The Chinese Consulate General in Brisbane tells about insurance in Australia. (Web Photo)
The website of the Chinese Consulate General in Brisbane released a case study on the purchase of insurance in Australia on the 24th.
The full text reads as follows:
"fortunately, I bought insurance for my parents before they came!"
Xiao Jia, who has just graduated from the University of Australia, has encountered a major event these days. In order to share this joy with his parents, but also to repay their parents' upbringing, Xiao Jia received his parents from home for a holiday on the Golden Coast a few days ago, after graduating from school, he successfully found a job with her parents in order to share the joy with their parents and to repay their parents for their upbringing. While the family was enjoying a pleasant time by the sea, Jia's father, who accidentally fell and broke his left leg, was rushed to hospital for hospital treatment. In addition to worrying about his father's injuries, the huge medical bills from the hospital also gave Jia a thrill. At this point, Xiao Jia thought of his parents in advance of the purchase of medical insurance. After communicating with the insurance company, medical expenses saved more than half, Xiao Jia's heart finally put down. Originally, when Xiao Jia parents first arrived in Australia, friends advised Xiao Jia to buy medical insurance for his parents, although Xiao Jia's parents only stayed in Australia for one month and were in good health, just in case, Xiao Jia bought insurance for his parents. Unexpectedly, the insurance played a big role in key time, saving his father a lot of hospitalization and treatment costs during his stay in Australia. I do not know, in the absence of insurance, hospital treatment costs may be as high as thousands of Australian dollars a day, little Jia can not help but sigh that the insurance of more than 100 Australian dollars is the most correct amount of money he spent in Australia!
Although Australia has a well-established health care system, non-Australian residents are not able to enjoy it, which can lead to high treatment costs in the event of a sudden illness or accident. Here, I would like to introduce to you the main types of insurance you can choose to visit Australia, and remind you to buy insurance according to your own needs in order to meet the needs of the times.
Health insurance
According to Australian regulations, overseas student health insurance (Overseas Student Health Cover, OSHC), is required for students who travel to Australia on student visas until the end of their studies.
Other temporary visa holders are free to purchase overseas visitor health insurance (Overseas Visitors Health Cover, OVHC) from private insurance companies [1]. A specific type of temporary visa requires proof of purchase of medical insurance at the time of application. It is important to note that most health insurance coverage for overseas visitors is limited to a very small amount of drug payments, and that if overseas visitors need medication in Australia (such as cancer), they may need to spend a lot of money. According to their own situation, we can choose the insurance companies to provide products for purchase.
II. Motor vehicle insurance
If you want to buy a car for your own use or rent a car in Australia, you should take out motor vehicle insurance. In Australia, motor vehicle third party liability insurance (personal injury) is compulsory insurance, motor vehicle itself loss insurance and third party liability insurance (property loss) are voluntary insurance. Information on motor vehicle insurance products can be obtained from Australian insurance companies, car rental companies and vehicle sales companies.
Of course, in addition to insurance, also remind you to follow the Australian traffic rules, speed control, avoid fatigue driving, in case accidents occur.
III. Accident insurance
If you are outside worried about other accidents, such as death or disability due to accidental injury, you can also choose to purchase accident insurance. After the accident, the insurance company will make compensation in accordance with the circumstances and the amount agreed upon in the policy.
IV. Overseas travel insurance
In addition to the main insurance categories above, visitors to Australia can also buy overseas travel insurance in advance at home. In addition to providing overseas medical insurance, this insurance also covers emergency relief, travel delays, personal property protection and high-risk sports. Tourists can choose the appropriate types of insurance and coverage according to their own circumstances to prevent accidents.
5. Major insurance companies in Australia
The main insurance companies in Australia are:
- Medibank, Web site: www.medibank.com.au
- Bupa, Web site: www.bupa.com.au
- Nib, Web site: www.nib.com.au
- ISelect, Web site: www.iselect.com.au
VI. Other considerations
When purchasing insurance, we should pay attention to the detailed process of how to settle claims after insurance, and keep the relevant supporting documents, original receipts, invoices, etc. issued by doctors, hospitals and the police when claims are settled, and make copies of the above-mentioned documents for reference. To ensure the smooth progress of claims settlement and timely receipt of insurance money.
Information on insurance in Australia can be found:
https://www.border.gov.au/Trav/Stud/More/Health-Insurance#
http://www.privatehealth.gov.au/healthinsurance/overseas/