AIA 600访客签证健康保险
AIA 600 Visitor Visa Health Insurance
AIA Health Overseas Visitors Essential Cover 是面向符合条件海外访客的访客医疗保险。该产品自2026年9月1日起生效的产品资料明确说明符合澳大利亚内政部 Visa Condition 8501 的 Adequate Health Insurance 要求。
AIA Health Overseas Visitors Essential Cover is visitor health insurance for eligible overseas visitors. AIA’s product information effective 1 September 2026 states that this cover meets Department of Home Affairs Visa Condition 8501 for Adequate Health Insurance.
AIA 年龄价格
AIA Age-Based Pricing
AIA Overseas Visitors Essential Cover 按购买时申请人的年龄定价。
AIA Overseas Visitors Essential Cover uses age-based pricing at the time of purchase.
| 年龄组Age Group | 每月保费Monthly Premium |
|---|---|
| 18–39 | AUD 159.50 |
| 40–59 | AUD 167.48 |
| 60–69 | AUD 176.00 |
| 70–79 | AUD 187.00 |
| 80+ | AUD 203.06 |
注意：保费根据购买时申请人的年龄而有所不同。
Note: Premiums vary depending on the applicant's age at the time of purchase.
为什么比较 AIA Health 600访客保险？
Why compare AIA Health Visitor Cover?
该产品以住院保障为主，包括符合条件的住院治疗及紧急救护车服务。院外 GP、专科医生、病理检查及放射检查不包括在本产品的院外医疗保障内。购买前应同时检查等待期、excess、已有疾病及实际报价。
This product is hospital-focused and includes eligible hospital treatment and emergency ambulance services. Out-of-hospital GP, specialist, pathology and radiology services are not included. Check waiting periods, excess, pre-existing conditions and the final quote before purchase.
符合 Condition 8501
Meets Condition 8501
AIA 的产品资料明确说明 Overseas Visitors Essential Cover 符合 Department of Home Affairs Visa Condition 8501 的 Adequate Health Insurance 要求。
AIA states that Overseas Visitors Essential Cover meets Department of Home Affairs Visa Condition 8501 for Adequate Health Insurance.
住院治疗
Hospital treatment
可为符合条件且 Medicare 认可的住院治疗、住宿、重症监护及院内医疗服务支付 benefits，具体以产品规则为准。
Benefits can be paid for eligible Medicare-recognised hospital treatment, accommodation, intensive care and inpatient medical services, subject to product rules.
紧急救护车
Emergency ambulance
产品包括符合条件的紧急救护车服务，包括医疗必要的入院运输、现场紧急治疗及符合条件的医院之间转运。
The cover includes eligible emergency ambulance services, including medically necessary transport for admission, emergency onsite treatment and eligible inter-hospital transfers.
心血管治疗
Heart and vascular system
AIA 产品表将 Heart and vascular system 列为 included hospital service。
AIA lists Heart and vascular system as an included hospital service.
院外 GP 和检查
Out-of-hospital GP and diagnostics
院外 GP、专科医生、病理和放射服务在该产品中不包括。
Out-of-hospital GP, specialist, pathology and radiology services are excluded from this cover.
医院超额额
Hospital excess
该产品提供 $500 或 $750 excess 选择。excess 按会员、每个 calendar year 适用，具体规则以产品文件为准。
The product offers $500 or $750 excess options. The excess applies per member per calendar year, subject to the product rules.
AIA 600访客保险的年龄价格
AIA visitor age-based pricing
用于本网站比较的起始月费为 AUD 159.50（18–39岁）。40–59岁为 AUD 167.48，60–69岁为 AUD 176.00，70–79岁为 AUD 187.00，80岁以上为 AUD 203.06。最终保费取决于购买时申请人的年龄及 AIA 正式报价。
The comparison starting premium is AUD 159.50 per month for ages 18–39. Ages 40–59 are AUD 167.48, ages 60–69 AUD 176.00, ages 70–79 AUD 187.00 and ages 80+ AUD 203.06. Final premiums depend on the applicant’s age at purchase and AIA’s formal quote.
等待期
Waiting periods
AIA 产品资料列出已有疾病及怀孕和生育为12个月等待期；rehabilitation、hospital psychiatric services 和 palliative care 为2个月；事故及其他符合条件的住院和医疗项目可无等待期。具体适用仍以产品文件及个人情况为准。
AIA lists a 12-month waiting period for pre-existing conditions and pregnancy/birth; two months for rehabilitation, hospital psychiatric services and palliative care; and no waiting period for accidents and other eligible hospital and medical items. Applicability remains subject to the product documents and individual circumstances.
院外医疗并不包括
Out-of-hospital medical services are excluded
该产品不包括院外 GP consultations、specialist consultations、pathology、radiology、allied health、out-of-hospital pharmaceutical benefits、outpatient pregnancy services 和 outpatient psychiatric services。
The product excludes out-of-hospital GP consultations, specialist consultations, pathology, radiology, allied health, out-of-hospital pharmaceutical benefits, outpatient pregnancy services and outpatient psychiatric services.
住院费用和 gap
Hospital costs and gaps
AIA 会根据产品规则为符合条件的住院服务支付 benefits，但医生和服务商可以收取高于相关 benefit 的费用，因此仍可能产生 out-of-pocket expenses。计划治疗前应向 AIA 和医院确认预计费用。
AIA pays benefits for eligible hospital services under the product rules, but doctors and providers can charge above the applicable benefit, so out-of-pocket expenses can still arise. Confirm expected costs with AIA and the hospital before planned treatment.
年度限额
Annual limit
AIA 产品资料说明，每位受保人在一个 calendar year 内最高可 claim AUD 1,000,000 的 annual limit，具体适用以保单规则为准。
AIA states that each covered person can claim up to an annual limit of AUD 1,000,000 per calendar year, subject to the policy rules.
购买前确认签证和产品
Confirm visa and product before purchase
即使产品符合 Condition 8501，也应查看您自己的 Visa Grant Notice，并确认购买时的产品、保险日期、家庭成员、excess 和等待期适合您的具体600签证情况。
Even though this product meets Condition 8501, check your own Visa Grant Notice and confirm the product, policy dates, family members, excess and waiting periods suit your specific Subclass 600 circumstances.
购买600访客签证健康保险前
Before buying 600 visitor visa health insurance
请查看自己的 Visa Grant Notice 是否附有 Condition 8501，并确认所选产品、保险日期、等待期、excess、已有疾病规则和保障范围适合您的情况。最终保障以 AIA 最新正式产品文件为准。
Check whether your Visa Grant Notice includes condition 8501 and confirm the product, policy dates, waiting periods, excess, pre-existing condition rules and benefits suit your circumstances. Final benefits are subject to AIA's current formal product documents.
查看您的实际 AIA 访客保险价格
Check your actual AIA visitor insurance price
最终保费取决于保险日期、家庭情况和所选保障。点击 Get Quote 查看保险公司的正式报价。
Your final premium depends on policy dates, family circumstances and cover selected. Use Get Quote to obtain the insurer's formal quote.
AIA Health 600访客保险常见问题
AIA Health 600 Visitor Insurance FAQs
AIA Overseas Visitors Essential Cover 符合8501吗？Does AIA Overseas Visitors Essential Cover meet condition 8501?
是。AIA 自2026年9月1日起生效的产品资料明确说明该产品符合 Department of Home Affairs Visa Condition 8501。
Yes. AIA’s product information effective 1 September 2026 states that the cover meets Department of Home Affairs Visa Condition 8501.
AIA 600访客保险包括医院治疗吗？Does AIA visitor cover include hospital treatment?
包括符合条件的住院 treatment、hospital accommodation、intensive care 和院内医疗服务，但具体 benefits、restricted services 和 exclusions 以产品规则为准。
It includes eligible hospital treatment, accommodation, intensive care and inpatient medical services, subject to benefits, restricted services and exclusions in the product rules.
AIA 访客保险包括 GP 吗？Does AIA visitor cover include GP visits?
该 Essential Cover 不包括院外 GP consultations。
This Essential Cover does not include out-of-hospital GP consultations.
AIA 访客保险包括病理和 X-ray 吗？Does AIA visitor cover include pathology and X-rays?
院外 pathology 和 radiology 不包括；与符合条件的住院 admission 相关的部分院内 diagnostics 可能按产品规则获得 benefits。
Out-of-hospital pathology and radiology are excluded; some in-hospital diagnostics associated with an eligible admission may receive benefits under the product rules.
AIA 访客保险的 excess 是多少？What excess options are available?
产品提供 $500 和 $750 excess 选择。
The product offers $500 and $750 excess options.
AIA 访客保险有已有疾病等待期吗？Is there a waiting period for pre-existing conditions?
有。产品资料列出已有疾病、ailments 或 illnesses 为12个月等待期。
Yes. The product information lists a 12-month waiting period for pre-existing conditions, ailments or illnesses.
AIA 访客保险价格是多少？How much is AIA visitor health insurance?
本网站显示 From AUD 159.50/month。AIA 使用年龄定价，不同年龄组保费不同，最终价格以购买时正式报价为准。
We display From AUD 159.50/month. AIA uses age-based pricing, so premiums differ by age group and the formal quote at purchase is final.
如何获得 AIA 600访客保险报价？How do I get an AIA 600 visitor quote?
点击本页 Get Quote 按钮进入 AIA 合作报价链接并查看您的实际价格。
Use the Get Quote button on this page to open the AIA partner quote link and obtain your actual price.