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Discussion Starter · #1 ·
Hi Friends,

I have been researching to find a health insurance for my 32 year old wife, my 1 year old daughter and 68 year old mother who are visiting me in Australia and planning to be around for the next 6-8 months. They are coming on a visitor (subclass 600 ) visa. Though it is not mandatory, i feel it is important and necessary to have a health insurance. Now I have done my research and found out the cost comparing various overseas visitor health insurance providers like Allianz, Iman, Australian unity, Medibank, HBF, HCF & Bupa. They vary by a huge degree. the most expensive one being Allianz and least expensive one being Australian unity.

Now my question is, cost aside, does anyone have any experience with Overseas visitor health insurance with any of these health funds and would suggest, based on the benefits they offer, a particular company to go with.

Much appreciate your suggestions. Thanks:):)
 

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I only have experience in Medibank. So I'll try to keep my bias to myself and give you more things to consider when researching.

Things to look out for.

Are they covered in a private hospital as a private patient IF something was to happen? Or is it Private patient in a public hospital.
Reason for this is, private hospitals have agreements with health insurers, the amount that is payable is set. Public however do not, they can, and will charge whatever they please to people who don't have medicare. It can become more expensive to go through the public hospitals than if you paid for private in full out of your own pocket.

Further to this, does the particular provider have affiliated hospitals in your area? No good going with a provider, only to find the nearest affiliated hospital is 200km away.

Are they covering the full MBS for outpatient services such as GP, Emergency room, specialist, xrays, blood tests etc or are they covering a % instead. Some will cover only a part % of the MBS.

What is the waiting period on outpatient? Can you get that waived through a deal?
What is the level of ambulance (state dependant of course)

What is the excess payable for inpatient stays? Are you able to pay that if someone had to go in?


Are you also looking at extras like dental, optical etc? Or just in and outpatient?
 

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Discussion Starter · #3 ·
I only have experience in Medibank. So I'll try to keep my bias to myself and give you more things to consider when researching.

Things to look out for.

Are they covered in a private hospital as a private patient IF something was to happen? Or is it Private patient in a public hospital.
Reason for this is, private hospitals have agreements with health insurers, the amount that is payable is set. Public however do not, they can, and will charge whatever they please to people who don't have medicare. It can become more expensive to go through the public hospitals than if you paid for private in full out of your own pocket.

Further to this, does the particular provider have affiliated hospitals in your area? No good going with a provider, only to find the nearest affiliated hospital is 200km away.

Are they covering the full MBS for outpatient services such as GP, Emergency room, specialist, xrays, blood tests etc or are they covering a % instead. Some will cover only a part % of the MBS.

What is the waiting period on outpatient? Can you get that waived through a deal?
What is the level of ambulance (state dependant of course)

What is the excess payable for inpatient stays? Are you able to pay that if someone had to go in?

Are you also looking at extras like dental, optical etc? Or just in and outpatient?
Those are some really valuable points to consider. Thank you my friend for your time and inputs. Much appreciate your comments. I will consider these points while choosing. I will also post my analysis so that it may help any one in the future.
 

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as mentioned you need to look at what will be covered. many of the considerations though are more for a residents insurance and not travelers insurance.
when my now wife was visiting and later when her cousin visited I used covermore. they covered everything I wanted and a few other things and the premium didn't increase much for the cover to be excess free. only did the one minor claim and no issues.
 

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We have used BUPA and found them easy to deal with. Just make sure that you are authorised to act over the insurance policy because even if you are the one paying for it, you are not authorised.
 

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Have a look at what they cover and what you need and what the $$ value is of the coverage. Also look at what they will pay out on items too as it varies.
 

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Check your credit cards - most have a travel insurance attached to them when overseas.

They vary as what they cover, but they cost nothing (extra)! some valid 1,3,6 or 12 months and from what I did see they were similar to BUPA cover for Medicare equivalent - not every doctor visa has a user payment of X$ and a lot of medications are also your cost in full.

https://www.choice.com.au/travel/mo...mpare/credit-card-and-annual-travel-insurance
 

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Hi Friends,

I have been researching to find a health insurance for my 32 year old wife, my 1 year old daughter and 68 year old mother who are visiting me in Australia and planning to be around for the next 6-8 months. They are coming on a visitor (subclass 600 ) visa. Though it is not mandatory, i feel it is important and necessary to have a health insurance. Now I have done my research and found out the cost comparing various overseas visitor health insurance providers like Allianz, Iman, Australian unity, Medibank, HBF, HCF & Bupa. They vary by a huge degree. the most expensive one being Allianz and least expensive one being Australian unity.

Now my question is, cost aside, does anyone have any experience with Overseas visitor health insurance with any of these health funds and would suggest, based on the benefits they offer, a particular company to go with.

Much appreciate your suggestions. Thanks:):)
Hi,

I have my partner and her son covered with Allianz OVHC.

Today I took her to a doctor for, a garden fork in the foot, and produced the Allianz card with no out the pocket expenses for visit and a Tetanus shot.

I would not say any insurance is cost effective, just peace of mind.

Good luck on your choice.
 
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