Get cover to suit your budget and lifestyle.
Frank Overseas Visitor Health Cover
Get your visa compliance letter in less than 10 minutes with Frank's OVHC.
We’re reader-supported and may be paid when you visit links to partner sites. We don’t compare all products in the market, but we’re working on it!
Frank Health Insurance is a not-for-profit insurer that was established in 2009 to provide simple and easy to understand private health insurance for Aussies. It now provides a policy for overseas visitors as well; that is, non-Australian citizens and residents who are coming to Australia on the 482 or 485 visa.
As part of your visa requirements, you'll need to have adequate health care in place. Frank's Overseas Visitor Health Cover (OVHC) meets those requirements and sends you your visa compliance letter as soon as you purchase a policy.
Frank working visa policies currently on offer
How does Frank's Overseas Visitor Health Cover work?
Because you're not an Australian citizen or resident – and you are not eligible for reciprocal health care – you won't be entitled to use Australia's public healthcare system, Medicare. As a result, most visas require you to have some form of health insurance to help cover the costs of your medical care in Australia.
Frank's OVHC is specifically tailored to non-Australian residents and meets Australian Department of Immigration and Border Protection requirements. It pays a benefit towards inpatient (hospital) services, meaning it will pay a percentage of your hospital bills. This includes:
- Public and private hospital fees
- Medical repatriations
- Emergency ambulance
- Private inpatient medical fees
Even if you are eligible for Medicare with reciprocal health care, having OVHC means you won't have to wait on public hospital waiting lists and you will also have the choice of your own doctor.
You can apply for Frank's OVHC online. A policy will cover you for a year and the application takes around 10 minutes to complete. In order to get your compliance letter straight away, which you need for your visa application, you'll need to make your first payment in advance.
What visas does it cover?
Frank's Minimum Working Visa policy covers visitors coming to Australia on a 482 Temporary Skill Shortage Visa or a 485 Temporary Graduate Visa. Once you purchase a policy, you will have satisfied the 8501 condition of the Australian Department of Immigration and Border Protection's working visa requirements.
What levels of cover does Frank offer?
Frank Health Insurance provides one level of Overseas Visitor Health Cover, Frank Minimum Working Visa, which provides you with basic hospital cover in Australia. You can take out this policy for one or two people. Some of the services included in this policy are:
- Public and private hospital admissions
- Emergency ambulance
- Repatriation for up to $20,000 per membership
- Funeral expenses for up to $5,000 per person
- In hospital specialist services
For a full breakdown of what's included, make sure you read the product disclosure statement (PDS).
It's worth noting that GP and extras services are not covered. However, you can get extras cover with Frank as well. Extras, sometimes called ancillary services, gives you access to medical care commonly done outside of hospital like dental, optical and physiotherapy.
What are the waiting periods?
When you purchase a policy, it doesn't mean you can claim straight away. There are usually waiting periods for specific services. For Frank's Minimum Working Visa, this includes:
- 0-day waiting period for hospital treatment as a result of an accident.
- 2 months for psychiatric, rehabilitation and palliative care (whether or not the condition is pre-existing).
- 12 months for all other pre-existing conditions.
- 12 months for pregnancy and pregnancy related services.
If you already have a policy with another health fund and are looking to move to Frank, you probably won't have to re-serve waiting periods.
How to make a claim
In most cases, the hospital will electronically bill Frank, though sometimes it is done by mail. After Frank receives the hospital account, it will pay your benefit to the hospital. There might be situations when the hospital does not do electronic billing. If this happens and the doctor gives you a bill, pay it, then fill out a claim form from Frank and email both the bill and the form to Frank. If you paid the account, Frank will reimburse you. Alternatively, it will pay the doctor directly.
Before receiving treatment, be sure to contact Frank for a quote beforehand. This ensures you know exactly how much you're covered for.
More guides on Finder
3 dental insurance deals to put a dent in your post-lockdown dentist trip
Here's how you can unlock no-waiting-period dental with ahm, Peoplecare and HIF.
Health insurance for sterilisation
Find out how to claim vasectomies and tubal ligation with Medicare or private health funds, and the things you should know before going in.
Health insurance for kidney dialysis
Dialysis treatment for Chronic Kidney Disease (CKD) is covered by Medicare and private health insurance, but which offers the best cover?
Health insurance for podiatry
Find out the steps needed to find adequate cover, and give you an assurance that you won’t have to pay the full cost of your podiatric surgery.
Cancer health insurance in Australia
Health insurance for cancer improves on what Medicare covers by giving you more control and quicker treatment.
Health insurance for sleep apnoea
Think you may have sleep apnoea? Here's what you need to know about public and private healthcare cover.
Health insurance for elective surgery
Australia has a great public healthcare system, but when it comes to elective surgery, there are good reasons to get private health insurance.
Health insurance for chronic pain
See how private health insurance can offer support if you suffer from chronic pain.
Occupational therapy and health insurance
Find out how both Medicare and private health insurance cover occupational therapy to get the assistance you need.
Coronavirus: How it’s impacting life insurance
The outbreak of covid-19 has many people wondering about their insurance options. This guide helps answer all you life insurance question during the coronavirus outbreak.
Save on your health insurance
Ask an Expert