What travel insurance you need for Australia as a tourist depends on visa type and what you want covered, but at minimum you need Overseas Visitor Health Cover OVHC for medical and hospital, plus comprehensive travel insurance for cancellation, baggage and liability. For tourist visa subclass 600, Department of Home Affairs recommends adequate health insurance for entire stay, because Australia has no free healthcare for tourists except limited Reciprocal Health Care Agreement for 11 countries. Recommended travel insurance for Australia should include unlimited or at least $1M medical and hospital cover, $1M emergency medical evacuation and repatriation, $5,000 to $10,000 trip cancellation cover, $5,000 baggage cover, $1M personal liability, and 24/7 emergency assistance, including COVID-19 cover. Providers like Cover-More, Allianz, World Nomads, Southern Cross Travel Insurance and 1Cover offer policies for inbound visitors from $50 to $150 per month depending on age and cover. If you are from UK, NZ, Ireland, Sweden, Netherlands, Finland, Norway, Belgium, Malta, Slovenia and Italy, you get limited Medicare under RHCA for medically necessary treatment, but RHCA does not cover ambulance, private hospital, dental, optical or repatriation, so OVHC is still recommended. For working holiday visa subclass 417 and 462, OVHC is mandatory. For student visa subclass 500, Overseas Student Health Cover OSHC is mandatory from Bupa, Allianz, Medibank, nib or AHM. Always buy before arrival and carry certificate for border and hospital.
1 votes
Marked as accepted