounds to help cover the cost of medical treatments.
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
Apply Now
Frequently asked questions
Can I access my super for my overseas medical treatment?
Yes, you can access your super for your overseas medical treatment. Access My Super can help you or any of your dependants to access your super to help cover the cost of your overseas medical treatment.
What type of treatment can I gain approval for?
Access My Super can help you access your super to cover the cost of a variety of medical treatments including dental treatments, IVF treatments, weight loss surgery, reconstructive surgery and specialist medical treatments.
Can I use my super to pay for my children’s medical treatment?
Yes, you can help any dependants including immediate or non-immediate family member.
Are there any limitations on the amount of super I can withdraw?
No, there are no limitations on the amount of super you can withdraw. You are eligible to withdraw the amount required for your treatment as little or as big it may be.
I don’t have enough super; can I access another person’s super for my treatment?
Yes, you can access the super of your spouse, partner or other dependants to cover the cost of your treatment.
How long does the application process take?
Standard processing time is 14-21 business days to get your Letter of Approval, once your application has been lodged with the ATO. We keep you up to date throughout the application process.
