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How Does Overseas Visitor Health Cover Work?

What is Overseas Visitors Health Cover?

Overseas Visitors Health Cover (OVHC) is health insurance for international visitors wishing to visit or work in Australia on a temporary visa. OVHC is available for people travelling to Australia on holidays, visiting relatives, or for those who are working on a temporary basis.

If you become sick or have an accident while you are here in Australia, Allianz Global Assistance OVHC will help you pay for your medical costs.

When do I need Overseas Visitors Health Cover?

Unless you’re an Australian or New Zealand citizen, an Australian permanent resident, or a citizen of a country that has a Reciprocal Health Agreement with Australia, you will not be eligible for Medicare - the public health insurance system. Without access to Medicare, paying for medical treatment can be prohibitively expensive.

If your visa is subject to condition 8501, you’re required to maintain adequate health insurance for yourself and any family. This means that maintaining adequate health insurance is a mandatory requirement while the visa holder is in Australia.

There might be times when you are sick or injured and need assistance. Your OVHC covers you for medical costs that would normally be covered by the Australian Medicare system if you were an Australian resident.

Whether you’re coming to Australia for a holiday, visiting family or friends, or visiting for work, we provide OVHC that meets visa condition 8501 which applies to the 482 Temporary Skill Shortage and 485 Temporary Graduate visas.

Find Health Cover by Your Visa Type

We provide OVHC to a range of eligible visas. Choose your visa type below.

OVHC for Working Visas

Visas 482, 485, 417, 188, 403, 407 and more.

For when you are temporarily working in Australia or you are visiting on a working holiday.

We offer a range of cover options to suit your budget and health needs.

OVHC for Visiting Visas

Visas 600, 601, 651 and more.

For when you are visiting Australia on holiday, or for your family if they are visiting from overseas.

We offer a range of cover options to suit your budget and health needs. 

Who is covered under an OVHC policy?

The people covered under your OVHC will depend on the type of policy you have. Your Certificate of Insurance will clarify which policy you have purchased. We offer cover for the following people:

Single Policy
A single policy will provide cover for the primary visa holder only. This policy will not cover dependants, spouses or children. If your situation changes, you will need to update your policy.

Dual Family Policy
A dual family policy provides cover for the primary visa holder and either one adult spouse or de facto partner; or one or more children under the age of 18 years old.

Multi-Family Policy
A multi-family policy provides cover for the primary visa  holder and one adult spouse or de facto partner and one or more dependent children under the age of 18 years old.

Other things you should know

  • Is OVHC private health insurance?
  • Reciprocal Health Care Agreements with Australia


Get a price to learn more about our policies.