Allianz Care Australia Working Cover
- Meets condition 8501
- Receive certificate of insurance online
- 24/7 Emergency phone line
- Australia-wide cover
Allianz Care Australia Working Cover
Pricing is based on a single live in the State of New South Wales on a visa and is not from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with and is not eligible for cover under Medicare. Prices are accurate for 2020 but are subject to change.
The 417 and 462 visas are both types of working holiday visas, allowing eligible young adults to travel and work in Australia for one or two years. Both let people aged 18 to 30 live and work in Australia for 12 months. Both allow you to extend your stay for another 12 months under certain conditions, including completing 3 months of specified work during your first 12 months.
Here are the main differences between the 417 and 462 visa:
With regard to the requirements for health coverage, both visas are the same -- you'll need to have adequate health coverage for the duration of your stay. If you're not covered under a Reciprocal Health Care Agreement (RHCA), this means you'll need Overseas Visitor Health Cover (OVHC).
Under the Working Holiday Maker program, there's usually a 6 month work limitation. This means you can't work for the same employer for more than 6 months, though there are exceptions. For instance, you can work for the same employer for more than 6 months without asking permission in the following situations:
You cannot study for more than 4 months on these visa.
Getting the right insurance for working holidays can be confusing- you have a choice of either travel insurance or health insurance. Travel insurance covers you for flight cancellation, as well as coverage for travel-related emergencies and some repatriation costs, so it's a very good idea. However, Overseas Visitor Health Cover (OVHC) offers more comprehensive cover for non-travel related medical expenses.
If your home country has a Reciprocal Health Care Agreement (RHCA) with Australia, you'll have access to some services under Australia's pblic health care system, Medicare. This will generally only cover emergency medical treatment, but won't pay for ambulance, dental, funeral, optical, or any treatment that isn't immediately necessary.
If you’re applying for a 417, there’s a good chance your home country has a Reciprocal Health Care Agreement (RHCA) with Australia. If you're applying for a 462 visa, you probably won't have access to an RHCA, and will need additional coverage. Even if you do have some coverage under a RHCA, an OVHC policy will offer much more comprehensive cover.
You can simply apply online with an Australian health insurance provider that offers OVHC.
Not all OVHC is the same however. You’ll find differences in cost and cover. Like most things, there are cheap basic ones and expensive high quality ones.
Some of the things to look at while comparing policies include:
It all depends on the situation. If you’re after a working holiday, it’s safe to say you’re looking at a pretty active and busy trip, with some manual labour among it, so a policy that covers 100% is likely a good idea. This can be found even with cheap and basic policies.
OVHC policies with extras like dental cover, or visits to the doctor’s office are often considerably more expensive. If you think you’re likely to need it, have certain health issues or want the security of knowing you can go see a doctor without paying for it all out of pocket, it might be worth paying extra for a policy that offers extras.
Additional benefits are often “worst case scenario” things, like funeral expenses and medical repatriation. Repatriation cover is a good idea, and easy to find even with cheap policies.
Consider the type of cover you want, then compare options from different insurers to find value for money.
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