Allianz Care Australia: Top Overseas Visitor Health Cover

• byBudgetpolicy
• 2024-09-16

Planning a trip to Australia involves more than booking flights and accommodation. Healthcare expenses can be costly for visitors, especially if an unexpected illness or accident requires medical attention. Having a suitable Overseas Visitor Health Cover (OVHC) can help you manage eligible medical expenses during your stay.

Allianz Care Australia offers health insurance options for eligible visitors and temporary visa holders. If you are looking for Allianz overseas visitor health cover, it is important to understand the available plans, their benefits, eligibility requirements and exclusions before making a decision.

In this guide, we explore Allianz Care Australia's visitor and working visa cover options, the benefits they may provide and how you can compare policies to find suitable cover for your needs and budget.

What Does Allianz Care Australia Cover?

Allianz Care Australia offers OVHC options for eligible visitors and temporary visa holders. The cover available to you depends on your visa type and the policy you choose.

The following sections outline the plans and benefits described in this guide. Always check the current policy documents, benefit limits, waiting periods and exclusions before purchasing cover, as inclusions can vary between policies.

Allianz Care Australia for Visitor Visa Holders

If you are travelling to Australia on a visitor visa, such as subclass 600, 601 or 651, you may be eligible for a visitor health insurance policy. The services covered will depend on your selected plan and its terms and conditions.

1. Budget Visitors Cover

Budget Visitors Cover is a basic option for eligible visitors seeking hospital and related medical cover. According to the listed benefits, the policy may cover the following services, subject to applicable limits and conditions:

• In-hospital prescription medicines
• Overnight and same-day hospital accommodation
• Surgically implanted prostheses
• Emergency ambulance transport
• Emergency medical repatriation, where included under the policy
• Accident and emergency treatment at a public hospital that results in inpatient admission

The policy is also described as covering eligible services at 100% of the applicable Medicare Benefits Schedule (MBS) fee for most listed medical services. Check the policy documents to understand how benefits are calculated and whether any out-of-pocket expenses may apply.

2. Standard Visitors Cover

Standard Visitors Cover is a higher-level option that may suit visitors looking for additional benefits beyond basic hospital cover.

In addition to the benefits available under the relevant Budget Visitors policy, the listed inclusions may include:

• General practitioner (GP) consultations
• Specialist consultations
• Eligible prescription medicines obtained outside the hospital
• Pathology tests
• Radiology and diagnostic imaging

Benefits, waiting periods and limits depend on the policy terms. Review the relevant product information before deciding which level of cover is appropriate for your circumstances.

Allianz Care Australia for Working Visa Holders

Temporary workers travelling to Australia may need health insurance that meets their visa conditions. Certain visa subclasses, including subclasses 482 and 485, may be subject to condition 8501. Other temporary work visas may have different requirements, so check the conditions that apply to your specific visa.

Allianz Care Australia offers different levels of working cover. The available benefits depend on the plan selected.

1. Budget Working Cover

Budget Working Cover is a basic option for eligible working visa holders. The listed benefits may include:

• Overnight and same-day hospital accommodation
• In-hospital prescription medicines
• Accident and emergency treatment at a public hospital, subject to policy conditions
• Emergency ambulance transport
• Emergency medical repatriation, where included
• Surgically implanted prostheses
• Rehabilitation services, subject to the policy terms

The plan is described as covering eligible hospital treatments at 100% of the applicable MBS fee for many services. Check the current policy documents for the services covered and any applicable limits.

2. Standard Working Cover

Standard Working Cover includes the listed core benefits and may provide additional cover for eligible medical services, including:

• General practitioner (GP) consultations
• Specialist consultations
• Prescription medicines obtained outside the hospital
• Pathology tests
• Radiology and diagnostic imaging

This option may be worth considering if you want cover for eligible out-of-hospital medical services in addition to hospital benefits.

3. Mid Working Cover

Mid Working Cover offers additional benefits beyond those listed under the lower levels of working cover. Depending on the applicable policy, these may include:

• General dental services
• Optical services
• Physiotherapy
• Chiropractic services
• Acupuncture
• Remedial massage

Check the benefit limits, eligible providers, waiting periods and any exclusions that apply to these services before purchasing the policy.

4. Top Working Cover

Top Working Cover is described as the highest level within the listed working cover options. In addition to benefits available under the lower levels, it may include cover for certain additional services, such as:

• Speech therapy
• Hearing aids
• Podiatry
• Psychology services
• Health management services, including certain cholesterol screening and weight management programs

The exact benefits and eligibility conditions depend on the policy. Review the current product information to understand what is included and what costs you may still need to pay yourself.

Additional Benefits of Allianz Care Australia

Depending on the policy selected, Allianz Care Australia may offer features and services designed to support eligible members during their stay in Australia.

24-hour assistance

Access to assistance services can be useful when you need help understanding your cover or finding information about healthcare services. Check your policy documents for the available support channels and contact details.

For general health information in Australia, you can also visit Health direct Australia.

Cover options for different circumstances

Insurance options may be available for eligible singles, couples and families. Check the eligibility requirements and premium for your circumstances before selecting a policy.

Payment options

Payment arrangements may vary depending on the product and purchase method. Confirm the available payment frequency and any applicable conditions before buying your policy.

Access to doctors and hospitals

Your policy may provide benefits for eligible treatment from doctors and hospitals, subject to the policy's terms and conditions. Before receiving treatment, check whether the provider and service are eligible for benefits and whether you may have to pay a gap.

Important Things to Check before Buying Allianz Care OVHC

Before choosing a policy, take time to understand the following factors:

Visa eligibility: Confirm that the policy is appropriate for your visa subclass and meets any applicable visa conditions.

Waiting periods: Some benefits may have waiting periods before you can claim them.

Benefit limits: Certain services may be subject to annual limits, per-service limits or other restrictions.

Exclusions: Review the services and circumstances that are not covered by the policy.

Pre-existing medical conditions: Check the rules that apply to pre-existing conditions and any relevant waiting periods or exclusions.

Out-of-pocket expenses: Your policy may not pay the full cost of every service. Understand how provider charges, benefit limits and the applicable MBS fee can affect your expenses.

Length of stay: Choose a policy period that matches your circumstances and check what happens if your travel plans or visa arrangements change.

Compare and Choose Allianz Care OVHC with Budget Policy

Choosing health insurance is easier when you understand how available options differ in benefits, exclusions and costs. BudgetPolicy helps visitors and temporary visa holders compare OSHC and OVHC options from participating insurers, including Allianz Care Australia.

Before purchasing Allianz overseas visitor health cover, compare the available policy options and review their benefits, waiting periods, exclusions and potential out-of-pocket expenses. This can help you make a more informed decision based on your visa requirements, healthcare needs and budget.

Visit Budget Policy to explore available health insurance options and compare policies. Review the relevant insurer's policy documents before making your final choice.

Choose your cover carefully and make an informed decision before travelling to Australia.