If you are visiting Australia on a Visitor Visa (Subclass 600), AIA offers Overseas Visitors Health Cover (OVHC) designed to help with eligible hospital and medical costs while you are in Australia.
AIA offers OVHC options that can meet Visa Condition 8501 requirements. If Condition 8501 is attached to your visa, you must maintain adequate health insurance while you are in Australia.
Before purchasing, you can compare 600 Visitor Visa health insurance from AIA, Allianz Care, Bupa and Medibank to compare prices, hospital benefits, excesses and waiting periods.
AIA Overseas Visitors Essential Cover is one of the health insurance options available to overseas visitors in Australia.
The cover is designed to provide benefits towards eligible hospital and medical treatment in Australia, subject to the policy terms, waiting periods, exclusions and benefit limits.
For Visitor Visa 600 holders, it is important to consider not only the monthly premium but also the hospital benefits, excess, waiting periods and whether the policy is appropriate for any visa conditions that apply to you.
AIA states that its Overseas Visitors Health Cover options can meet Visa Condition 8501 requirements.
Condition 8501 requires a visa holder to maintain adequate arrangements for health insurance while in Australia. However, Condition 8501 is not automatically attached to every Visitor Visa 600.
You should check your visa grant letter or VEVO to determine whether this condition applies to you.
You can learn more about this requirement in our guide to Visa Condition 8501 and health insurance.
Depending on the AIA OVHC policy selected, benefits may be available towards eligible healthcare services in Australia, including:
The amount AIA pays and any out-of-pocket costs will depend on the treatment received and the terms of the policy.
Always review the applicable AIA policy documentation before purchasing, particularly for exclusions, waiting periods, excesses and benefit limits.
AIA Visitor Visa health insurance uses age-based pricing, meaning the premium can change depending on the age of the person purchasing the policy.
For AIA Overseas Visitors Essential Cover, our current comparison starts from approximately AUD $159.50 per month for an eligible adult in the youngest age bracket.
Premiums increase for older age groups, so the cheapest insurer for one visitor may not necessarily be the cheapest for another.
You can check AIA alongside other insurers on our 600 Visitor Visa health insurance comparison page.
Waiting periods may apply before you can claim benefits for certain treatments under AIA Overseas Visitors Health Cover.
For AIA Overseas Visitors Essential Cover, a 12-month waiting period may apply to pre-existing conditions, subject to the policy terms and assessment of whether a condition is pre-existing.
A 12-month waiting period may also apply to pregnancy and birth-related services where those services are covered under the relevant policy.
If you are transferring from another Australian health insurer, waiting periods already served may be recognised in certain circumstances.
Always check the current AIA policy documentation before purchasing cover.
AIA OVHC provides benefits towards eligible emergency ambulance services, subject to the terms and conditions of the policy.
This can be particularly important for overseas visitors because ambulance services in Australia can be expensive and are not automatically free for visitors.
The ambulance service must meet the policy requirements for benefits to be payable.
AIA Overseas Visitors Essential Cover has an applicable hospital excess.
An excess is the amount you may need to contribute towards an eligible hospital admission before the insurer pays benefits in accordance with the policy.
When comparing AIA with other insurers, consider the excess as well as the monthly premium. A lower monthly premium does not necessarily mean lower overall healthcare costs if you need hospital treatment.
AIA is one of the insurers offering Overseas Visitors Health Cover in Australia.
For Visitor Visa 600 holders, AIA may be worth considering because of its:
The most suitable policy depends on your age, visa conditions, expected length of stay, budget and healthcare requirements.
AIA is not the only health insurer available to Visitor Visa 600 holders.
Before purchasing, it can be useful to compare AIA, Allianz Care, Bupa and Medibank side by side.
Our comparison allows you to review important features such as monthly premiums, hospital cover, excess, emergency ambulance benefits, waiting periods and Visa Condition 8501 suitability.
Compare 600 Visitor Visa Health Insurance →
AIA offers Overseas Visitors Health Cover for eligible overseas visitors in Australia, including people holding Visitor Visa Subclass 600. The appropriate policy will depend on your individual circumstances and any conditions attached to your visa.
AIA states that its OVHC options can meet Visa Condition 8501 requirements. You should check the particular policy you are purchasing as well as the conditions attached to your visa.
Read our Visa Condition 8501 health insurance guide for more information.
AIA premiums can vary according to age and the cover selected. AIA Overseas Visitors Essential Cover currently starts from approximately AUD $159.50 per month for the youngest adult age bracket in our comparison.
AIA OVHC provides benefits for eligible emergency ambulance services, subject to the policy terms and conditions.
Benefits for pre-existing conditions are subject to AIA's policy rules and applicable waiting periods. A 12-month waiting period may apply to pre-existing conditions. Visitors with existing medical conditions should carefully review the policy documentation before purchasing.
No. Health insurance is not automatically mandatory for every Subclass 600 visa holder. However, some Visitor Visas may be granted subject to Condition 8501, which requires the visa holder to maintain adequate health insurance while in Australia.
Compare AIA Overseas Visitors Health Cover with Allianz Care, Bupa and Medibank before choosing your policy.
Review the price, hospital benefits, excess, waiting periods and other important features to find suitable cover for your stay in Australia.