Affordable Overseas Visitor Health Cover by Allianz Care Australia

The overseas visitor health cover provided by Allianz Care Australia depends on the visa you have applied for to visit Australia and the policy you choose. In the following blog, we will talk about OVHC by Allianz Care Australia for workers' visas.

Allianz Care Australia Workers Insurance

Workers on the following visas - 482, 485, and 417 and other working visas that require meeting condition 8501 can consider enlisted policies:

1.       Budget Working Cover. This covers 100% of the Medicare Benefits Schedule -MBS fee for the majority of treatments in a public or private hospital other than for assisted reproductive services such as IVF and cosmetic surgery that is not practiced under medical emergency. The cover also pays for certain hospital fees:

·         Overnight and same-day hospital accommodation

·         In-hospital medications

·         Accident and emergency fees leading to inpatient admission

·         Emergency ambulance transport

·         Emergency medical repatriation cover

·         Surgically implanted prostheses

·         Rehabilitation

2.       Standard Working Cover. This is the next level of health cover after Budget Working Cover, which covers all the same things in addition to a few other treatments and services such as:

·         Visits to a local doctor, i.e., a general practitioner, or GP

·         Non-hospital prescriptions

·         Pathology

·         Radiology

·         Visits to other specialists

·         Mid Working Cover

·         General Dental

·         Optical

·         Physiotherapy

·         Chiropractic

·         Complementary therapies - acupuncture and remedial massage

3.       Top Working Cover. Top working cover is the highest level of cover that covers you for everything that all the other policies do. In addition, it covers:

·         Speech therapy

·         Hearing Aids

·         Podiatry

·         Psychology

·         Health management along with cholesterol screening and weight management programs

Who Needs Allianz Care Australia Worker's Insurance?

You will need this type of insurance if you are applying for or hold any of the enlisted visas:

·         405 Investor Retirement

·         408 Temporary Activity

·         417 Working Holiday

·         400 Temporary Work, Short Stay Specialist

·         457 Temporary Work, Skilled (replaced by the 482 visa in 2018)

·         482 Temporary Skill Shortage

·         485 Temporary Graduate

·         489 Skilled Regional, Provisional

·         416 Special Programs

·         420 Temporary Work, Entertainment

·         461 New Zealand Citizen Family Relationship

·         462 Work and Holiday

·         401 Temporary Work, Long Stay

·         407 Training

·         188 Business Innovation and Investment, Provisional

·         402 Training and Research (closed to new applicants since 2016)

·         403 Temporary Work, International

·         580 Guardian (closed in 2016 and replaced with the 590 visa)

·         590 Student Guardian

·         476 Skilled, Recognised Graduate

·         010 BVA Bridging visa (only if there is a requirement for health cover)

·         020 BVB Bridging visa (only if there is a requirement for health cover)

·         030 BVC Bridging visa (only if there is a requirement of visa health cover)

Allianz Care Australia OVHC policyholders can also benefit from the following medical services:

·         24-hour support. If you are in need of medical advice or assistance, referral to a doctor, access to legal advice, or access to an interpreting service while experiencing a medical or personal situation, you can get in touch with Allianz Care Australia's 24-hour OVHC helpline.

·         Cover for the whole family. You have the option of single, dual, and family policies, which allow you to cover your spouse or any dependent children traveling with you to Australia.

·         Flexible payments. You can pay for your OVHC policy fortnightly, monthly, quarterly, six-monthly or annually, the choice is all yours. If you have bought a premium cover, you can pay by automatic payments through your credit card or bank account.

·         Access to agreement hospitals and doctors. Allianz Care Australia is associated largely with private hospitals and doctors who bill Allianz Care Australia directly. Here, you can save your out-of-pocket expenses; given your gap payment is reduced or eliminated.

Policy limitations, exclusions, waiting periods and more!

Allianz Care Australia OVHC is curated for foreign residents who plan to visit or work in Australia on a temporary visa. OVHC from Allianz Care Australia will not provide any health cover for the following situations:

·         Assisted reproductive programs i.e., IVF

·         Bone marrow and organ transplants

·         Treatment provided outside of Australia

·         Treatment for pregnancy-related or pre-existing conditions in the initial 12 months of cover

·         Services and treatment covered by compensation or damages provisions

·         Elective cosmetic surgery

·         Dental, optical, physio, and other general treatments

Conclusion

You can get yourself covered for any Australian visa with Budget Policy, under which, you will get various OSHC and OVHC policies from major providers in one place. It is a one-stop solution for your health insurance in Australia. Contact us today!