Overseas Visitor Health Cover (OVHC): A Guide for International Visitor in Australia
What is OVHC
Overseas Visitor Health Cover (OVHC) is a type of health insurance designed for international visitors to Australia. It is a requirement for most temporary visa holders, such as those on tourist, student, or working visas, to have adequate health insurance during their stay in Australia.
Why is OVHC important?
Peace of mind: OVHC protects you from the high cost of medical care in Australia. If you get sick or injured, you won’t have to worry about the financial burden of treatment
.
Visa requirement: Many visas require you to have OVHC as a condition of entry.
Better access to care: With OVHC, you may be able to access private hospitals and specialists, which can offer shorter waiting times and more personalized care.
Who needs OVHC?
Visitors from countries without a Reciprocal Health Care Agreement (RHCA) with Australia.- Visitors on visas that require them to have OVHC (e.g., visitor visas, student visas, working holiday visas).
- Visitors who want comprehensive medical coverage during their stay.
Here are some of the major providers of OVHC in Australia
Allianz Care
Bupa
Cigna Global
Medibank
NIB
It is important to compare different OVHC policies before you buy one to make sure you get the best cover for your needs.
Here are some key points about Overseas Visitor Health Cover in Australia:
Mandatory Requirement: Many temporary visas, including student visas and 457/482 work visas, require applicants to maintain OVHC for the entire duration of their stay in Australia.
Healthcare Access: OVHC helps cover the costs of medical treatment, hospitalization, and prescription medications, ensuring that visitors have access to necessary healthcare services while in Australia.
Insurance Providers: Several insurance providers offer OVHC policies. These policies vary in coverage and cost, so visitors should compare different plans to find one that suits their needs.
Coverage Components: OVHC typically covers essential medical services such as doctor visits, hospitalization, emergency ambulance transport, and some prescription medications. Extras like dental and optical services may also be included in certain plans.
Waiting Periods: Most OVHC policies have waiting periods before certain benefits become available. It’s important for visitors to be aware of these waiting periods and plan their coverage accordingly.
Policy Exclusions: OVHC policies may have exclusions, limitations, and pre-existing condition waiting periods. Visitors should carefully review the terms and conditions of their chosen policy to understand the coverage details.
Visa Compliance: Maintaining valid OVHC coverage is essential for visa compliance. It is crucial for visitors to ensure that their health insurance remains active and meets the requirements of their visa throughout their stay in Australia.
Renewal and Cancellation: Visitors should be aware of the renewal process for their OVHC policy and any conditions related to cancellation. Failure to maintain continuous coverage may result in visa issues.
BUPA Insurance
For visa subclass 600, 601, 651, and more. If you’re visiting Australia on a non-working visa or as a tourist, or if you have family or friends coming to visit, we hope you have more enjoyable things to think about than how you’re going to pay for the cost of healthcare if you or your family get sick or have an accident. When you’re covered by Bupa’s overseas visitors cover, you can enjoy your time in Australia with greater peace of mind.
To Know More about BUPA OVHC
OVHC is available for people travelling to Australia on holidays, visiting relatives, or for those who are working on a temporary basis.
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