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When Uday’s (name changed for privacy) parents visited Australia for the first time in 2014 on a tourist visa, they brought a health insurance policy from a reputable Indian insurance provider. However, they quickly realized that the claim process was lengthy and complicated, leaving them uncertain about continuing with that policy.
Finding the Right Australian Health Cover
Determined to find a better solution, Uday researched and discovered an Australian insurance company offering comprehensive coverage, including ambulance services, general dental, optical, and GP visits. He opted for a Bronze Visitor + Extras Couple Cover at a monthly premium of $356. Being diligent, Uday disclosed his father’s prolonged diabetes, fulfilling the mandatory health disclosure requirement.
Emergency Strikes: The Importance of Adequate Cover
During their visit, Uday’s father unexpectedly suffered a heart attack, resulting in a total hospital bill of $32,000. After paying the hospital fees, the family submitted a claim to their Australian insurance provider. During the investigation, the company initially considered the heart condition a potential pre-existing condition linked to diabetes, which could have affected the coverage.
Uday cooperated fully, providing all previous medical records. After a thorough review, the insurance provider concluded that the pre-existing condition clause did not apply. Under the restricted clause for cardiac arrest treatment within the Bronze cover, Uday’s family received $18,000 in reimbursements — a significant financial relief during a stressful time.
Flexibility and Ongoing Benefits
Thanks to Uday’s decision to switch to an Australian insurance provider, he avoided bearing the entire medical expense alone. The flexibility of the policy also allows Uday to block the membership when his parents are out of Australia, saving him the $356 monthly premium. When his parents return, he unblocks the membership, ensuring they’re covered without hassle.
Choosing the Best Health Insurance for Visiting Family
If you live in Australia and have parents visiting frequently, selecting the right level of health cover can protect you from unexpected medical expenses. A policy tailored to your family’s needs offers peace of mind and financial security.
At Visa Home, we go beyond visa assistance — we help you navigate health insurance options for your loved ones. Through GetMyPolicy.Online, you can compare a wide range of health insurance plans from leading Australian providers, evaluating premiums, deductibles, and coverage options to make an informed decision.
Ensure your family is protected during their stay in Australia — because their health and your peace of mind are priceless.