@Paul ******

I like it. Good strategy. I couldn't get any cover with an insurance company I had confidence in.

I remember Warren Buffett's strategy regarding insurance. He said if you banked your premium each month you would come out way ahead. I put AUD$100 into.an account each month so I end up with a reserve like you plus like you. A flight home if it's serious for free cover.

I know you get a free visa but I heard that from 1st December you need a ETA which is the new system that 5 Asian countries are using like Schengen.

Age pension . Thomas Cool man is correct. I get $1030 per fortnight. Disability. 30 days per year travel overseas before it gets cut off. If you return to Oz. Let Centrelink know you are back and you get the supplement and other small benefit for 60 days after you leave the country. You do have to notify them when you are leaving.