Australia is a popular destination for travelers, skilled workers, and temporary residents. Whether you are visiting for work, family, or leisure, having adequate health insurance is essential. Overseas Visitor Health Cover (OVHC) ensures that non-residents have access to medical care during their stay in Australia.
In this guide, we’ll explain what OVHC is, why it’s important, and how to choose the best OVHC provider in Australia.
What is OVHC?
Overseas Visitor Health Cover (OVHC) is a type of health insurance designed for visitors, temporary workers, and bridging visa holders in Australia. It helps cover medical expenses, ensuring that individuals without access to Medicare can still receive necessary healthcare services.
Who Needs OVHC?
OVHC is required for:
✔ Temporary visa holders (e.g., Subclass 482, 485, 600, 400, etc.)
✔ Visitors on working holidays (Subclass 417 & 462)
✔ Bridging visa holders
✔ Temporary migrants and dependents
💡 Important: Some visa subclasses, especially work visas, require OVHC as part of visa conditions. Without valid health cover, your visa may be at risk.
Why is OVHC Important?
Healthcare in Australia can be expensive, especially for non-Medicare-eligible individuals. OVHC provides financial protection and ensures access to quality medical services, including:
✅ Doctor consultations – General Practitioner (GP) visits for checkups and treatments.
✅ Hospitalization – Coverage for public and private hospital stays.
✅ Emergency ambulance services – Immediate transportation in case of medical emergencies.
✅ Prescription medications – Partial cost coverage for essential medicines.
✅ Specialist treatments – Depending on the plan, physiotherapy, dental, and optical services may be included.
How to Choose the Best OVHC Provider?
When selecting an OVHC provider in Australia, consider the following factors:
1️⃣ Coverage & Benefits
Different providers offer varying levels of coverage. Ensure the plan meets your healthcare needs, especially if you have pre-existing conditions.
2️⃣ Cost & Affordability
Compare prices across providers and select a policy that fits your budget while providing adequate coverage.
3️⃣ Claims Process & Customer Support
Look for 24/7 customer assistance and an easy claims process for smooth reimbursements.
4️⃣ Visa Compliance
Ensure that your OVHC policy complies with Department of Home Affairs visa requirements to avoid complications.