Frank Mid Workers Plus Bundle
Allianz Care Australia Overseas Standard Student Health Cover
Bupa Short Stay Visitors Cover
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:
Need OVHC to satisfy your visa requirements? Find out if Westfund Overseas Visitor Health Cover is the right choice for you.
The 8501 visa condition means you need to get health insurance for your stay.
Get cover quickly and easily for your stay in Australia.
Find out what health insurance you need for the 590 Visa and how to get cover for pre-existing conditions.
Everything you need to know about the health insurance requirements of the 408 visa and how to find the right cover.
Everything you need to know about the health insurance requirements of the 417 visa and how to find the right cover.
View a range of NIB overseas visitors health insurance policies.
If your parents are planning to visit you in Australia from another country, they will first need an appropriate visa, and secondly need health insurance while they are here. This guide explains how to do both.
If you’re an international student travelling to Australia on a student visa, you’ll need to take out Overseas Student Health Cover (OSHC).
HCF Overseas Visitor Health Cover offers hospital and optional extras cover for overseas visitors who are eligible to work in Australia but who are not covered by Medicare.
My wife and I have 410 visas and live more than halfof every year in Aus. Do we need ovhc still as we live here for most of the year. We have a home here and pay all the required taxes etc.
Hi Peter,
Yes, you need to maintain adequate health insurance while in Australia on a 410 visa, regardless of how much of the year you live there. While you are likely not eligible for Medicare, 410 visa holders are subject to visa conditions requiring them to have private health insurance that is equivalent to Medicare.
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.