Westfund Overseas Visitor Health Cover (OVHC)

Westfund visa policies currently on offer

Finder Score	Meets condition 8501	Hospital cover	Dental	Medical repatriation	Price
Promoted Finder Score 9.7 Excellent Westfund Overseas Workers Essential 500 Hospital	Finder Score 9.7 Excellent				$10,000	From $59.50 per month	Get quoteView details Compare product selection Compare	loading
Finder Score 9.4 Excellent Westfund Overseas Workers Essential Hospital	Finder Score 9.4 Excellent				$10,000	From $72.50 per month	Get quoteView details Compare product selection Compare	loading
Finder Score 9.2 Excellent Westfund Overseas Workers Standard 500 Hospital	Finder Score 9.2 Excellent				$10,000	From $98.00 per month	Get quoteView details Compare product selection Compare	loading
Finder Score 8.7 Great Westfund Overseas Workers Standard Hospital	Finder Score 8.7 Great				$10,000	From $125.00 per month	Get quoteView details Compare product selection Compare	loading
Finder Score 7.9 Great Westfund Overseas Workers Comprehensive 500 Hospital	Finder Score 7.9 Great				$20,000	From $189.00 per month	Get quoteView details Compare product selection Compare	loading
Finder Score 7.5 Great Westfund Overseas Workers Comprehensive Hospital	Finder Score 7.5 Great				$20,000	From $215.00 per month	Get quoteView details Compare product selection Compare	loading

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How we picked these

Finder Score for overseas health insurance

To make comparing overseas health insurance even easier, we developed the Finder Score. Factors like price, hospital cover, extras cover, emergency travel, and more are weighted and scaled across 50+ policies from 15+ providers to produce a score out of 10. The higher the score, the more competitive the policy.

Read the full methodology

What's covered by Westfund overseas health insurance?

Westfund offers 6 hospital only health insurance policies:

• Westfund Overseas Workers Comprehensive Hospital
• Westfund Overseas Workers Standard 500 Hospital
• Westfund Overseas Workers Essential Hospital
• Westfund Overseas Workers Standard Hospital
• Westfund Overseas Workers Comprehensive 500 Hospital
• Westfund Overseas Workers Essential 500 Hospital

All 6 policies meet the Visa condition 8501, a mandatory Australian government requirement for several temporary visas. Each policy also covers medical repatriation, allowing you to return to your home country for medical treatment.

What type of visas are eligible for Westfund OVHC?

Westfund OVHC meets the Department of Home Affairs (DHA) visa conditions 8501 requirements for the following:

• Subclass 407 – Training visa
• Subclass 408 — Temporary Activity visa
• Subclass 417 — Working Holiday visa
• Subclass 462 — Work and Holiday visa
• Subclass 482 — Temporary Skill Shortage (TSS) visa
• Subclass 485 — Temporary Graduate visa

How much is a Westfund OVHC policy?

This will depend on the level of cover you select. For more cost-conscious visitors, cover for the Westfund Overseas Workers Essential 500 Hospital policy starts from $59.50 a month, while the Westfund Overseas Workers Comprehensive Hospital policy starts from $215 a month.

Policy limitations, exclusions, waiting periods and excesses to be aware of

As Westfund provides hospital-only policies, you will only be covered for treatments you receive in hospital. This means you won't have access to any extras benefits, such as dental or optical. However, memebers can opt to take out domestic extras product with Westfund, which does cover optical and dental.

Frequently asked questions

• Who owns Westfund health insurance?

  Westfund Health Insurance is a not-for-profit, member-owned private health fund in Australia. It's 100% member-owned rather than external shareholders, meaning profits are generally reinvested into benefits, services and lower premiums for members rather than distributed to investors.

• Does Westfund offer travel insurance?

  Yes, Westfund provides travel insurance through a partnership with Allianz Global Assistance. Their travel plans can include overseas medical, hospital and other travel-related benefits, with options like comprehensive, essential and multi-trip cover.

• Is travel insurance enough for health cover overseas?

  Travel insurance can cover emergency medical costs overseas, but it's generally designed for short-term trips and specific incidents, not ongoing health care. Standard travel policies usually don't replace full health insurance or offer routine treatment and may have limits or exclusions, so you should read policy details carefully and consider extra cover if needed.

Written by

Ceyda Erem

Senior writer

Ceyda Erem is Finder’s senior writer for insurance and has almost 10 years of experience writing about personal finance. Formerly a copywriter for several business and finance clients, Ceyda has written hundreds of articles, guides, blogs and more to ensure Australians stay in the loop about how to best manage their money. She has a Bachelor of Arts, Majoring in Writing from Macquarie University. See full bio

Ceyda's expertise

Ceyda has written 77 Finder guides across topics including:

• Insurance