A Guide to Health Insurance for Families Visiting Australia

 


Families who love going on adventures, spend some quality time with friends or relatives, and more usually travel a lot. Lately, it has been seen that many families have been traveling to Australia more often given the country’s beautiful scenic views and welcoming environment. Now that you are traveling far away, you must secure your and your family’s health. But, how? The Australian government has mandated all visitor visa holders in Australia to have Overseas Visitor Health Cover. It is not only for your safety but also one of the man visa requirements. OVHC’s intent is to make health facilities in Australia accessible to everyone, even those who are on visitor visas. The reason being, the Australian healthcare system is excellent in the world but expensive too. So, the health cover provides both accessibility and peace of mind.

Why Do Families Need Health Insurance in Australia?

Undoubtedly, Australia provides the best healthcare facilities, but it can be expensive for many visitor visa holders as not everyone can afford paying higher expenses. This is why OVHC exists, making medical treatments and emergency care accessible to all. Unpredictable medical expenses including hospital stays, doctor appointments, emergency ambulance services or prescription drugs can touch the sky. OVHC ensures no stress on your pocket and mind.

Key Reasons for Health Insurance in Australia

  • Financial Protection: Health insurance in Australia covers for unexpected medical expenses.
  • Visa Compliance: Australian visitor visas (subclass 600) require proof of adequate OVHC in Australia.
  • Peace of Mind: OVHC ensures peace of mind while making the health service in the country accessible.

Types of Health Insurance Plans for Visitors

1. Couples Health Insurance Plans: Couples visiting Australia on visitor visa (subclass 600) can choose a Couple OVHC that covers both individuals i.e., husband and wife under a single plan. Couple OVHC includes:
  • Hospital expenses.
  • General medical services such as doctor visits.
  • Emergency ambulance services.
  • Prescription medications.
2. Family Health Insurance Plans: Family OVHC plans offer comprehensive coverage protecting everyone's health including parents and children. Family OVHC in Australia cover:
  • Inpatient and outpatient services.
  • Emergency ambulance transportation.
  • Doctor consultations and specialist treatments.
  • Medications and diagnostic tests.
  • Coverage for dependents under 18.

Key Features to Look for in a Health Insurance Plan

When choosing Overseas Visitor Health Cover in Australia, you must look out for certain things such as: 1. Comprehensive Coverage: Make sure the plan you choose covers your health needs under your budget. Basic coverage includes hospital stays, general practitioner (GP) visits, specialist consultations, and emergency treatments such as ambulance services. 2. Affordable Premiums: Before making a final decision, make sure to compare different plans from top providers to find one that fits best within your budget without making a big difference on the coverage. 3. Family-Friendly Benefits: Look for OVHC plans that include child-specific medical benefits, for example pediatric care and immunizations, if required. After all, kids get sick very quickly. 4. Waiting Periods: Some OVHC inclusions have certain waiting periods after which, you can claim its benefits. Make sure you are aware of your waiting periods. 5. Exclusions and Limitations: Along with inclusions, you must know your exclusions and limitations as well to avoid any misunderstanding later. You can ask your provider regarding it.

Popular Health Insurance Providers in Australia for Visitors

Several reputable insurers offer tailored plans for families visiting Australia. Here are a few popular options: 1. Allianz Care Australia
Allianz Care Australia believes in prevention over cure, care over claims and making the complex simple for everyone. They are a global brand, but with the local expertise and networks needed to help international students, visitors and workers access the best care in Australia. 2. Bupa Australia Bupa is a world-renowned health and care company that offers a wide range of health insurance policies, Bupa OSHC and OVHC in addition to its aged care and retirement, dental, optical, and community wellbeing insurance covers. 3. Medibank Medibank OSHC provides private health insurance and health services to more than 3.9 million people in Australia. Medibank offers a wide range of insurance covers, including OSHC, OVHC, and many more. 4. NIB NIB Group is an international health partner that is trusted by over a million members across Australia. NIB OVHC provides improved health outcomes through round-the-clock availability of health information, consulting and services. 5. AHM AHM Health Insurance provider that has been in business for over 40 years, with more than 700,000 customers. The company is backed by MediBank, which is one of the largest insurers in Australia, and deals in all kinds of health insurance covers, including AHM OSHC & OVHC.

Conclusion

Overseas Visitor Health Cover for couples and families in Australia is equally important than other requirements. OVHC helps you cover your medical bills if it is required during your vacation or visit to Australia. For more details on OVHC in Australia and top providers, contact Budget Policy. Your go-to solution for finding the best health cover in Australia.


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