Australia Travel Insurance

Secure Your Trip to Australia with the Australia Travel Insurance

Australia must be on your travel bucket list if you look for sandy beaches, coral reefs, rustic outdoors, or bustling cities as an idea of leisurely vacation. Whether you enjoy skiing, snowboarding, surfing, or visualising snowy terrains and nightlife, you can experience and explore everything and create memories in Australia. While you embark on a leisurely trip or travel for business purposes, you should not overlook the need of travel insurance for Australia that will financially enable you to handle any medical or non-medical exigency.

Care Health Insurance offers “Explore ANZ” an Australia travel insurance that provides the best protection in case of a medical or non-medical emergency. We provide these benefits as part of the policy coverage, spanning from immediate cashless hospitalisation to reimbursement for lost checked-in baggage, trip delay/cancellation, assistance in the event of passport loss, and so on.

When is Travel Insurance for Australia Helpful?

Australia is around 6.6 times more expensive than India and in such a case any unannounced and uncovered mishap during your Australian trip can be enough to derail your trip’s budget. Thus, it is important that you secure your trip with travel insurance for Australia from India. Here are a few scenarios where a travel insurance for Australia bought from Care Health Insurance be helpful:

• In covering Medical Expenses: Your trip stands a chance to be doomed if you encounter a medical emergency amidst your Australian trip. This is because cost of medical treatments in Australia is higher than that in India. Here, having medical coverage in travel insurance for Australia can rescue you from being derailed by reimbursing the costs of treatments.
• In Retrieving Lost Belongings: Losing your possessions such as checked-in baggage, or passport/visa/ important documents can be devastating not just for your trip but also for your pocket. However, you do not have to worry if you have an Australia travel insurance as a financial aid while you retrieve your lost belongings.
• During Unforeseen Trip Cancellations: A trip cancellation may not just break your daydreams but also affect your budget if you have made non-refundable bookings. Not to worry if you have travel insurance for Australia to your rescue.
• While Flying Off for Studies: Pursuing education from Australia? A student travel insurance bought from Care health insurance shall help you ensure that you pursue your education stress-free while the plan covers you for unexpected expenses.

Is it Mandatory to Get Travel Insurance for Australia?

It is not mandatory to have travel insurance for Australia if you are visiting the country as an Indian visitor. However, before you decide to travel without one, it is worth considering the pros and cons of having travel insurance. A medical emergency in a foreign land can substantially affect your budget, especially in a country like Australia where healthcare is rather expensive. Hence, during a medical emergency, travel health insurance for Australia comes in as handy. Moreover, it serves as a backup plan for several other emergencies and helps ensure hassle-free travel.

What are the Features of Care Travel Insurance For Australia?

Before purchasing Australia travel insurance and leaving on a vacation, it is very important to carefully read the policy details to avoid any last-minute surprises. Here are a few significant features of the Care travel insurance for Australia:

• Affordable Premium: The travel insurance for Australia fits your travel budget by offering an affordable premium without cutting down on essential coverage.
• Automatic Trip Extension: The Australia travel insurance automatically extends travel cover up to 7 consecutive days during situations such as prolonged hospitalisation, natural calamity, or unfortunate demise.
• Cashless Claim Processing: Our wide network of healthcare providers in Australia helps you avail of cashless in-patient care facility even across seven oceans by simply calling us during emergencies.
• All-inclusive Protection: Whether you need healthcare services, or assistance during a loss of checked-in baggage, the Australia travel insurance has your back at every step of your journey.
• Useful Add-on Benefits: The policy helps you customise and secure frequent and long-duration trips with optional covers like PED coverage, refund of visa fees, etc at a convenient premium amount.

*Please refer to the brochure for more details on product features.

Travel Insurance for Australia- Plan At a Glance

While purchasing a travel insurance plan for Australia, it is crucial that you carefully compare travel insurance from various insurance providers before making the right decision. We would also suggest you to buy travel insurance according to your needs.

Suppose you are insuring a student’s term in Australia, then buying a student travel insurance will be the best decision. Likewise, if you are insuring an aged family member, travel insurance for senior citizens shall be the insurance to go for.

Here, we have tabulated some the basic features that an ideal travel insurance for Australia from Care health insurance covers:

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Covered under Travel Insurance for Australia?

Travel insurance for Australia covers a wide range of travel concerns, from most basic to the most complicated. At Care health insurance, the plan is designed to cover your travel-specific risks as mentioned below:

• Emergency Hospitalisation: Any kind of medical emergency incurred during the trip, requiring hospitalisation or immediate medical attention shall be reimbursed under the policy.
• COVID-19 Coverage: So that you do not have to stress about the aftereffects of covid-19, the Care travel insurance for Australia from India provides a standardised covid-19 coverage.
• Trip Delay, Cancellation, or Interruption: Your travel insurance shall compensate you upto sum insured for the trip delayed, cancelled, or interrupted.
• Compassionate Visit: We help you support insured family members abroad during their treatment with a reimbursement facility for flight ticket costs.
• Personal Accident: Accidents are one of the most unprecedented mishap that may come while you travel. Thus, keeping in mind such worries, we cover Accidental Death/Permanent Total Disability, requiring urgent and immediate medical attention.
• Loss of Passport and Checked-in Baggage: Get coverage up to the sum insured for loss of checked-in baggage or delay of checked-in baggage.
• New Coverage Benefits: We have widened our horizon and offer coverage for Missed Flight Connection/Hijack Distress Allowance/Automatic Trip Extension to keep you at bay from unnecessary stress.

*Family option is only available on Single Trip Policies. Please refer to the prospectus for more details on eligibility.

What is Not Covered under Travel Insurance for Australia?

Although Australia travel insurance designed by Care Health Insurance is customisable, the travel insurance for Australia from India also has a few exclusions. Below are the conditions/medical procedures/treatments/diseases/that are not permissible under Australia travel insurance coverage:

• Drug Misuse: Any injuries, or emergency hospitalisation inflicted due to use/ misuse/ overuse of drugs shall not be indemnified in the travel insurance plan.
• Self-inflicted Injury: Any intentional self-injury, suicide attempt, or any other form of harm to self; leading to hospitalization or death shall not be covered in the travel insurance plan.
• Breach of Law: Any liability or injury expenses arising out of any breach of law or particular regulations set by the destination country.
• World War: Any medical or non-medical expenses arising out of national or international war or nuclear perils or consequences thereof.
• Hazardous Activities: Any claims arising out of hazardous activities such as fire stunts or activities that are not mentioned in the policy documents shall not be covered in the travel insurance plan.
• Dental Treatment: The policy will not cover the expenses of any planned dental treatment or surgery unless necessitated due to any acute pain.

Note: Plan features, benefits, coverage, and underwriting of claims are subject to policy terms and conditions. Please refer to the brochure, sales prospectus, and policy documents carefully.

What is the Premium of Travel Insurance For Australia?

The premium that an insured person must pay will be based on various factors, including the age of the traveller, the country they are travelling to, trip duration, and the type of coverage selected.

Australia travel insurance offered by Care Health Insurance is pretty affordable and budget-friendly. CHI's travel healthcare insurance premium for the Australia zone starts from as low as around Rs. 678* for a single traveller on a 10-day-long visit.

For instance, if you are travelling from India to Australia for 11 days, one-time visit, the approximate premium cost of your travel insurance with a sum insured $50k is calculated as below:

*The above-mentioned travel insurance premium is calculated subject to no pre-existing medical conditions of the insured members. It considers that the insured members have not been diagnosed, hospitalised, or underwent any treatment in the last 48 months. Also, the premium amount is subject to change if the insured person has already claimed any travel policy before.

Factors Affecting Premium of the Australia Travel Insurance

Several factors ranging from age of the insured member, medical history, to trip duration affects the premium of the plan. Here are a few factors to consider while buying a Australia travel insurance plan.

• Nature of the Trip: Whether you are applying for a single-trip plan or a multi-trip plan affects the overall premium of the travel insurance.
• Trip Duration: The shorter the trip, the lower the premium based on the number of days spent in Australia.
• Medical History: Coverage of any pre-existing ailment affects the policy’s premium. Although covering a pre-existing disease may result in an increased premium, it is important to cover the problem in your policy.
• Check the Coverage: Look for the coverage while buying an overseas Australia travel insurance plan. The Care travel insurance for Australia shall offer you the most comprehensive yet convenient travel insurance at an affordable premium.
• Review the Exclusions: To avoid unwanted surprises while claiming your travel cover, it is recommended to check the policy exclusions without fail.

How to File Claim Under Australia Travel Insurance Plan

What are the Types of Visas for Australia?

To enter the borders of Australia, you need to have an Australian Visa. There are various classes and subclasses for Australia Visa. The main types are:

• Visitor Visa: This type of visa is for temporary entry for tourists. People travelling on visitor or tourist visas can stay in the country for 3, 6, or 12 months.
• Student Visa: You must apply for a Student visa (subclass 500) if you plan to pursue higher education in Australia.
• Work Visa: Work Visa or Business Visitor Visa is for those travelling to Australia for business purposes, government visits, conferences, seminars, job interviews, and professional examinations.
• Citizenship by Descent: You are eligible to apply for Australian Citizenship by Descent if you were born outside Australia or one of your parents was an Australian citizen at the time of your birth.
• Spouse Visa: You can avail of various migration visas like Spouse Visa, Child Visa, Dependent Child Visa, etc.
• Resident Return Visa: With this visa, you are eligible for travelling in and out of the country as many times as you need, so long as the visa remains valid.
• Transit Visa: This visa allows you to stay in the country for a maximum of 72 hours.

How to Apply for Australia Visa?

To ensure your visa for Australia doesn’t get rejected, you should be careful while following the steps.

• Category: Choose the right visa category depending on the purpose of your visit to Australia and download the visa application form.
• Fees: Payment of visa fees can be made through credit/debit card or net banking.
• Documentation: The required documents need to be submitted online at selected destinations or the branch.
• Receive Visa: You will get updates on your visa status on a real-time basis, and on approval, receive your visa.

Important Documents Required for Australia Visa Application

To apply for an entry visa for work, business or social visits, you will need the following documents:

• Passport
• Australian Visa Form
• Paid Visa Fee
• One Identity Picture
• National Identity Card
• Police Certificate
• Family Certificates
• Evidence of Financial Means
• Health Insurance
• Authorised Recipient Form
• Evidence of Temporary Stay
• Detailed Itinerary
• Accommodation Reservations
• Employer Permission Letter

Important Things to Know about Australia

Given all of these advantages, travel insurance is a must that can financially protect you and your family while travelling. Getting a quote for your next trip and then comparing plans is the best way to find a low-cost travel insurance plan. Get yourself a comprehensive travel insurance plan at an affordable premium and make your trip to Australia an exhilarating experience.