As many of our clients do not have permanent residency in Australia, we offer insurance services for non-PR clients. We work with four insurance companies: Allianz, Bupa, Medibank, and Nib.
Allianz offers very affordable prices, with the cheapest option starting at just over $70 AUD per month. Allianz offers different levels of coverage, with and without coverage for general practitioners (GP), so you can choose the level of coverage that suits your needs. The website is available in both Chinese and English.
We also offer a 5% discount on Bupa insurance compared to their official website prices. Like the other insurers, Bupa offers different levels of coverage, with the cheapest option costing around $140 AUD per month. The prices of Medibank and Bupa are similar, with Medibank costing just over $130 AUD per month. Nib is also affordable, with prices ranging around $70 AUD per month. However, it is worth noting that Nib does not have physical stores in South Australia, so you can only contact them via email or phone.
If we compare insurers at the same price point, Allianz may be more convenient. All four insurers offer several different levels of insurance, with detailed information available on their respective websites. In terms of the price difference between Allianz’s coverage at around $70 and the other insurers’ coverage at around $140, the difference lies in the fact that Allianz’s cheaper coverage does not include coverage for general practitioners (GP). If you need to see a GP, you would have to pay for it out-of-pocket as it is not covered by the insurance. Depending on an individual’s needs, some people may choose the cheaper $70 insurance if they feel that their parents are relatively healthy and do not need to see a GP often. Even if they need to see a GP occasionally, the difference between $140 and $70 would be enough to cover the cost of the GP visit, which is why they would choose Allianz.
Some people may choose Bupa’s coverage at $140 because they perceive it to be a larger company and may feel more comfortable with the level of coverage and service it provides. Additionally, Bupa is a well-known brand in the insurance industry, which may be a factor in the decision-making process for some people. Ultimately, the decision of which insurer to choose depends on individual needs and preferences.
I have reviewed the content of the provided links and it is important for individuals to carefully review and select the insurance coverage that best suits their needs. The specific terms and conditions of coverage, including what types of illnesses or treatments are covered, and how much can be claimed, are determined by the insurance companies themselves, and they have actuaries who calculate and manage such details.
As an insurance agent, we offer the same insurance policies as the insurers’ physical stores, but at a more affordable price. If you have any questions or concerns about insurance policies, please feel free to ask me.
Once you have decided on the insurance coverage you want to purchase, you can buy it directly online without the need to go through me. After a successful purchase, the insurance company will send a certificate to your email. If you need to cancel your insurance, please contact the insurance company by email at least two days before you leave.
This is the purchasing link for Allianz