Australian Unity Overseas Visitor Health Cover

Find health cover Down Under that works for your visa, and works for you too from Australian Unity.

Getting overseas visitor health cover while in Australia is often a mandatory visa requirement for visitors to Australia as well as a good idea for protecting yourself from accident, illness or some other misadventure. Fortunately, Australian Unity has you covered.

Get your visa letter emailed to you as soon as you sign up and tick off this important box.

Compare OVHC policies available from Australian Unity

Details Features
Workers Cover Plus
Workers Cover Plus
  • From $186.15 per month*
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
Enquire Now More info
Mid Workers Cover
Mid Workers Cover
  • From $120.85 per month*
    • Working visa compliant
    • Public & private hospital (shared room)
    • Dental & optical extras (available separately)
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
Enquire Now More info
Budget Workers Cover
Budget Workers Cover
  • From $85.70 per month*
  • Working visa compliant
  • Public hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover (public hospital)
  • Emergency ambulance cover
  • Medical repatriation ($20,000 benefit)
Enquire Now More info

What does Australian Unity’s overseas visitor plan cover?

Choose a health plan that covers you for your stay in Australia. The higher level plans have higher limits and also reimburse more expenses. With only Mid or Basic cover, you may incur significant out-of-pocket expenses in the event of hospitalisation.

To see if it’s worth paying more for higher level cover, consider the following:

  • Public vs private hospitals. In the event of an emergency, you might not be able to choose which hospital you end up at and may incur significant out-of-pocket expenses at a public hospital.
  • Reciprocal health care agreement. If you are from a country that has an RHCA with Australia, you might be able to use mid or basic insurance at a public hospital with fewer out-of-pocket expenses.
  • The limits. Higher level policies have significantly higher limits than more basic cover. Where sublimits apply to specific benefits, these sublimits are also typically higher with Top cover than the other options.
  • The cover. A significantly wider variety of situations are covered with higher levels of cover.
  • Pre-existing conditions. You are still able to claim medical expenses related to pre-existing conditions with Mid and Top level cover, but a waiting period applies. If you are likely to incur expenses relating to a pre-existing conditions between one and two years into your stay, it may be worth considering Top cover.
TopMidBasic
Yearly benefit limit (singles)$150,000$100,000$50,000
Yearly benefit limit (couples and family)$300,000$200,000$100,000
Private hospital accommodation ($500 excess applies)Private roomPrivate roomShared room
Public hospital accommodation ($500 excess applies)Private room if available80% of cost, shared room60% of cost, shared room
Hospital theatre fees
  • yes
80% of cost60% of cost
Doctor and specialist’s fees
  • yes
  • yes
  • yes
Accident and emergency room fees
  • yes
  • yes
  • yes
Emergency ambulance cover
  • yes
  • yes
  • yes
Ambulance attendance fee3 attendances per year where you are not taken to hospital (6 for couples and family)2 attendances per year where you are not taken to hospital (4 for couples and family)1 attendances per year where you are not taken to hospital (2 for couples and family)
Day surgery and procedures (private hospital)
  • yes
  • yes
  • yes
Day surgery and procedures (public hospital)
  • yes
80% of cost60% of cost
Surgical prostheses
  • yes
  • yes
  • yes
In-hospital pharmacy
  • yes
  • yes
  • yes
Out-of-hospital pharmacy
  • yes
  • yes
  • yes
Rehabilitation (private hospital)
  • yes
  • yes
  • yes
Rehabilitation (public hospital)
  • yes
80% of cost60% of cost
Pre-existing conditions12-month waiting period24-month waiting period
  • no
Cataract and lens procedures
  • yes
  • yes
  • no
Hip and knee replacements
  • yes
  • no
  • no
Pregnancy and fertility services
  • no
  • no
  • no
Organ transplants
  • no
  • no
  • no
Psychiatric
  • no
  • no
  • no

How much does it cost?

You need to pay your cover in advance at all times in order to be able to make claims. An excess may also apply.

  • You need to pay a $500 excess for hospital visits. You will need to pay this amount for the first hospital visit in a calendar year with singles cover or for the first two visits with couples or family cover.
  • You do not need to pay an excess for any out-of-hospital treatments or procedures.
  • You do not need to pay an excess for hospital visits by dependent children if you have Top cover.

Limitations, waiting periods and exclusions

In the event of a life-altering injury or terminal illness, Australian Unity reserves the right to pay up to $20,000 for medical repatriation back to your home country for further treatment, at which point your cover will be discontinued.

The amount paid for each procedure is dependent on the Medicare Benefits Schedule (MBS). Australian Unity will not pay more than the amounts specified in the MBS. If your provider charges more than this amount for a procedure, you will end up with out-of-pocket expenses.

Exclusions

The following are not covered by any cover level:

  • Cosmetic procedures, surgery or other treatments not covered by Australia’s Medicare, such as non-essential podiatric surgery
  • Psychiatric or palliative care
  • Rehabilitation expenses resulting from injuries or accidents that occurred before you arrived in Australia and took out cover
  • Costs relating to procedures that were required for you to obtain a visa for Australia
  • Bone marrow and organ transplants, renal dialysis, gastric reduction and other obesity procedures
  • In-patient hospital pharmacy for non-PBS items such as experimental drugs
  • Services and treatments provided outside of Australia or arranged in advance of your arrival
  • Services and treatments that you have the right to claim compensation for elsewhere
  • Pregnancy and related services like sterilisation or fertility treatments

Waiting periods

Waiting periods will apply to specific procedures. You cannot make claims for treatments received prior to the applicable waiting periods.

  • 24 hours: Accidents
  • 2 months: All hospital and medical treatments except pre-existing conditions
  • 12 months: Pre-existing conditions with Top cover
  • 24 months: Pre-existing conditions with Mid cover

How to make a claim

Depending on the treatment, there are different ways to make a claim.

  • Doctor or specialist visits, medical tests and ambulances. Complete a health cover claim form and then send it to Australian Unity along with the receipts by emailing, faxing or posting it to the address on the form. If you were referred for tests or a specialist visit, ask your doctor to complete a medical authority form and include it along with the receipts.
  • Hospital procedures and stays. The hospital will contact Australian Unity directly. You may be asked to pay a deposit prior to a procedure, which is refunded after the claim is processed.

For specific in-hospital treatments, you might make arrangements with surgeons or doctors directly. You can either pay up front and then claim it back later or arrange for the practitioners to contact Australian Unity directly.

Andrew Munro

Andrew writes for finder.com.au, comparing products, writing guides, sniffing out deals and looking for new ways to help people get the most out of their money.

Was this content helpful to you? No  Yes

Related Posts

Compare health insurance on finder.com.au

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.
Ask a question
feedback