Overseas Visitors Health Cover: Compare OVHC

Overseas visitors health cover is health insurance designed for people visiting Australia. It's mandatory for many visa applications including the 482,457, and 485. It offers benefits for doctor's visits, prescriptions, emergency ambulance rides and hospital treatments. Below, you can find options that meet visa condition 8501.

Compare Overseas Visitor Health Cover from $65 a month

What is Overseas Visitors Health Cover?

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

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:

• Basic

  If all you want to do is tick the box on your visa application, a basic policy is enough (these may also be called “budget” policies). It will usually cover you for the following:

  • Emergency ambulance rides
  • Medical services you receive in a hospital
  • Hospital accommodation and other hospital fees
  • Returning you to your home country if you die or have a life-altering illness
  • In-hospital prescriptions

• Mid

  This usually covers everything that basic does plus the following:

  • Visits to the family doctor (known in Australia as a general practitioner, or GP)
  • Visits to specialists like a dermatologist or a neurologist
  • Out-of-hospital prescriptions

  It’s possible to find mid-level policies that cover a limited number of out-of-hospital treatments like chiropractic and physical therapy, but not all insurers offer it.

• Top

  This usually covers everything basic and mid does but at higher levels. For example, a top policy might pay more toward your treatment, pay for you to get a private room instead of a shared one and/or give you more money to spend on out-of-hospital prescriptions.

  It’s possible to find top-level policies will cover a range of out-of-hospital treatments like chiropractic, physical therapy, dental and optical (and at higher dollar amounts than a mid-level policy), but not all will offer this.

• Other policies

  Some insurers offer other options besides basic, mid and top-level policies, and these are designed for certain groups of people who are likely to need specialised services. For example, many basic, mid and top-level policies won’t cover pregnancy, in-hospital psychiatry or weight loss surgery. However, some insurers will offer specialised policies that do offer these services.

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.

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 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 starting from $65 per month. 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 budget policies.

Even a basic policy will be enough to cover your visa requirements.

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

• I just want the basics to meet visa conditions
• I want a medium level of health cover
• I want a top level of health cover

Updated October 24th, 2019

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Name	Product	Price	Visa Compliant	Hospital cover	Dental	Pregnancy Cover	GP Visits	Medical Repatriation
Budget Workers Cover		From $65 per month	Yes	Yes	Optional	Yes	No	$10,000	From $65 per month.	Get quote More Info	Compare	loading Fetching your data...
Minimum Working Visa Cover		From $77 per month	Yes	Yes	Optional	Yes	No	$20,000	From $77 per month.	Get quote More Info	Compare	loading Fetching your data...
Budget Visitor Cover		From $73.23 per month	Yes	Yes	No	Restricted	No	Yes	From $74.97 per month.	Get quote More Info	Compare	loading Fetching your data...

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Updated October 24th, 2019

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Name	Product	Price	Visa Compliant	Hospital cover	Dental	Pregnancy Cover	GP Visits	Medical Repatriation
Essential Workers Cover		From $110 per month	Yes	Yes	Optional	Yes	Yes	$20,000	From $110 per month.	Get quote More Info	Compare	loading Fetching your data...
Basic Visitor Cover		From $129.56 per month	Yes	Yes	No	Restricted	Yes	Yes	From $140.83 per month.	Get quote More Info	Compare	loading Fetching your data...
Minimum Working Visa Cover		From $77 per month	Yes	Yes	Optional	Yes	No	$20,000	From $77 per month.	Get quote More Info	Compare	loading Fetching your data...

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Updated October 24th, 2019

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Name	Product	Price	Visa Compliant	Hospital cover	Dental	Pregnancy Cover	GP Visits	Medical Repatriation
Essential Plus Workers Cover		From $131 per month	Yes	Yes	Yes	Yes	Yes	$20,000	From $131 per month.	Get quote More Info	Compare	loading Fetching your data...

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*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 October 2019 but are subject to change in the future.

Updated October 24th, 2019

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Name	Product	Visa Compliant	Smartphone Claiming	Private Hospital	GP Visits	Pharmaceutical
Allianz Overseas Student Health Cover		Yes	Yes	Yes	Yes	$300 ($600 for families)	Get quote More Info	Compare	loading Fetching your data...

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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:

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?

• Participating health funds
• Full list of health funds

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:

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):

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.

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

• Do you need to inform your health fund if your visa status changes?

  If you are switching to another visa that also requires you to have health cover, you’ll probably need to ask your insurer for proof of cover to provide with your visa application. Otherwise, it’s not necessary to let your insurer know about your visa change unless you want to make changes to your policy, cancel your policy or switch to a new policy.

• Does extras cover satisfy the health insurance conditions of your visa?

  No, if your visa requires you to have health insurance, a standalone extras policy won’t cut it because it won’t cover in-hospital treatments. Only an OVHC policy will meet your visa requirements, although you are free to purchase a standalone extras policy on top of your OVHC for additional cover.

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