Australia Travel Insurance

Secure Your Trip to Australia with the Right Travel Cover

Australia must be on your travel bucket list if you look for sandy beaches, coral reefs, the rustic outdoors, or bustling cities. Enjoy snowboarding and skiing in Australia's snowy terrains or go surfing, explore the nightlife, experience fine dining and create unforgettable travel memories. Whether you are embarking on a leisure trip or travelling for business purposes to Australia, do not overlook the need for Australia travel insurance that will financially enable you to handle any medical or non-medical exigency.

Care Health Insurance offers Explore ANZ- a travel policy 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.

Is it Mandatory to Get Travel Insurance for  Australia?

Australia travel insurance is not mandatory if you are travelling from India. 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 insurance for Australia comes in handy. Moreover, it serves as a backup plan for several other emergencies and helps ensure hassle-free travel.

Explore ANZ - Travel Insurance for Australia

Care Health Insurance offers a comprehensive travel cover for Australia under Explore ANZ- an exclusively designed policy that takes care of you while travelling either for vacation or business.

Getting Australia Travel Insurance is extremely easy. You can even buy it online without any hassle of approaching the agents. It comes with numerous benefits to help you deal with unexpected medical and non-medical expenses in an unknown nation.

Features of Buying Australia Travel Cover

Before purchasing travel insurance and leaving on vacation, it is very important to know some of its features:

• Affordable Premium: The travel policy for Australia fits your travel budget by offering an affordable premium without cutting down on other essentials.
• Automatic Trip Extension: The policy automatically extends travel cover up to 7 consecutive days during prolonged hospitalisation, natural calamity, or unfortunate demise.
• Cashless Claim Processing: Our wide network of healthcare providers helps you avail of a cashless in-patient care facility by simply calling us during emergencies.
• All-inclusive Protection: Whether you need healthcare services or assistance during a loss of checked-in baggage, we have 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.

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

Policy Details for Travelling to Australia

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

• Emergency Hospitalisation: If you find yourself in a medical emergency that requires hospitalisation, the travel insurance plan will provide you with complete cover encompassing IPD and OPD expenses.
• COVID-19 Coverage: We offer COVID-19 coverage so that you can enjoy your trip without the pandemic fear.
• Trip Delay, Cancellation, or Interruption: You will get compensation for the trip delayed, cancelled, or interrupted up to the sum insured.
• Compassionate Visit: We help you support insured family members abroad during their treatment with a reimbursement facility for flight ticket costs.
• Personal Accident: Travelling abroad can bring many uncertainties, and accidents are among them. 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?

The travel insurance for Australia from India also has exclusions. Below are the conditions/medical procedures/treatments/diseases/that are not permissible under policy coverage:

• Drug Misuse: If you find yourself in a medical emergency that requires hospitalisation, the travel insurance plan will provide you with complete cover encompassing IPD and OPD expenses.
• 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.
• 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 relating to hazardous activities like fire stunts, etc., that are otherwise not mentioned in the policy documents.
• 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 for Australia Health Travel Insurance?

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.

The travel insurance plans for Australia offered by Care Health Insurance are 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 on a week-long, 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.

How to Calculate Australia Travel Insurance Premium with Us?

You can calculate your Australia travel insurance premium cost in these five easy steps:

Step 1: Go to the official website and click on ‘Get Quote’ option. Enter your contact information, including your mobile number, name, and email address, followed by the age of all the members to be insured.

Step 2: Click ‘Next’ and select your travel destinations and travel date. Your policy period will be the same as the number of your travel days.

Step 3: Check in the toggle if the insured members are dealing with any pre-existing medical conditions.

Step 4: Choose the Sum Insured. Care Travel Health Insurance provides two sum insured options: $50k and $100k.

Step 5: Check your calculated premium and click ‘Buy Now’ to proceed.

Please note: The exact premium cost for Australian travel insurance is subject to several factors, including the number of travellers, their age, destination country/countries, trip duration, and the type of coverage selected.

Things to Keep in Mind Before Buying Australia Travel Insurance

When selecting travel insurance for Australia or any southeast Asian destination of your choice, you must ensure that the plan suits your requirements. Here are the factors to be considered:

• Nature of the Trip: Frequent fliers should go for annual plans; others should go for a single trip insurance plan.
• Trip Duration: The shorter the trip, the lower the premium based on the number of days spent in Australia.
• Medical History: If you have any serious ailment, ensure that the policy covers it.
• Check the Coverage: Look for the coverage while buying an overseas Australia travel insurance plan. The policy must offer you maximum coverage 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.

Claim Procedure

What are the Types of Visas for Australia?

If you are applying for an Australian visitor visa, you must get health insurance for the period you are visiting the country. However, citizens of some countries that have bilateral agreements with Australia, are exempted from getting health insurance as it would be covered under Medicare. The nations include the United Kingdom, the Republic of Ireland, New Zealand, Belgium, Sweden, Netherlands, Finland, Norway, Malta, and Italy.

There are various classes and subclasses for Australian Visas. The main types of Australian visas 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 study 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?

Here are the visa application process 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
• Invitation Letter

Important Things to Know about Australia

Given all of these advantages, travel insurance is an utter 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 fully proof.