For international students and visitors who may not be covered under Medicare, you can purchase Overseas Visitor Health Cover (OVHC) or Overseas Student Health Cover (OSHC) depending on your visa type.
If you have a valid Allianz Care Australia OSHC or OVHC policy, we’ll cover the cost of your admission and treatment in a shared ward of a public hospital subject to the coverage outlined in the policy wording. As an admitted public patient, your doctors will be nominated by the hospital. When you leave hospital, your care may be continued in a clinic or a specialist's private rooms or you may be referred to your local general practitioner. Note, if you have an Allianz Care Australia OVHC Budget Visitors policy, you will not be covered for out of hospital treatment (i.e. specialists or doctors' consultations).
If you choose to be treated in a private hospital, we’ll contribute benefits towards your admission and treatment and shared ward accommodation. You may need to pay more than what you would if you chose to be admitted to a public hospital, if there are any out of pocket costs for private hospital expenses, or if the private hospital does not have an arrangement with the Australian Health Service Alliance to charge patients according to the agreed schedule of fees. If you call us before you are admitted to a private hospital, we will be able to provide you with an estimate of what it might cost you. Please refer to the policy wording for more information.
If you visit one of our direct-billing medical providers, such as local doctors or specialists that charge Allianz Care Australia and process your claims automatically you will not have to pay anything. This happens while you are visiting the direct-billing medical provider. Direct-billing is a seamless process which means you do not have to fill out paperwork to have your claim processed.
There may or may not be an out-of-pocket fee to pay to the Doctor, depending on if they charge the MBS fee or higher. You should always check the amount you will need to pay with the doctor prior to your treatment.