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.
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/policywording.
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
Who Needs Allianz Care Australia Workers Insurance?
You'll need this type of insurance if you are on any of the following 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 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)
Allianz Care Australia Visitor Insurance
Here are the policies for visitors on visas 600, 601 and 651 and others whose visas don't have any special insurance requirements. Neither of these options include cover for extras like dental or optical, but you're free to buy any extras policies on the market to supplement this cover:
Budget Visitors. This is a hospital-only policy, covering 100% of the MBS fee for most treatments plus many secondary fees like:
Overnight and same-day hospital accommodation
Doctor's fees
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
Standard Visitors. Visitors Plus is a more expensive policy option that provides a higher level of cover. It covers all the same hospital expenses as the Budget Visitors policy, but with added cover for:
Visits to a local doctor.
Non-hospital prescriptions
Pathology
Radiology
Specialist visits
Who could benefit from Allianz Care Australia Visitor Insurance?
You'll benefit from this type of insurance if you are on any of the following visas:
600 Visitor
601 Electronic Travel Authority
651 Visitor visa, eVisitor Tour
300 Prospective Marriage
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, access to legal advice 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 fortnightly, 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 and save you on out-of-pocket expenses by reducing or eliminating the gap payment. The gap is the amount non-network doctors charge above the benefit amount.
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 add Basic Extras or Top Extras to your OVHC policy)
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.
Why you can trust Finder's overseas health cover experts
We're free
Our Overseas Visitor Health Care comparisons are completely free to use. You pay the same as buying directly from the health insurer. Better still, we regularly run exclusive deals that you won't find on any other site.
We're experts
We've researched and rated hundreds of policies as part of our Finder Awards. We've published 250+ guides and our in-house experts regularly appear on Sunrise, 7News and SBS News.
We're independent
Unlike other comparison sites, we're not owned by an insurer. That means our opinions are our own and you can compare multiple OVHC and OSHC funds in Australia on the site (and find a better deal).
We're here to help
Since 2014, we've helped 350,000+ people find health insurance by explaining your options simply. We'll never ask for your number or email to see prices. We're here to help you make a decision.
Frequently asked questions
Allianz Care Australia is a provider of overseas visitor health cover (OVHC) for foreign residents and visitors to Australia. They offer a range of policies, ranging from basic hospital coverage to policies that cover visits to doctors, specialists, and complementary therapies. Allianz Care Australia's 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-subsidized health care in Australia.
Allianz Care Australia offers six OVHC policies in total, four of which are aimed at workers with certain visas that need to meet visa condition 8501, including visas 485, 417, and 482 (the old 457). The other two policies are aimed at visitors who do not have visa requirements but still want protection, such as those on visas 600, 601, and 651. The specific coverage provided by each policy varies, with options ranging from basic hospital coverage to policies that cover visits to doctors, specialists, and complementary therapies.
Overseas visitor health cover (OVHC) is a type of health insurance designed for foreign residents and visitors to Australia who are not eligible for free or government-subsidized health care. It provides coverage for medical expenses incurred during a stay in Australia, including hospitalization and visits to doctors and specialists.
OVHC is generally available to foreign residents and visitors to Australia who are not eligible for free or government-subsidized health care. This includes people on certain visas, such as working visas or visitor visas, as well as people who are in Australia temporarily for work or leisure.
The specific coverage provided by OVHC varies depending on the policy chosen, but it may include hospitalization, visits to doctors and specialists, medication, and other medical expenses. Some policies may also cover additional services such as dental, optical, and complementary therapies.
The cost of OVHC varies depending on the policy chosen and the length of coverage. Some policies may start at less than $20 per week, while others may cost several hundred dollars per month. It is important to compare different policies and coverage levels to find the option that best meets your needs and budget.
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 115 Finder guides across topics including:
Insurance can be confusing when you first arrive in Australia but only health insurance is compulsory – others can be good to have depending on your situation.
Find an adequate level of private health insurance to cover any medical costs incurred during your trip to Australia on a subclass 600 visa.
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