Find health cover Down Under that works for your visa, and works for you too from Australian Unity.
Getting overseas visitor health cover while in Australia is often a mandatory visa requirement for visitors to Australia as well as a good idea for protecting yourself from accident, illness or some other misadventure. Fortunately, Australian Unity has you covered.
Get your visa letter emailed to you as soon as you sign up and tick off this important box.
What does Australian Unity’s overseas visitor plan cover?
Choose a health plan that covers you for your stay in Australia. The higher level plans have higher limits and also reimburse more expenses. With only Mid or Basic cover, you may incur significant out-of-pocket expenses in the event of hospitalisation.
To see if it’s worth paying more for higher level cover, consider the following:
- Public vs private hospitals. In the event of an emergency, you might not be able to choose which hospital you end up at and may incur significant out-of-pocket expenses at a public hospital.
- Reciprocal health care agreement. If you are from a country that has an RHCA with Australia, you might be able to use mid or basic insurance at a public hospital with fewer out-of-pocket expenses.
- The limits. Higher level policies have significantly higher limits than more basic cover. Where sublimits apply to specific benefits, these sublimits are also typically higher with Top cover than the other options.
- The cover. A significantly wider variety of situations are covered with higher levels of cover.
- Pre-existing conditions. You are still able to claim medical expenses related to pre-existing conditions with Mid and Top level cover, but a waiting period applies. If you are likely to incur expenses relating to a pre-existing conditions between one and two years into your stay, it may be worth considering Top cover.
|Yearly benefit limit (singles)||$150,000||$100,000||$50,000|
|Yearly benefit limit (couples and family)||$300,000||$200,000||$100,000|
|Private hospital accommodation ($500 excess applies)||Private room||Private room||Shared room|
|Public hospital accommodation ($500 excess applies)||Private room if available||80% of cost, shared room||60% of cost, shared room|
|Hospital theatre fees||80% of cost||60% of cost|
|Doctor and specialist’s fees|
|Accident and emergency room fees|
|Emergency ambulance cover|
|Ambulance attendance fee||3 attendances per year where you are not taken to hospital (6 for couples and family)||2 attendances per year where you are not taken to hospital (4 for couples and family)||1 attendances per year where you are not taken to hospital (2 for couples and family)|
|Day surgery and procedures (private hospital)|
|Day surgery and procedures (public hospital)||80% of cost||60% of cost|
|Rehabilitation (private hospital)|
|Rehabilitation (public hospital)||80% of cost||60% of cost|
|Pre-existing conditions||12-month waiting period||24-month waiting period|
|Cataract and lens procedures|
|Hip and knee replacements|
|Pregnancy and fertility services|
How much does it cost?
You need to pay your cover in advance at all times in order to be able to make claims. An excess may also apply.
- You need to pay a $500 excess for hospital visits. You will need to pay this amount for the first hospital visit in a calendar year with singles cover or for the first two visits with couples or family cover.
- You do not need to pay an excess for any out-of-hospital treatments or procedures.
- You do not need to pay an excess for hospital visits by dependent children if you have Top cover.
Limitations, waiting periods and exclusions
In the event of a life-altering injury or terminal illness, Australian Unity reserves the right to pay up to $20,000 for medical repatriation back to your home country for further treatment, at which point your cover will be discontinued.
The amount paid for each procedure is dependent on the Medicare Benefits Schedule (MBS). Australian Unity will not pay more than the amounts specified in the MBS. If your provider charges more than this amount for a procedure, you will end up with out-of-pocket expenses.
The following are not covered by any cover level:
- Cosmetic procedures, surgery or other treatments not covered by Australia’s Medicare, such as non-essential podiatric surgery
- Psychiatric or palliative care
- Rehabilitation expenses resulting from injuries or accidents that occurred before you arrived in Australia and took out cover
- Costs relating to procedures that were required for you to obtain a visa for Australia
- Bone marrow and organ transplants, renal dialysis, gastric reduction and other obesity procedures
- In-patient hospital pharmacy for non-PBS items such as experimental drugs
- Services and treatments provided outside of Australia or arranged in advance of your arrival
- Services and treatments that you have the right to claim compensation for elsewhere
- Pregnancy and related services like sterilisation or fertility treatments
Waiting periods will apply to specific procedures. You cannot make claims for treatments received prior to the applicable waiting periods.
- 24 hours: Accidents
- 2 months: All hospital and medical treatments except pre-existing conditions
- 12 months: Pre-existing conditions with Top cover
- 24 months: Pre-existing conditions with Mid cover
How to make a claim
Depending on the treatment, there are different ways to make a claim.
- Doctor or specialist visits, medical tests and ambulances. Complete a health cover claim form and then send it to Australian Unity along with the receipts by emailing, faxing or posting it to the address on the form. If you were referred for tests or a specialist visit, ask your doctor to complete a medical authority form and include it along with the receipts.
- Hospital procedures and stays. The hospital will contact Australian Unity directly. You may be asked to pay a deposit prior to a procedure, which is refunded after the claim is processed.
For specific in-hospital treatments, you might make arrangements with surgeons or doctors directly. You can either pay up front and then claim it back later or arrange for the practitioners to contact Australian Unity directly.