AIA OVHC:
Selling Points
AIA Health Base VS Allianz Budget
1
Excess
While Allianz $500 excess cover is $2.60 cheaper than AIA OVHC, AIA OVHC offer a $750 excess product, which, if the member opts for this, will cost them $3.40 less per month.
2
Funeral Cover
AIA OVHC covers expenses towards Funeral Cover benefit (up to $10,000) while Allianz don’t.
3
CPAP Type Devices
AIA OVHC covers up to $500 benefit per member every 5 years for CPAP-type devices, while Allianz has no outpatient benefits on this level of cover.
AIA Health Standard VS Allianz Standard
Excess
AIA OVHC $500 excess cover is $2.85 cheaper than Allianz. We also offer a $750 excess product, which, if the member opts for this, will cost them $10.85 less per month.
Travel & Accommodation
AIA OVHC has a Travel and Accommodation benefit, which pays towards the members cost for having to travel to the nearest hospital if they live far away (applicable where the round trip is at least 200km within Australia), while Allianz does not.
Funeral Cover
AIA OVHC covers expenses towards Funeral Cover benefit (up to $10,000) while Allianz don’t.
Allied Health Services
AIA OVHC pays towards Allied Health Services billed with an MBS item number (excl. psychology services) while Allianz does not cover Allied services.
CPAP Type Devices
AIA OVHC covers up to $500 benefit per member every 5 years for CPAP-type devices, while Allianz has no outpatient benefits on this level of cover.
Pathology & Radiology
Allianz covers 85% of the MBS rate, while AIA OVHC covers 100%.
Outpatient Pregnancy & Outpatient Psychiatric
Allianz Standard covers these services while AIA OVHC does not. If these services are important to the member, then they would be better off opting for Allianz.