Everyday Care Workers

Overseas Visitor Health Cover (OVHC) is health insurance for international visitors visiting or working in Australia on a temporary visa. OVHC is available for people travelling to Australia on holidays, visiting relatives, or for those who are working on a temporary basis.

If you become sick or have an accident while you are here in Australia, Allianz Care Australia OVHC will help you pay for your medical costs.

For relevant visa types subject to visa condition 8501, the Australian Government requires that you and your dependants have adequate health insurance for the entire length of you and your dependants' stay in Australia.

Your cover starts on the later of, the start date shown on your Certificate of Insurance, the date your eligible visa is granted or the date of your arrival in Australia.

Your cover ceases on the date of your departure from Australia, the date you cease to hold an eligible visa, the date we or you cancel your policy or the end date shown on your Certificate of Insurance, whichever occurs first.

Read the policy wording.

Everyday Care Workers OVHC helps cover the cost of essential medical treatment while you are in Australia.

This includes:

• Admitted hospital treatment and accommodation
• Emergency ambulance services
• Out-of-hospital GP (doctor) visits
• Medical repatriation in the event of serious illness or injury
• GP visits are covered at 100% of the Medicare Benefits Schedule (MBS) fee, while hospital treatment is covered at 100% of eligible costs.

Everyday Care Workers OVHC provides cover for medically necessary dental surgery performed in hospital.

However, it does not cover routine or general dental treatment outside of hospital, such as:

• Check-ups
• Cleanings
• Fillings

If you need cover for everyday dental services, you may want to consider a higher level of cover with more comprehensive benefits.

Overseas visitors may want to consider OVHC to help pay for medical treatment in Australia as it can be expensive and you may not be eligible for Medicare (the public health insurance system for Australian residents). OVHC is a requirement if your visa is subject to visa condition 8501. Allianz Care Australia OVHC policies, excluding Value Care, meet the requirements of adequate health insurance (visa condition 8501).

When you are away from home, it is important to know medical treatment is available and affordable if something was to happen to you.

Visas we cover

You can check what your plan covers by reviewing your policy documents or logging into Online Member Services.

This will show you:

• What services are included
• Benefit limits
• Waiting periods
• Any exclusions that apply

You can also contact our support team if you need help understanding your cover.

Dependants can generally be covered under an OVHC policy if they meet your visa requirements for eligible family members.

This typically includes:

• Your partner or spouse
• Your dependant children

Eligibility and age limits may vary, so it’s important to check your visa and policy details for specific conditions.

Everyday Care Workers OVHC focuses on essential hospital and GP services and does not cover all types of treatment.

Some services not covered include:

• Out-of-hospital specialist visits
• Out-of-hospital pathology and radiology
• Allied health services (such as physiotherapy)
• Prescription medicines outside of hospital
• Cosmetic procedures

For a Temporary Graduate visa (subclass 485), you are required to hold adequate health insurance that meets visa condition 8501.

Everyday Care Workers is designed to help meet this requirement by covering essential medical services while you are in Australia. 

Allianz Care Australia OVHC policies, excluding Value Care, meet the requirements of adequate health insurance (visa condition 8501).

Yes, if you are on a work visa in Australia, you can take out Overseas Visitor Health Cover (OVHC).

OVHC is specifically designed for international workers and visitors, helping cover the cost of medical treatment and assisting you in meeting visa health insurance requirements.

Yes. If you hold a Temporary Skill Shortage visa (subclass 482), you are required to maintain adequate health insurance for the duration of your stay.

Everyday Care Workers can help you meet this requirement and provide cover for essential healthcare services.

Allianz Care Australia OVHC policies, excluding Value Care, meet the requirements of adequate health insurance ( visa condition 8501).

Health insurance is not a mandatory requirement for the Working Holiday visa (subclass 417).

However, it is strongly recommended to have cover to help protect you from unexpected medical costs while in Australia.

You should arrange your health insurance before you arrive in Australia or as soon as your visa is granted.

Having cover in place early helps ensure you:

• Meet your visa requirements (if applicable)
• Are protected from the start of your stay