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OVHC (Overseas Visitors Health Cover)

Need health insurance for Australia? See how OVHC works and compare cover.

If you're staying in Australia, it's a good idea to get health cover.

Overseas Visitor Health Cover helps protect you from big bills if you see a doctor or need a hospital. It’s also mandatory for many visa applications including the 482,457 and 485. These options meet visa requirements (condition 8501).

Compare Overseas Visitor Health Cover from $65 a month

Details Features
Budget Workers Cover
Budget Workers Cover
  • From $65 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation (up to $10,000 benefit)
  • Options available for singles, couples and families
Get Quote More info
Basic Working Visa
Basic Working Visa
  • From $69 per month
  • Working visa compliant
  • Public hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
Get Quote More info
Budget Visitor Cover
Budget Visitor Cover
  • From $74.97 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Minimum Working Visa Cover
Minimum Working Visa Cover
  • From $77 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy (obstetrics/childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
Get Quote More info
Budget Workers Cover
Budget Workers Cover
  • From $86.55 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
Essentials Working Visa
Essentials Working Visa
  • From $92.10 per month
  • Working visa compliant
  • Public hospital (Shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover (public hospital)
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
Get Quote More info
Value Plus Visitor Cover
Value Plus Visitor Cover
  • From $106.59 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Intermediate Working Visa
Intermediate Working Visa
  • From $107.45 per month
  • Working visa compliant
  • Public & private hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($6,000 benefit)
Get Quote More info
Essential Workers Cover
Essential Workers Cover
  • From $110 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
Get Quote 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
Essential Plus Workers Cover
Essential Plus Workers Cover
  • From $131 per month
  • Working visa compliant
  • Public & private hospital
  • Includes everything Medicare covers
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
  • $300 General Dental limit
Get Quote More info
Basic Visitor Cover
Basic Visitor Cover
  • From $140.83 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
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
Comprehensive Working Visa ($500 excess)
Comprehensive Working Visa ($500 excess)
  • From $188.95 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 ($8,000 benefit)
Get Quote More info
Comprehensive Working Visa
Comprehensive Working Visa
  • From $228.00 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 ($8,000 benefit)
Get Quote More info
Mid Visitor Cover
Mid Visitor Cover
  • From $281.19 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Top Visitor Cover
Top Visitor Cover
  • From $332.52 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (included in policy)
  • Pregnancy cover (family policy only)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Overseas Visitors Health Cover
Overseas Visitors Health Cover
  • Enquire now for pricing
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
Enquire Now More info

What is Overseas Visitors Health Cover?

Overseas visitors health cover is health insurance designed for people visiting Australia - especially those who aren’t covered by Medicare and whose visas require them to have health insurance.

Beyond the visa requirements, it also offers other benefits like covering your doctor’s visits, prescriptions, emergency ambulance rides and hospital treatments. Potentially saving you hundreds, if not thousands should you ever need medical treatment.

Do you need OVHC?

If you plan on working in Australia, your visa application will require OVHC Others won’t be required to have it, but it could still be worth it.

Here is how it can help you:

  • Your visa requires health cover and you’re not eligible for Medicare. Most visitors to Australia aren’t eligible for Medicare. If you’re one of these people and your visa requires health cover, you absolutely need OVHC or your visa won’t be granted.
  • Your visa requires health cover and you are eligible for Medicare. People from some countries are eligible for Medicare because of agreements between those countries and Australia. You’re not required to have OVHC but you should consider it if you want the extra benefits of being covered privately.
  • Your visa doesn’t require it. You’re free to go without health cover if you want, but getting OVHC makes a lot of sense if you want to avoid massive medical bills if you’re ever hospitalised.

How does OVHC work?

OVHC can cover you for five different types of services depending on what level of cover you choose:

  • Hospital bills
  • Doctor’s visits
  • Out-of-hospital services like dental and physical therapy
  • Prescriptions
  • Emergency ambulance rides

Even the most basic policy will cover your hospital bills to some extent. The other services like doctor’s visits and physical therapy are useful but optional, so they are usually reserved for higher levels of cover.

Here are the different levels of cover that are usually available:

What is extras cover?

Extras is a type of insurance to cover a range of out-of-hospital treatments including:

  • General and major dental work
  • Physical rehab services like massage, physical therapy, chiropractic and acupuncture
  • Optical services including eye tests and glasses
  • Other physical devices like hearing aids and blood pressure monitors

Extras policies themselves are different products to OVHC policies, although some OVHC policies include some of the same types of cover you can find in an extras policy. If you want to be covered for any of the above treatments, you have one of two options:

  • Buy an OVHC policy that covers the treatment you need. Some mid and top-level policies will cover some extras treatments.
  • Buy a stand-alone extras policy. There’s nothing stopping you from going with a basic OVHC policy (to meet your visa requirements) and topping it up with a stand-alone extras policy. You can often save money this way, although you’ll have a lower level of hospital cover.

Can you get dental with OVHC?

Yes. Some OVHC policies provide cover for dental treatment including general dental services like cleanings and simple fillings, as well as major dental work like root canals, crowns and bridges.

Not all insurers offer it, but the ones that do usually include it in their top-level policies only. You can also get dental cover by purchasing a standalone “extras” policy on top of your OVHC. You can choose from any in the market.

Provider Policy Limit Cost Per Month Apply
Bronze Extras (100% back on one dental check per year) $350 $11.67 Go to Site
Black 50 saver (includes no gap dental check-ups) $400 $13.05 Go to Site
Classic ($250 per visit with no gap for the first visit every year) $700 $55.03 Go to Site

Quotes based on a single policy for a visitor in NSW.

How does OVHC work for pregnancy?

Most OVHC policies will cover pregnancy, but at a reduced rate compared to other covered treatments. That’s because not everyone needs pregnancy-related services and it’s generally not considered an unexpected medical need.

Insurers who cover pregnancy at a reduced rate (typically in a basic policy) will pay your hospital accommodation fees in a public hospital, but the rest will be up to you, including doctors fees, delivery fees, blood tests, ultrasounds and anesthesia.

However, some insurers do offer higher levels of private pregnancy cover that also include your choice of an obstetrician. These insurers will offer full cover for pregnancy within their mid or top-level policies.

For private pregnancy, you will have a waiting period of 12-months before you can use it. That means you will have to buy your policy well before you get pregnant.

What if my visa has changed?

If you are switching visas, there are situations where you’ll want to reconsider your health insurance options.

If you are switching from one visa that requires health cover to another one that also does, then your best bet is to just carry on with the OVHC cover that you already have. One example would be if you are on a temporary graduate visa (485) and are switching over to a temporary skill shortage visa (482).

If you are switching from a visa that requires health cover to one that doesn’t, then you are not required to keep your OVHC. However, you should strongly consider keeping it so that you’re not unprotected. An example of this would be if you are switching from a temporary skill shortage visa (482) over to a working holiday visa (417). If your situation is the reverse of this, you’ll need to take out OVHC before you can get your new visa.

If you are switching from a visa that requires OVHC to a visa that includes Medicare cover like a permanent resident visa (PR), you can keep your OVHC as long as you want but you should strongly consider switching to a domestic health insurance policy for the following reasons:

  • Tax benefits. Residents making a certain amount of money per year can be charged an additional tax unless they have private health cover. OVHC policies don’t count.
  • Immediate savings. Domestic policies can be cheaper than OVHC policies.
  • Future savings. If you are 31 or older, you need to get health insurance within 12 months of getting your PR. Otherwise, you can end up paying a penalty down the line when you do finally get private insurance. Again, OVHC doesn’t count.

What is the cheapest OVHC?

The Budget Workers Cover from Health.com.au currently offers the cheapest policy in the market at $15 per week. It only covers your in-hospital visits and doesn’t include visits to the GP or specialists, dental work (even if it is in-hospital) or natural therapies. This is common for most basic/budget policies.

Even a basic/budget policy will usually be enough as far as your visa is concerned.

Can you get Overseas Visitors Health Cover with no waiting periods?

The good news is, once you buy your health cover - it’s active straight away. However, some treatments have a waiting period.

Waiting periods are the amount of time you have to wait before you can get health insurance benefits. The times can vary based on the treatment, for example, 12 months for pregnancy or 2 months for dental.

The only way you can typically get out of your OVHC waiting periods is if you already served them with another insurer and you’re switching to a similar policy with a new insurer. If you are taking out OVHC for the first time, you’ll have to put in the wait.

Do couples and families need Overseas Visitors Health Cover?

If your visa requires you to have health insurance and the other members of your family are coming over on the same visa as you, everyone will be required to have OVHC. Most insurers offer singles, couples and family policies so that you can all be covered under the same policy.

There are a couple of situations where your family members may not be required to have OVHC:

  • They are on a different visa that doesn’t require health insurance
  • They are covered under a reciprocal health care agreement between Australia and their home country
  • They are Australian citizens or permanent residents

What is condition 8501?

You know that visa requirement we’ve been talking about? That’s requirement 8501, and it means your visa won’t be approved without health cover in place.

To meet condition 8501, your insurance must:

  • Be fully comprehensive
  • Provide cover that is equivalent or better than Medicare
  • Cover prescriptions

Most OVHC policies are designed to meet these requirements, but it never hurts to double check with your insurer, employer and/or immigration agent to make sure.

Which visas need mandatory health insurance?

Here is a list of common Australian workers visas and whether or not they require you to have private health insurance.

Visa Number Visa Name Description Health care requirement?
405 Investor Retirement For self-funded retirees without any dependants. yes
408 Temporary Activity For workers on temporary assignments like entertainers, athletes and researchers yes
417 Working Holiday For young people who want to work while travelling Australia no
400 Temporary Work (Short Stay Specialist) For workers who do highly specialised, short-term work like managers, professionals and tradespeople no
457
(replaced by the 482 in March 2018)
Temporary Work (Skilled) Allowed skilled workers to live and work for up to four years yes
482 Temporary Skill Shortage For skilled workers to live and work for up to four years in order to fill labour shortages in Australia yes
485 Temporary graduate Allows international students who have recently graduated from an Australian uni to live, work and study in Australia yes
489 Skilled Regional (Provisional) For overseas skilled workers to live and work in regional Australian locations for up to four years. yes
BVA Bridging visa For people who are switching to a new visa and waiting for the application to process. Also for people making arrangements to leave Australia. Only if the visa you are applying for requires it

Find the health cover you need

What visa are you applying for?

Select your visa type to instantly compare and apply for a relevant policy.

Visa type

Details Features
Budget Workers Cover
Budget Workers Cover
  • From $65 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation (up to $10,000 benefit)
  • Options available for singles, couples and families
Get Quote More info
Minimum Working Visa Cover
Minimum Working Visa Cover
  • From $77 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy (obstetrics/childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
Get Quote More info
Basic Working Visa
Basic Working Visa
  • From $69 per month
  • Working visa compliant
  • Public hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
Get Quote More info
Essentials Working Visa
Essentials Working Visa
  • From $92.10 per month
  • Working visa compliant
  • Public hospital (Shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover (public hospital)
  • Emergency ambulance cover
  • Medical repatriation ($4,000 benefit)
Get Quote More info
Budget Workers Cover
Budget Workers Cover
  • From $86.55 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
Value Plus Visitor Cover
Value Plus Visitor Cover
  • From $106.59 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Budget Visitor Cover
Budget Visitor Cover
  • From $74.97 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Details Features
Intermediate Working Visa
Intermediate Working Visa
  • From $107.45 per month
  • Working visa compliant
  • Public & private hospital (shared room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation ($6,000 benefit)
Get Quote More info
Essential Workers Cover
Essential Workers Cover
  • From $110 per month
  • Working visa compliant
  • Public & private hospital
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
Get Quote 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
Basic Visitor Cover
Basic Visitor Cover
  • From $140.83 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Details Features
Essential Plus Workers Cover
Essential Plus Workers Cover
  • From $131 per month
  • Working visa compliant
  • Public & private hospital
  • Includes everything Medicare covers
  • Dental & optical extras
  • Pregnancy (obstetrics childbirth services)
  • Emergency ambulance cover
  • Medical repatriation (up to $20,000 benefit)
  • GP (doctors) Visits cover
  • $300 General Dental limit
Get Quote More info
Comprehensive Working Visa
Comprehensive Working Visa
  • From $228.00 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 ($8,000 benefit)
Get Quote More info
Comprehensive Working Visa ($500 excess)
Comprehensive Working Visa ($500 excess)
  • From $188.95 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 ($8,000 benefit)
Get Quote More info
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
Overseas Visitors Health Cover
Overseas Visitors Health Cover
  • Enquire now for pricing
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (available separately)
  • Pregnancy cover
  • GP (doctors) visits cover
  • Emergency ambulance cover
Enquire Now More info
Top Visitor Cover
Top Visitor Cover
  • From $332.52 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras (included in policy)
  • Pregnancy cover (family policy only)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
Mid Visitor Cover
Mid Visitor Cover
  • From $281.19 per month
  • Working visa compliant
  • Public & private hospital (private room)
  • Dental & optical extras
  • Pregnancy cover (restricted benefit)
  • GP (doctors) visits cover
  • Emergency ambulance cover
  • Medical repatriation
Enquire Now More info
*Pricing is based on a single male planning to live and work in the State of New South Wales on a working visa who is not applying for permanent residency, is not from a country that Australia has a Reciprocal Health Care Agreement (RHCA) with and is not eligible for cover under Medicare. Prices are accurate for December 2018 but are subject to change in the future.
Details Features
nib Overseas Student Health Cover
nib Overseas Student Health Cover
  • Student visa compliant
  • Smartphone claiming available
  • Instant OSHC Confirmation Certificate
  • Private hospital accommodation
  • Out-of-hospital GP and specialist treatment
  • $300 ($600 for families) benefit for pharmaceuticals
Enquire Now More info

Take a close look at the eligibility requirements when applying for a visa, or contact the Department of Immigration and Border Protection to find out if condition 8501 applies to you

What’s not covered?

There are some conditions and treatments that OVHC won’t cover at all regardless of the insurer or policy level. Here are a few of the most common:

  • Ambulance rides that aren’t considered an emergency
  • Elective cosmetic surgery like a nose job or breast implants
  • Procedures that Medicare does not cover like podiatry
  • IVF and other assisted reproductive services
  • Services provided outside of Australia
  • Treatment arranged in advance of your arrival in Australia
  • Bone marrow and organ transplants

The exact list of excluded services varies between insurers, so take a closer look at the policy document before choosing a policy.

Which health funds offer visitors health cover in Australia?

Health fundHospital cover for overseas visitors Extras cover available or included? More info
HIF health insurance
  • Comprehensive Working Visa
  • Intermediate Working Visa
  • Essentials Working Visa
  • Basic Working Visa
  • Premium Options
  • Super Options
  • Special Options
  • Saver Options
More info
healthcomaulogo
  • Minimum Working Visa
  • Budget Workers Cover
  • Essential Workers Cover
  • Essential Plus Workers Cover
  • Not Covered
  • Not Covered
  • Not Covered
  • Basic Extras
More info
Australian Unity
  • Workers Cover Plus
  • Mid Workers Cover
  • Budget Workers Cover
  • Comprehensive Extras
  • Basic Extras
More info
HCF health insurance
  • Overseas Visitors Health Cover
  • Ultimate Extras
  • Lifestyle Plus Extras
  • Active Lifestyle Extras
  • Lifestyle Essentials
  • Basic Extras
More info
nib health insurance
  • Top Visitor Cover
  • Mid Visitor Cover
  • Basic Visitor Cover
  • Value Plus Visitor Cover
  • Budget Visitor Cover
  • Included in Top Visitor Cover
  • Included in Mid Visitor Cover
  • Included in Basic Visitor Cover
  • Included in Value Plus Visitor Cover
  • Not included in Budget Visitor Cover
More info
Health fundHospital cover for overseas visitors Extras cover available or included? More info
Allianz Global Assistance
  • Visitors Plus
  • Budget Visitors
  • Included in Visitors Plus
  • Not included in Budget Visitors
More info
Australian Unity
  • Basic Overseas Visitors Cover
  • Mid Overseas Visitors Cover
  • Top Overseas Visitors Cover
  • Comprehensive Extras
  • Basic Extras
More info
Bupa
  • Platinum Visitors Cover
  • Essential Plus Visitors Cover
  • Gold Visitors Cover
  • Essential Visitors Cover
  • Included in Platinum Visitors Cover
  • Included in Essential Plus Visitors Cover
More info
Frank Health Insurance
  • Frank Minimum Working Visa
  • No extras policies available
More info
hbf
  • Working Visa Hospital and Medical Cover
  • Working Visa Hospital Cover
  • Included in Working Visa Hospital & Medical Cover
  • Not included in Working Visa Hospital Cover
More info
HCF
  • Overseas Visitors Health Cover
  • Ultimate Extras
  • Lifestyle Plus Extras
  • Active Lifestyle Extras
  • Lifestyle Essentials
  • Basic Extras
More info
hif
  • Comprehensive Working Visa
  • Intermediate Working Visa
  • Essentials Working Visa
  • Basic Working Visa
  • Visitor Saver
  • Visitor Value
  • Premium Options
  • Super Options
  • Special Options
  • Saver Options
More info
health.com.au
  • Budget Workers Cover
  • Minimum Working Visa Cover
  • Essential Workers Cover
  • Essential Plus Workers Cover
  • Not Covered
More info
IMAN
  • Budget Visitor Cover
  • Value Plus Visitor Cover
  • Basic Visitor Health Cover
  • Mid Visitor Cover
  • Top Visitor Cover
  • Not included in Budget Visitor Cover
  • Included in Value Plus Visitor Cover
  • Included in Basic Visitor Health Cover
  • Included in Mid Visitor Cover
  • Included in Mid Visitor Cover
More info
Medibank
  • Overseas Visitor Health Insurance
  • No extras included
More info
nib
  • Top Visitor Cover
  • Mid Visitor Cover
  • Basic Visitor Cover
  • Value Plus Visitor Cover
  • Budget Visitor Cover
  • Included in Top Visitor Cover
  • Included in Mid Visitor Cover
  • Included in Basic Visitor Cover
  • Included in Value Plus Visitor Cover
  • Not included in Budget Visitor Cover
More info

Reciprocal Health Care Agreements – do you still need OVHC?

If you’re from one of 11 specific countries in the list below, you’re eligible for Medicare and won’t be required to have OVHC (although we still recommend it). That’s because your country and Australia have an agreement called a Reciprocal Health Care Agreement (RHCA).

Here are the countries that have an RHCA with Australia:

RHCA countries that don't require health insurance

Even with Medicare cover, it’s still a good idea to get Overseas Visitor Health Cover because it covers you for the following (whereas Medicare won’t):

  • Emergency ambulance rides
  • Dental work (only with some policies)
  • Medical evacuation to your home country if you need it
  • Your own private room in a private hospital (or as a private patient in a public hospital)
  • Your choice of doctor
  • Natural therapies (only on some policies)

In addition to that, if you make more than $90,000 per year and you don’t have private health insurance, you will be required to pay a tax called the Medicare Levy Surcharge. With OVHC, you can avoid that tax.

Overseas Student Health Cover (OSHC)

Most students are also required to have private health cover as a condition of their visas, so you can think of Overseas Student Health Cover as the student version of Overseas Visitors Health Cover.

In fact, the requirement is exactly the same: the health cover needs to meet condition 8501. So many OSHC policies and OVHC policies are the same product, just marketed differently.

For more information on how OSHC works and how to choose a policy, check out our comprehensive OSHC guide.

Common questions about Australia, health insurance and visas

Picture: Unsplash

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10 Responses

  1. Default Gravatar
    jayakarMarch 15, 2018

    Pl advise
    Pl advise me how can I do visitor health insurance for tourist visa (600) with short stay about 30 days?

    • finder Customer Care
      NikkiMarch 19, 2018Staff

      Hi Jayakar!

      Here is how to apply for a visitor health insurance for a tourist visa.

      You’ll need to provide a range of documents to support your application for a 600 visa. Depending on your country of origin and your visa stream, the requirements will vary. Contact your nearest immigration office outside of Australia for details on what you will need to provide in order for your visa application to be accepted. For example, if you are going on vacation then you will need to provide the following to qualify for the tourist stream:

      – A completed visa application form
      – Certified copies of the biographical pages of your passport
      – A recent passport-sized photograph
      – A certified copy of your birth certificate
      – Evidence of sufficient funds for your trip, such as bank statements
      – A copy of your travel itinerary
      – Information to show that you intend to return to your home country
      – All documents must be certified copies, and any documents not in English must be accompanied by accredited English translations.

      For more information, you may use this link.

      Hope this helps!

      Best Regards,

      Nikki

  2. Default Gravatar
    tanyaOctober 25, 2017

    parents have sub class 600 with visa condition 8501,8101& 8201. Please suggest a policy which suits the above conditions

    • finder Customer Care
      RenchOctober 25, 2017Staff

      Hi Tanya,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      You can also have a look on this page and compare your options for health insurances for parents visiting Australia.

      You may click the name of your preferred insurance to know more details and you may click the green “Go to site” button to submit an online application through their official site.

      Unfortunately, we cannot recommend a specific insurance or say what is best.

      Best regards,
      Rench

  3. Default Gravatar
    MandeepJuly 15, 2017

    I want to know which insurance company covers aged parent visa subclass 804 thanks

    • Default Gravatar
      DanielleJuly 16, 2017

      Hi Mandeep,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      You may refer to this page for options that may suit your needs. You may review and compare the offers available on the table. Once you have selected one, you may proceed by clicking the green “Get Quote” or “Enquire Now” button.

      I hope this helps.

      Cheers,
      Danielle

  4. Default Gravatar
    hosseinApril 11, 2017

    hi what is the best choose for us for insurance my subclass visa 188 we need basic cover

    • finder Customer Care
      ZubairApril 12, 2017Staff

      Hi Hossein,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      The table on the top of this page lists the name of insurers who offer cover for working visa health cover. If you would like to compare your options with help from an adviser you can do so by clicking green ‘Enquire now’ button and completing the contact form. Once you have done so, an adviser will be in touch to help you.

      All the best,
      Zubair

  5. Default Gravatar
    RobApril 10, 2017

    Looking for health insurance retirement visa subclass 410
    Female 85 years old, currently with Bupa.

    Thanks
    Rob

    • finder Customer Care
      ZubairApril 11, 2017Staff

      Hi Rob,

      Thank you for your question.

      finder.com.au is a comparison and information service and we are not permitted to provide our users with personalised financial advice or product recommendations.

      However, Bupa does provide cover for 410 visas. You will need to contact Bupa directly for further information.

      All the best,
      Zubair

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