Allianz Care 600 Visitor Visa Health Insurance

Yes. Allianz Care offers Overseas Visitor Health Cover (OVHC) for eligible Subclass 600 visitors. The appropriate product depends on your visa conditions and the level of medical cover you want.

Not every Subclass 600 visa has the same conditions. Check your visa grant letter. If condition 8501 applies, you must maintain adequate health insurance while you are in Australia.

Allianz Care states that Hospital Care Visitors and Classic Care Visitors satisfy visa condition 8501. Allianz Care's Value Care visitor product does not meet condition 8501.

Hospital Care Visitors is primarily in-hospital cover. Classic Care Visitors also includes eligible out-of-hospital benefits such as GP visits, specialists, pathology, radiology and prescription medicines, subject to policy terms and limits.

Out-of-hospital GP visits are excluded under the current Hospital Care Visitors benefits information.

The current benefits flyer lists eligible out-of-hospital GP visits at 100% of the Medicare Benefits Schedule (MBS) fee. If the provider charges more than the benefit payable, you may have an out-of-pocket cost.

The current Classic Care Visitors benefits flyer lists eligible medical specialist services outside hospital at 85% of the MBS fee, subject to waiting periods, exclusions, limitations and policy terms.

Classic Care Visitors currently includes eligible pathology and radiology at 85% of the MBS fee. These out-of-hospital services are excluded under Hospital Care Visitors.

Both products include eligible hospital benefits. The amount payable depends on the treatment, hospital arrangements, exclusions, waiting periods, excess and other policy conditions.

Both products include eligible emergency ambulance benefits. Allianz Care states that waiting periods do not apply to emergency treatment by an approved ambulance service, although waiting periods can apply to subsequent hospital or medical treatment.

Waiting periods apply. Allianz Care currently states a 2-month waiting period for pre-existing psychiatric-related medical conditions and 12 months for other pre-existing medical conditions under its visitor OVHC policies.

Allianz Care currently applies a 12-month waiting period to pregnancy-related medical services under its visitor OVHC policies. The exact benefits also depend on the product and policy terms.

Allianz Care currently advertises both Hospital Care Visitors and Classic Care Visitors with a $500 hospital excess. An excess is an amount you may need to pay toward eligible hospital treatment before the insurer pays benefits, subject to the policy wording.

Allianz Care currently states that the start date for a visitor OVHC policy must be at least 14 days from the purchase date. This can affect when you are able to claim, so check the proposed start date carefully when purchasing.

If you mainly want an eligible 8501-compliant in-hospital option, Hospital Care Visitors is the lower-cost Allianz Care option. If you also want eligible out-of-hospital benefits such as GP visits, specialists, pathology, radiology and prescription medicines, Classic Care Visitors provides broader cover. Review the current benefits flyer and policy wording before deciding.