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nib Overseas Visitor Health Cover (OVHC)

Many overseas visitor and student visas for Australia will require you to have a form of health insurance, often referred to as overseas visitor health cover (OVHC) or overseas student health cover (OSHC). nib is one of many Australian health insurance providers that offers this type of cover.

nib is one of Australia’s most prominent health insurance providers, covering more than one million customers in Australia and New Zealand. It is known for flexible policies that offer a range of options and cover levels, and brings the same benefits to its OVHC

Comparison of overseas visitors health cover from nib

Updated October 17th, 2019
Name Product Price Visa Compliant Hospital cover Dental Pregnancy Cover GP Visits Medical Repatriation
From $73.23 per month
  • Yes
  • Yes
  • No
Restricted
  • No
  • Yes
From $74.97 per month.
From $129.56 per month
  • Yes
  • Yes
  • No
Restricted
  • Yes
  • Yes
From $140.83 per month.

Compare up to 4 providers

*Pricing is based on a single male planning to live and work in the State of New South Wales on a working visa. Prices reflect the April 1 premium rise and are accurate for October 2019 but are subject to change in the future.

The nib overseas visitor cover options

For non-students there are four levels of cover to choose from, so you can balance your cost and health needs to find a policy that’s right for you.

For other overseas visitors who want additional cover, there are four options to choose from, all of which meet visa requirements. nib offers these through IMAN, a subsidiary largely focused on healthcare for overseas visitors.

  • Budget: Basic cover for emergencies. You will likely need to pay out-of-pocket expenses for things like doctor visits, and other relatively basic health needs.
  • Basic: Effective cover for wider, everyday health needs, such as doctor consultations, outpatient medical services and basic health needs.

Hospital benefits

BudgetBasic
Monthly price (singles cover)$73.23$129.56
Monthly price (couples)$146.46$259.12
Monthly price (family)$212.76$338.16
Public and private hospital cover
  • yes
  • yes
Inpatient treatments
  • yes
  • yes
Emergency facilities coverOnly when leading to hospitalisation
  • yes
Outpatient treatments following hospitalisation
  • yes
  • yes
Outpatient doctor consultations
  • no
  • yes
Outpatient specialists (including pathology and radiology)
  • no
  • yes
Outpatient psychiatric consultations
  • no
  • yes
Pregnancy cover
  • Restricted
  • Restricted

Extras benefits

BudgetBasic
PBS-listed pharmaceuticals
  • no
  • yes
Artificial aids
  • no
  • no
Physiotherapy, chiropractic and osteopathy
  • no
  • no
General dental
  • no
  • no
Optical
  • no
  • no
Home nursing
  • no
  • no
Therapies
  • no
  • no
Health appliances
  • no
  • no
Laser eye surgery
  • no
  • no

What’s not covered

Non-Medicare services are not covered by any of the cover types, except the applicable extras. Each cover type also has some specific exclusions which you cannot claim benefits for:

Budget:
  • General dental and optical
  • Outpatient medical
  • Outpatient pharmaceutical
  • Non-medicare procedures
  • Assisted reproductive
  • Bone marrow and organ transplants
Basic:
  • General dental and optical
  • Outpatient psychology and psychiatry
  • Non-Medicare services
  • Assisted reproductive
  • Bone marrow and organ transplants

Benefits and features of each

All cover levels will fulfill your visa requirements and also entitle you to specific additional benefits.

  • Emergency ambulance cover included
  • No excess for any services or hospital admissions
  • Repatriation benefits, to transport you back to your home country if medically required
  • Funeral expenses cover, up to $20,000

Limitations and waiting periods to be aware of

In all cases, you will only be covered up to 100% of the Medicare Benefits Schedule (MBS) amount for hospital and other medical services. This is the “normal” cost of procedures according to Australia’s public healthcare system. Some policies and treatments will only let you claim up to 85% of the MBS amount, in which case you will need to pay the difference yourself. In all cases you will only be covered for the specified situations and treatments listed in your policy.

If you undergo treatments with a doctor who charges more than the MBS amount, such as you might find at a private clinic, you will need to pay any difference yourself.

You can check beforehand to see how much a doctor charges, and whether you’ll incur any gap expenses.

Waiting periods also apply, and you cannot claim for the specified services immediately after taking out cover.

  • Ambulance cover: No waiting period
  • Inpatient psychiatric treatment and rehabilitation: 2 months
  • Pre-existing conditions and pregnancy-related services: 12 months

How to make a claim

If you're an OSHC member with nib, your claims options include:

Categorynib service channel (members can discuss claims)Claiming (members can claim directly)
Claiming AppYesYes
Online ServicesYesYes
HICAPSYesExtras Only
PhoneYesNo
MailYesYes
EmailYesNo
Retail CentreYesYes
Dedicated Contact CentreYesNo
WebsiteYesNo
24 Hour emergency helplineYesNo
Dedicated on campus supportNoNo
On campus claim processingNoNo
Direct BillingYesYes
Click to chatNoNo

Compare nib's range of overseas visitors cover

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