Allianz Overseas Student Health Cover
Bupa Short Stay Visitors Cover
Why we like it: Frank Mid Workers Plus Bundle scored the highest Finder Score of all OVHC policies on Finder, meaning it offers the best value of any policy.
It's a mid-tier policy and offers quite a bit more than the minimum requirements of the 8501 working visa condition. This includes cover for more complex hospital treatments, including child birth, as well as a range of out-of-hospital treatments like dental, optical and physio.
Why we like it: Allianz Overseas Student Health Cover is one of the most affordable options for your student visa health cover requirements. It meets all the requirements, and will keep you healthy while you finish your studies.
We picked Allianz in partocular because it's a large, trustworthy company with a global presence, and has a really big network of on-campus support services. Even if your university doesn't have on-campus support available, Allianz offers a 24/7 emergency and medical assitance helpline.
Why we like it: Bupa Short Stay Visitors Cover is one of the cheapest policies available for tourists on a 600 visa, to make sure you have adequate health cover during your trip. It's basic, affordable and will keep you healthy.
Overseas Visitor Health Cover, or OVHC, is a type of health insurance made for people in Australian on a visa. If you're visiting Australia on a working visa or tourist visa, then an OVHC policy will give you the health cover that you need to meet your visa requirements. It also will make sure you don't pay a crazy amount of money if you need treatment while you're here.
Overseas Student Health Cover, or OSHC, is a special type of policy specifically made for students. If you're on a student visa then you'll need OSHC, except in a few very specifc circumstances. Your school or university might have an agreement with a particular insurer to make it easier, but you can also buy your own policy.
Anyone in Australia on a working, tourist or student visa will need 'adequate health insurance' for the duration of their trip. This is generally detailed in the 8501 visa condition. For most folks, that will mean OVHC or OSHC.
There are only a couple of exceptions to this rule:
The 461 visa is make for relatives of New Zealanders living in Australia. While kiwis have access to Medicare, 461 visa holders don't, and will need to take out health insurance (OVHC).
The 8501 visa condition means you need to get health insurance for your stay.
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My wife and I currently have an astonishingly expensive OVHC policy to support our Subclass 870 visas. However, we are from United Kingdom, which has a reciprocal arrangement with Australia, and also have Reciprocal Arrangement Medicare cards.
Do we still need this expensive OVHC medical insurance?
Hi Bernie,
If you’re in Australia on the 870 Sponsored Parent visa, you’ll need Overseas Visitor Health Cover (OVHC) while you stay to satisfy the 8501 visa condition, while also ensuring you’re able to pay any medical costs while in Australia.