What factors affect the cost of OVHC for a 601 visa?

The cost of your Overseas Visitor Health Cover can vary based on several factors. These include the level of cover you choose such as basic or comprehensive, the duration of your stay in Australia, your age and whether you opt to include additional benefits like dental, optical and physiotherapy. A policy covering a family will also be more expensive than one for a single individual.

Does OVHC for a 601 visa cover pre-existing medical conditions?

Cover for pre-existing medical conditions under OVHC policies typically varies. Many policies impose waiting periods before you can claim benefits for such conditions. Some policies may also have specific exclusions or limitations. It is crucial to carefully review the Product Disclosure Statement PDS of any policy to understand its terms regarding pre-existing conditions.

What is not typically covered by OVHC policies?

While OVHC provides essential cover for unexpected medical costs, it generally does not cover elective cosmetic procedures, fertility treatments such as IVF, routine dental or optical services (unless you have purchased an extras cover option) and treatments for medical conditions where you travelled to Australia specifically for that treatment. OVHC may also not cover the full amount of doctor fees if they charge more than the Medicare Benefits Schedule MBS fee leaving you with an out-of-pocket expense.

How long do I need to hold OVHC for my 601 visa?

You are required to hold adequate health insurance for the entire duration of your stay in Australia. This is a condition of your 601 visa. Even if your visa allows for multiple entries or stays of up to three months each your OVHC must be continuous for the full period you are in Australia.

What happens if I do not maintain adequate health insurance on my 601 visa?

Failing to maintain adequate health insurance while on a 601 visa is a breach of your visa condition 8501. This can lead to serious consequences including the potential cancellation of your visa and removal from Australia. You would also be personally liable for all medical and hospital costs incurred during your stay which can be substantial.

Can I use travel insurance instead of OVHC for my 601 visa?

No, travel insurance is generally not accepted as adequate health insurance for the 601 visa. The Department of Home Affairs specifically requires Overseas Visitor Health Cover OVHC to meet the 8501 visa condition. OVHC policies are designed to comply with Australian visa health insurance requirements, whereas standard travel insurance policies usually do not.

When should I purchase OVHC for my 601 visa?

You should purchase your Overseas Visitor Health Cover before you arrive in Australia. Your cover must commence on or before your arrival date to ensure you meet the visa condition 8501 from the moment you enter the country. It's a good idea to arrange your OVHC well in advance of your travel.

Can I include family members on my 601 visa OVHC policy?

Yes you can usually include family members on your Overseas Visitor Health Cover policy. Most health funds offer single family and multi-person policies. All family members who are travelling with you on a 601 visa must be covered by adequate health insurance for the duration of their stay.

What is the 8501 visa condition?

The 8501 visa condition is a mandatory requirement for certain Australian visas including the 601 Electronic Travel Authority visa. It says that the visa holder must obtain and maintain adequate health insurance for the entire period of their stay in Australia. This condition ensures that visitors can cover any unexpected medical or hospital costs during their visit.