Allianz Care 485签证健康保险
Allianz Care 485 Visa Health Insurance
Allianz Care 为485临时毕业生签证提供 Overseas Visitor Health Cover（OVHC）选择。其 Working Cover 从以住院为主的基础保障到包含 GP、专科医生、处方药及 Extras 的更高等级产品，适合不同预算和医疗需求。
Allianz Care offers Overseas Visitor Health Cover (OVHC) options for the 485 Temporary Graduate visa, ranging from hospital-focused cover to higher levels with GP, specialists, prescription medicines and Extras.
为什么比较 Allianz Care 485保险？
Why compare Allianz Care 485 cover?
Allianz Care 当前说明其 Working OVHC（Value Care 除外）可满足签证条件8501的 adequate health insurance 要求。485页面列有 Hospital Care Workers、Everyday Care Workers、Classic Care Workers 和 Premium Care Workers 等不同等级。选择时应特别比较是否包含院外 GP、专科医生、病理、放射、处方药和 Extras，而不应只比较月费。
Allianz Care currently states that its Working OVHC products, excluding Value Care, meet adequate-health-insurance requirements for visa condition 8501. Its 485 range includes Hospital Care, Everyday Care, Classic Care and Premium Care Workers, with materially different outpatient and Extras benefits.
8501签证要求
Visa condition 8501
符合条件的 Allianz Care Working OVHC 可用于满足485签证 adequate health insurance 要求。
Eligible Allianz Care Working OVHC can meet adequate-health-insurance requirements for a 485 visa.
多种保障等级
Multiple cover levels
可从住院型保障升级到包括 GP、专科医生、处方药及 Extras 的产品。
Options range from hospital-focused cover to plans with GP, specialists, medicines and Extras.
医生医疗网络
Doctor network
Allianz Care 提供 Find a Doctor 工具，可查找附近可 direct bill 的医疗服务商。
Allianz Care offers a Find a Doctor tool to locate nearby providers that can direct bill.
24/7紧急协助
24/7 emergency assistance
会员可使用 Allianz Care 的24/7紧急和协助电话服务。
Members have access to Allianz Care’s 24/7 emergency and assistance phone service.
单人及家庭保险
Single & family cover
可根据资格选择 Single、Dual Family 或 Multi-family 类型。
Eligible members can choose Single, Dual Family or Multi-family policy structures.
保险证明
Visa certificate
在线购买后可收到 Certificate of Insurance，用于相关签证保险证明。
A Certificate of Insurance can be issued after online purchase for relevant visa evidence.
从 OSHC 转到485 OVHC
Moving from OSHC to 485 OVHC
完成学业并准备485签证时，不应假设学生 OSHC 是长期适合的毕业生保险。Allianz Care 明确提供从 OSHC 转到 Working OVHC 的路径。安排新保单时，应协调 OSHC 结束日期与 OVHC 开始日期，避免不必要的保障空档。
When moving from study to a 485 visa, do not assume student OSHC remains the appropriate long-term graduate cover. Allianz Care specifically provides a pathway from OSHC to Working OVHC. Coordinate OSHC end and OVHC start dates to avoid an unnecessary gap.
Hospital、Everyday、Classic 和 Premium 有什么区别？
Hospital, Everyday, Classic and Premium
Hospital Care Workers 主要面向希望满足签证要求并获得住院保障的人；Everyday Care 增加当地 GP consultations；Classic Care 进一步加入院外 GP、专科医生和处方药等保障；Premium Care 则增加 general dental、optical、physiotherapy 等 Extras。具体 exclusions、waiting periods 和 excess 应查看最新 Policy Wording。
Hospital Care focuses on hospital cover and visa compliance; Everyday Care adds local GP consultations; Classic Care adds broader outpatient benefits including specialists and prescription medicines; Premium Care adds Extras such as general dental, optical and physiotherapy. Check current Policy Wording for exclusions, waits and excesses.
为什么不能只选最便宜的？
Why cheapest is not always best
如果您经常需要 GP、专科医生、检查或处方药，只有住院保障的产品可能导致更多日常自付费用。例如 Allianz Care 当前 Everyday Care 页面明确说明院外 specialist、pathology、radiology 和 prescribed medicine 不在该产品保障内。
If you expect regular GP, specialist, diagnostic or prescription costs, hospital-focused cover can leave more everyday expenses to you. Allianz Care currently notes that Everyday Care does not include out-of-hospital specialists, pathology, radiology or prescribed medicines.
住院 excess 和自付费用
Hospital excess and out-of-pocket costs
部分 Allianz Care Working Cover 可选择或包含 hospital excess。即使治疗属于保障范围，医生收费高于保险 benefit、等待期、限额或 exclusion 仍可能产生自付费用。计划治疗前应先确认。
Some Allianz Care Working Cover options include or offer a hospital excess. Even for covered treatment, provider fees above the benefit, waiting periods, limits or exclusions can create out-of-pocket costs. Check before planned treatment.
家属如何投保？
Covering dependants
Allianz Care 说明 Single policy 只保障主签证持有人；Dual Family 可包括配偶/伴侣或一个或多个符合条件的孩子；Multi-family 可包括主申请人、配偶/伴侣及符合条件的孩子。副申请人的具体投保安排应按签证及保单规则确认。
Allianz Care describes Single cover for the primary visa holder, Dual Family for a partner or eligible children, and Multi-family for the primary holder, partner and eligible children. Confirm arrangements for secondary applicants against visa and policy rules.
购买485签证健康保险前
Before buying 485 visa health insurance
请确认具体产品适合您的485签证情况，并比较 condition 8501、hospital excess、院外 GP/专科医生、检查、药品、waiting periods、家庭保险类型及 exclusions。最终保障以保险公司最新正式产品文件为准。
Confirm the specific product suits your 485 visa circumstances and compare condition 8501 compliance, hospital excess, outpatient GP/specialists, diagnostics, medicines, waiting periods, family structure and exclusions. Final benefits are subject to current insurer documents.
查看您的实际485保险价格
Check your actual 485 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.
Allianz Care 485签证健康保险常见问题
Allianz Care 485 Visa Health Insurance FAQs
Allianz Care 485保险满足8501吗？Does Allianz Care 485 cover meet condition 8501?
Allianz Care 当前说明其 OVHC 产品除 Value Care 外可满足 adequate health insurance（condition 8501）要求。购买时仍应确认您选择的具体产品。
Allianz Care currently states that its OVHC products, excluding Value Care, meet adequate-health-insurance requirements for condition 8501. Confirm the specific product you choose.
485签证应该从 OSHC 转到 OVHC 吗？Should I switch from OSHC to OVHC for a 485 visa?
485毕业生通常需要适合其新签证情况的 Working OVHC。应协调旧 OSHC 和新 OVHC 日期，避免保障空档。
485 graduates generally need Working OVHC appropriate to their new visa circumstances. Coordinate old OSHC and new OVHC dates to avoid a gap.
Allianz Care 485最基础产品包括 GP 吗？Does the basic Allianz Care 485 cover include GP visits?
不同等级差别很大。Hospital Care Workers 以住院保障为主；需要 GP 时应比较 Everyday、Classic 或更高等级产品的当前 benefits。
Benefits vary significantly by level. Hospital Care Workers is hospital-focused; if you need GP benefits, compare the current benefits under Everyday, Classic or higher cover.
Allianz Care 485保险包括专科医生和药品吗？Does Allianz Care 485 cover specialists and medicines?
Classic Care 当前包括院外 GP、specialists 和 prescription medicines 等保障；较低等级产品并不一定包括这些项目。
Classic Care currently includes outpatient GP, specialists and prescription medicines, while lower cover levels do not necessarily include these services.
Allianz Care 485保险有牙科和眼科吗？Does Allianz Care 485 cover dental and optical?
Premium Care Workers 当前包括一系列 Extras，如 general dental、optical 和 physiotherapy。较低等级 Working Cover 不应被假定包含这些 Extras。
Premium Care Workers currently includes Extras such as general dental, optical and physiotherapy. Do not assume lower Working Cover levels include these Extras.
可以给配偶和孩子一起买保险吗？Can I cover my partner and children?
可以根据资格选择 Dual Family 或 Multi-family 等家庭结构。应确认所有485申请家庭成员的保险安排。
Eligible members can use Dual Family or Multi-family structures. Confirm cover arrangements for all family members included in the 485 application.
如何获得 Allianz Care 485报价？How do I get an Allianz Care 485 quote?
点击本页 Get Quote 按钮进入我们配置的 Allianz Care 合作报价链接，最终价格以保险公司报价为准。
Use the Get Quote button on this page to open the configured Allianz Care partner quote link. Final pricing is determined by the insurer.
购买前还应检查什么？What else should I check before buying?
检查 hospital excess、院外 GP/专科医生、检查、药品、waiting periods、exclusions、家庭类型及保单开始日期。
Check hospital excess, outpatient GP/specialist benefits, diagnostics, medicines, waiting periods, exclusions, family type and policy start date.