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Overseas Visitors Health Cover

Travelling to Australia ? Search visitors health insurance

What is Overseas Visitor Health Cover(OVHC)?

Overseas Visitor Health Cover is health insurance designed for international visitors who wish to visit or work in Australia. OVHC will provide visitors cover on the health expenses, saving money on visitors’ health bills. Since illness and injury are unpredictable, having overseas visitor health cover policy in place should be a smart choice.

What are covered by Overseas Visitors Health Cover?

  • Part of the cost of visiting a doctor
  • Some pharmacy expenses
  • Emergency ambulance transport
  • Medically-required hospitalization fee
  • Additional costs(including chiropractic services, dental, optical and physiotherapy)

HCF Short Stay Visitors Health Insurance

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Local Doctor (GP)
  • Pathology
  • Radiology
  • Other Specialists
from

$11.31

/ week

Bupa Short Stay Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$11.77

/ week

nib Budget Visitor Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Repatriation
from

$16.90

/ week

Bupa Short Stay Visitors Cover With Budget Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$17.87

/ week

Allianz Budget Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Repatriation
from

$17.95

/ week

Australian Unity Basic Overseas Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Pathology
  • Radiology
  • Other Specialists
from

$18.23

/ week

HIF Visitor Saver

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Pathology
  • Radiology
from

$20.58

/ week

Bupa Short Stay Visitors Cover With Your Choice Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$21.67

/ week

HCF Essentials Visitors Health Insurance

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$23.00

/ week

Australian Unity Mid Overseas Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$28.07

/ week

HIF Visitor Value

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Pathology
  • Radiology
  • Other Specialists
from

$28.07

/ week

nib Basic Visitor Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Repatriation
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$29.90

/ week

Bupa Short Stay Visitors Cover With Top Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$29.92

/ week

Medibank Overseas Visitors Everyday Hospital and Medical – $250.00 Excess

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Local Doctor (GP)
  • Pathology
  • Radiology
  • Other Specialists
from

$31.97

/ week

Allianz Standard Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Repatriation
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$32.45

/ week

HCF Essentials Plus Visitors Health Insurance

Benefits

  • Public Hospital
  • Private Hospital
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$34.50

/ week

Bupa Standard Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$34.82

/ week

Bupa Short Stay Visitors Cover With Top Extras 75

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$40.12

/ week

Bupa Standard 50 Visitors Cover

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$40.67

/ week

Bupa Standard Visitors Cover With Budget Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$40.92

/ week

Australian Unity Top Overseas Visitors Cover

Benefits

  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$43.48

/ week

Bupa Standard Visitors Cover With Your Choice Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$44.72

/ week

Bupa Short Stay Visitors Cover With Top Extras 90

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$50.82

/ week

Bupa Standard Visitors Cover With Top Extras 60

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$52.97

/ week

Bupa Standard Visitors Cover With Top Extras 75

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$63.17

/ week

Bupa Standard Visitors Cover With Top Extras 90

Benefits

  • Extras Cover
  • Public Hospital
  • Private Hospital
  • Rehabilitation
  • Ambulance
  • Local Doctor (GP)
  • Prescribed Medicines (out-of-hospital)
  • Pathology
  • Radiology
  • Other Specialists
from

$73.87

/ week

Who offer OVHC ( Overseas Visitor Health Cover ) ?

If you need to buy overseas visitors health cover (OVHC), check the following and find out which insurance companies offer it.
  • Allianz
  • Australian Unity
  • Bupa
  • HCF
  • HIF
  • Medibank
  • nib

Are all medical costs covered by OVHC?

OVHC policy does not cover all the medical costs, like the cost of some non-necessary(or elective) services. There might be some differences from insurer to insurer. Some examples of the cost that might not be covered:
  • Procedures not recognised by Medicare
  • Elective cosmetic surgery
  • Unnecessary ambulance transport
  • IVF and other assisted reproductive services

How do I get Medicare benefits with a non-working Visa?

Medicare is Australia’s public healthcare system which usually only covers Australian citizens and permanent residents. Unless there is an RHCA(Reciprocal Health Care Agreement) in place, tourists to Australia are not eligible for any subsidised medical care under Medicare. Australia has an RHCA with 11 countries. If you are a citizen from one of the 11countries, you may be covered by Medicare to a certain extent when you visit Australia. The 11 countries including the United Kingdom, the Republic of Ireland, New Zealand, the Netherlands, Belgium, Italy, Malta, Sweden, Slovenia, Norway and Finland. As a citizen of these 11 countries, you also need to learn about Australian health care and how it pays for your medical expense.

Why is Overseas Visitors Health Cover so important for overseas visitors?

For most of non-working Visa, health insurance is not a requirement, but it does not mean health insurance is meaningless for you. The Department of Immigration strongly recommends anyone coming to Australia to have health insurance. And there are two reasons: If your country does not have an RHCA with Australia, you will pay all your medical costs on your own without health insurance, no matter a dental examination or an emergency treatment in hospital. Even if your country has an RHCA, your medical expense might not fully be covered by Medicare; Injuries and sicknesses are unpredictable, especially during travelling. Hence, purchasing health insurance is an important part of an experienced traveller’s pre-flight checklist. There are quite a few health insurers in Australia, to find out the most suitable one, you will need to compare Overseas Visitor Health Cover(OVHC) policies from them. Normally, these policies are specially designed for tourists to Australia and could offer extra benefits for tourist.

Who is covered under an OVHC policy?

  • Single: cover for just you
  • Dual Family ( Couple ): cover for you and your spouse or de facto partner
  • Dual Family ( Sole Parent ): cover for you, and your dependent children
  • Multi-Family: cover for you, your spouse or de facto partner, and your dependent children

What visas subclass are covered by OVHC?

Visitor visas

  • Electronic Travel Authority (subclass 601)
  • eVisitor (subclass 651)
  • Visitor (subclass 600)
  • Work and Holiday visa (subclass 462)
  • Working Holiday visa (subclass 417)

Working and skilled visas

  • Business Innovation and Investment (provisional) visa (subclass 188)
  • Skilled-Recognised Graduate visa (subclass 476)
  • Skilled Regional (provisional) visa (subclass 489)
  • Temporary Skill Shortage visa (subclass 482)
  • Temporary Activity visa (subclass 408)
  • Temporary Graduate visa (subclass 485)
  • Temporary Work (International Relations) visa (subclass 403)
  • Temporary Work (Short Stay Specialist) visa (subclass 400)

Family and partner visas

  • Prospective Marriage visa (subclass 300)

Studying and training visas

  • Student Guardian visa (subclass 590)
  • Training visa (subclass 407)

Repealed visas

  • Special Program visa (subclass 416)
  • Student Guardian visa (subclass 580)
  • Temporary Work (long Stay Activity) visa (subclass 401)
  • Training and Research visa (subclass 402)

Other visas

  • Bridging visa A – BVA – (subclass 010)
  • Bridging visa B – BVB – (subclass 020)
  • Bridging visa C – BVC – (subclass 030)