Allianz Care Australia Overseas Visitor Health Cover

Need health insurance for your visa? Allianz Care Australia offers OVHC options for less than $20 a week.

No reviews yet. Write a review

Key takeaways

  • Allianz Care Australia offers health insurance policies for foreign residents and visitors to Australia.
  • These policies range from basic hospital coverage to policies that cover visits to doctors and specialists, and vary depending on the visa and policy chosen.
  • Allianz Care Australia policies are aimed at workers on certain visas and visitors who want protection, and are suitable for people who are not eligible for free or government-subsidised health care in Australia.

Compare Allianz Care Australia options

Product AUFHI-HEL Meets condition 8501 Hospital cover Dental Pregnancy cover GP visits Medical repatriation Price
$20,000
From $66.40 per month
$20,000
From $113.85 per month
$20,000
From $183.70 per month
$20,000
From $345.10 per month
loading

This is a summary of information and benefits. For the full exclusions, limitations, waiting periods, terms and conditions please read the Policy Document which is available at https://www.allianzcare.com.au/en/policy-wording-documents.html.

What's covered by Allianz Care Australia?

The cover provided by Allianz Care Australia varies depending on the visa you have and the policy you choose:

Allianz Care Australia Workers Insurance

Here are the policies for workers on visas 482, 485 and 417 and other working visas that need to meet condition 8501. Of course, all of these policies do meet that condition:

  • Budget Working Cover. This covers 100% of the Medicare Benefits Schedule (MBS) fee for most treatments in a public or private hospital except for assisted reproductive services (Like IVF) and cosmetic surgery that is not medically necessary. It also covers certain hospital fees including:
        • Overnight and same-day hospital accommodation
        • In-hospital medications
        • Accident and emergency fees that lead to inpatient admission (public hospital only)
        • Emergency ambulance transport
        • Emergency medical repatriation cover
        • Surgically implanted prostheses
        • Rehabilitation
  • Standard Working Cover. This is a step up from Budget Working Cover, covering all the same things plus a few other treatments and services including:
        • Visits to a local doctor, known in Australia as a general practitioner, or GP.
        • Non-hospital prescriptions
        • Pathology
        • Radiology
        • Visits to other specialists
  • Mid Working Cover. Covers everything the other two policies do, plus:
        • General Dental
        • Optical
        • Physiotherapy
        • Chiropractic
        • Complementary therapies like acupuncture and remedial massage
  • Top Working Cover. This is the highest level of cover, covering you for everything all the other policies do plus:
        • Speech therapy
        • Hearing Aids
        • Podiatry
        • Psychology
        • Health management including cholesterol screening and weight management programs
What type of visas are eligible for Allianz Care Australia OVHC?

Allianz Care Australia OVHC provides coverage for the following visa subclasses:

  • 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 the visa you are applying for requires health cover)
  • 020 BVB Bridging visa (only if the visa you are applying for requires health cover)
  • 030 BVC Bridging visa (only if the visa you are applying for requires health cover)

Are there any additional benefits?

Allianz Care Australia OVHC policyholders can also benefit from:

  • 24-hour support. If you experience a medical or personal situation and you need medical advice and assistance, referral to a doctor or access to an interpreting service, you can phone Allianz Care Australia's 24-hour OVHC helpline.
  • Cover for the whole family. There are single, dual and family policies available, allowing you to cover your spouse and/or any dependent children travelling with you.
  • Flexible payments. You have the option to pay for your OVHC policy monthly, quarterly, six-monthly or annually. Premiums can be paid by automatic payments from your credit card or bank account.
  • Access to agreement hospitals and doctors. Allianz Care Australia has a large network of private hospitals and doctors who bill Allianz Care Australia directly.

Does Allianz Care Australia OVHC cover only hospital treatments?

No. Some Allianz Care Australia policies also offer benefits for extras treatments. In Australia, private health insurance can be broken down into two types of cover:

  • Hospital cover. This covers medically necessary treatments that require you to be admitted to a hospital, including day hospitals. Examples include broken bones, appendicitis, cancer treatments and pregnancy.
  • Extras cover. This is for supplementary health treatments that aren't usually conducted in a hospital. Examples include dental, optical, physiotherapy and hearing aids.

OVHC policies usually combine the two types of cover into one and depending on the policy you choose, it may or may not include some extras treatments.

Policy limitations, exclusions, waiting periods and excesses to be aware of

Allianz Care Australia OVHC is designed for foreign residents planning on visiting or working in Australia on a temporary visa. However, Allianz Care Australia also offers overseas student health cover (OSHC) for people coming to Australia to study. There are some specific situations and services for which OVHC from Allianz Care Australia will not provide any cover, such as:

  • Assisted reproductive programs (such as IVF)
  • Bone marrow and organ transplants
  • Treatment provided outside of Australia
  • Treatment for pregnancy-related or pre-existing conditions in the first 12 months of cover
  • Services and treatment which are covered by compensation or damages provisions
  • Elective cosmetic surgery
  • Dental, optical, physio and other general treatments (unless you purchase Mid Working Cover or Top Working Cover)
Read the policy document closely for a full list of exclusions that apply. You should also be aware that the following waiting periods apply:
  • 12 months for pregnancy-related treatment
  • 12 months for pre-existing conditions
  • Two months for psychiatric, rehabilitative or palliative care

Waiting periods also apply to some extras services, so check these in the policy document if you decide to include extras with your OVHC policy.

Frequently asked questions

Tim Bennett's headshot
Written by

Insurance expert

Tim Bennett is a Finder insurance & utilities expert. For over 10 years he's reported on news, politics, finance and other topics as a journalist and radio presenter. Tim's roles have included radio news reader and breakfast at the ABC, news producer for SBS and producer for Fairfax Media. Tim regularly appears as a health insurance expert on programs like Sunrise and SBS news, as well as in the Australian, The Daily Telegraph, The Courier Mail and more. See full bio

Tim's expertise
Tim has written 123 Finder guides across topics including:
  • Personal finance
  • Financial comparison
  • Health insurance
  • General insurance
  • Life insurance

More guides on Finder

Go to site
Compare 40+ health funds in under a minute
Close