Ambulance Cover
Ambulance benefits are payable in
accordance with your level of cover.
NOTE: The standard
rules State Vs State don't apply IE if they reside in QLD, they do not receive State based Ambulance cover. Members can purchase ambulance subscriptions but cannot claim on the reimbursment of purchase.
To be eligible for this benefit, the account must be coded and billed as an emergency by the state or territory’s relevant ambulance authority.
Frequently asked questions
Compliance Checklist
- Every call needs to confirm “Do you or the person travelling have Condition 8501 on the visa?”
- Explain all waiting periods, exclusions and how much someone is covered up to for the included services (Yearly benefit limit). Standard Hospital Inclusion Terminology should be mentioned
- Explain the excess and emergency ambulance. The standard rules State Vs State don't apply IE if they reside in QLD, they do not receive cover. Members can purchase ambulance subscriptions but cannot claim reimbursment of the purchase.
- IF already covered, or they are switching, obtain the current policy documents and send through as an after-sale adjustment. Standard After Sale Adjustment rules
- There is no accident override feature.
- First-month payment is mandatory and not refunded if the member decides to cool off. Payments can only be made by CC by fortnight, Month, or quarter.
- If an extras policy is being sold, standard PHI rules and compliance apply. No Rebate can be applied. A separate Zoho Opportunity will need to be created to sell the extras. DO NOT use the same Opportunity ID to sell the OVC and extras policy. An after-sale adjustment will need to be sent advising AU that there is an extras policy to be attached to the OVC – Include the Membership number that was generated by the OVC Sale in the After Sale Adjustment. You will also need to confirm in the After sale Adjustment the members Name, Address, DOB and email.
What Visa types are not available to purchase OVC?
- 405 & 410 – Retirement Visas whose requirements our products don’t meet
- 570-570 – Student Visas
Policies
$0 Excess Only, does meet 8501 Condition
Cover up to $1,000,000 per person
$0 or $500 Excess options, waived for dependants, does meet 8501 Condition
Cover up to $1,000,000 per person
$0 or $500 Excess options, waived for dependants, does meet 8501 Condition
Cover up to $1,000,000 per person
$500 Excess Only, waived for dependents, doesn’t meet 8501 Condition
Cover up to $50,000 for singles or $100,000 for couples/families
$500 Excess Only, waived for dependents, doesn’t meet 8501 Condition
Cover up to $100,000 for singles or $200,000 for couples/families
$500 Excess Only, waived for dependents, doesn’t meet 8501 Condition
Cover up to $150,000 for singles or $300,000 for
couples/families
What are the waiting periods?
AU do not recognise insurers outside Australia. If the member was previously covered by an insurer outside of Australia, they will be considered as a new member and all applicable waiting periods will apply.
If the member is transferring from another registered Australian private health insurance fund, in order for the 2-month waiting period waiver to be applied, they must purchase health cover with us within 30 days of cancelling their old cover and provide a Transfer Certificate from their previous insurer.
When starting a New OVC:
If the customer purchases cover within 2 weeks of arriving in Australia, Australian Unity will waive the 2-month waiting period. If they join after 14 days, all waiting periods apply
All standard waiting periods:
- 24 hours – For accident related conditions
- 2 months – All hospital and medical treatments.
- 12 months – Pre-existing conditions for Top Visitors Cover
- 24 months – Pre-existing conditions for Mid Visitors Cover
- No cover for pre-existing conditions for Basic Visitors Cover
What is the after sale process?
A Visa Compliance Letter will
be sent out for all worker's policies, to attach to the Visa application to
confirm there is a policy in place and financial.
A welcome call will be made within 48
hours of the application being successful and a Welcome Pack with membership
cards will be sent in 10 working days.
After the application process has been completed the member will receive an activation link to guide them to their Online Member Portal and confirmation of Eligibility Requirements for Visa Type.
The member must supply photocopy of passport with name and D.O.B and with a copy of
the date of arrival stamp or airplane ticket. This should be sent to the following
address: customerservice@australianunity.com.au.
If the member can add the membership
number to the email it makes the process a lot easier. The claim form can be found on our
website at: https://www.australianunity.com.au/health-insurance/overseas-visitorcover/how-to-claim.
As you will use an external link to sell
the OVC policy, you will need to manually enter details in the Zoho Opportunity
to reflect a quote or sale.
You will need to enter the following details
What Visa types are available for OVC purchase?
All Working Visitors Covers meet the conditions
All Non-Working Visitors covers don't meet the conditions
Non-Working Visa Sub-Classes
- 444 – Special Category New Zealand Citizen
- 461 – New Zealand Citizen Family Relationship (temporary)
- 476 – Skilled – Recognized Graduate
- 489 – Skilled Regional
- 188 – Business Innovation and Investment
- 010 – Bridging Visa A – BVA
- 020 – Bridging Visa B – BVB
- 030 – Bridging Visa C – BVC
- 040 – 041 – Bridging Visa D – BVD
- 051 – Bridging Visa E – BE
- 590 – Student Guardian
- 600 – Visitor
- 601 – Electronic Travel Authority
- 651 - eVisitor
- 462 – Work & Holiday
- 407 - Training
- 408 – Temporary Activity
- 482 – Temporary Skill Shortage (TSS)
- 403 – Temporary Work (International Relations)
- 485 – Temporary Graduate
- 400 – Temporary Work (Short Stay Specialist)
- 417 – Working Holiday
Who organises the clearance certificate?
It usually takes up to 10 working days to process.