What is OVHC?

OVHC is an abbreviation for Overseas Visitors Health Insurance Cover designed for international visitors willing to travel and work in Australia.

Why it is required to visit Australia?

Even though Australia has a public insurance system called Medicare, overseas visitors are not eligible for this coverage or free treatment in public hospitals. This means, if any unfortunate situation happens, one has to pay for the treatment which can be really expensive.

OVHC helps to cover the costs of:

  • Medical treatment when you're in hospital
  • Ambulance transport
  • everyday health expenses including the consultation and treatment from specialists

It also helps to meet your visa health insurance condition 8501.

What is visa condition 8501?

Certain Australian visas (Subclass 457, 489 and 485) are subjected to 8501 condition. It requires the visa holders along with the accompanying family members to maintain an adequate arrangement for the health insurance. Those who fail to comply with this condition, their visas may get refused or cancelled.

How long do I need OVHC?

The Department of Immigration and Border Protection requires to have a continuous OVHC for the entire length of your stay in Australia.

Who is covered under an OVHC policy?

OVHC policy is divided into three categories:

Single:providing coverage only for the overseas visitor

Dual family: cover the overseas visitor along with adult spouse or de facto partner or one or more children/step children under 18 years of age.

Multi-family:cover the overseas visitor and more than one dependent who can either be adult spouse, de factor partner or children/step children.

If I have a Reciprocal Medicare Card, do I still need to purchase health insurance?

If you belong from the country which has reciprocal health care agreement with Australia, you are entitled to some subsidised health services with Medicare. You may be able to receive immediate necessary treatment in the public health care system but would not be eligible to benefits. Hence, you must consider getting an OVHC for the duration of your stay in Australia.

When does my health insurance begin and end?

Your health insurance cover begins from the day you arrive in Australia or the day your visa is granted (whichever is later). It expires on the same day with your visa as long as you continue to pay your regular instalments.

What should I know before going to hospital with any health insurance coverage?

To get the most of your cover, you must know whether:

  • You are covered for that particular treatment or not
  • You are required to pay additional
  • You have any waiting periods or exclusions
  • Your hospital is under contracted list of hospital

Can I change my level of cover?

Yes, you can change your insurance provider at any time. However, if you want to switch to a higher level of cover, you need to serve the relevant waiting period before making any claims. The same is also applicable when you choose a policy that has lower co-payments or gap fees. If you are not regular with your payments, you need to check with your new insurer before changing the level of cover.

How hospital and extra cover are different?

Hospital cover includes inpatient treatment which requires admittance to hospital. Extra cover includes all the treatments covered outside of hospital such as consultations from the specialists, dentistry or physiotherapy.

What is the difference between inpatient care and outpatient care?

Inpatient care refers to a medical treatment for serious ailments or trauma that requires a patient to stay in a hospital for one or more days. While an outpatient care is something where a patient is treated at the hospital but does not require to be admitted. It may be getting X-rays or being kept under general observation.

What if I leave Australia but my OVHC is still active? Can I get refund?

You need to consult your insurance provider as every company as different criteria for refund policy.

How does Aussizz Group works?

Our services are divided into two categories. First, we offer a comparison where you can transparently compare health insurance plans and prices. Then we make sure your chosen insures process your application fairly and quickly.

How can I compare different health insurance policies?

All you need to do is to submit your details in the form here (provide url) and choose the type of plan you need to compare.

What If I become the permanent resident or Australian citizen of Australia?

You then become eligible for complete access to the Australian public health system and have the option to shift from visitors’ health insurance to domestic policy. However, you need to notify your insurer immediately to ensure getting an appropriate form of cover.

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