What’s covered by your Overseas Visitors Health Cover policy?

We offer two levels of Overseas Visitors Health Cover (OVHC) so you can choose the cover that best suits your needs.

Budget Visitors (hospital only) For $77.42 a month*

Hospital

  • Public hospital - Admitted patient in shared ward accommodation for overnight or same-day hospital stays
  • Public hospital - Accident and emergency fees when leading to inpatient admission
  • Private hospital accommodation (for hospitals that have a contracted rate with AHSA)
  • Prescribed medicine that is part of your hospital care (including discharge medications)
  • Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List

Emergency transport

  • You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
  • Medical repatriation for up to $5,000 (cover for returning you back to your home country due to a life-altering illness or injury, or in the event of death)

Doctors and specialists (out of hospital)

  • Not covered

Prescription medicine

  • Not covered

Visitors Plus For $112.42 a month*

Most popular

Hospital

  • Public hospital - Admitted patient shared ward accommodation for overnight or same-day hospital stays
  • Public hospital - Accident and emergency fees (admission not required)
  • Private hospital accommodation (for hospitals that have a contracted rate with AHSA)
  • Prescribed medicine that is part of your hospital care (including discharge medications)
  • Surgically implanted prostheses up to the approved amount listed on the Australian Prostheses List

Emergency transport

  • You’re covered for emergency ambulance transport to hospital for admission and on-the-spot emergency treatment
  • Medical repatriation for up to $5,000 (cover for returning you back to your home country due to a life-altering illness or injury, or in the event of death)

Doctors and specialists (out of hospital)

  • 100% of the MBS fee for medical services provided by a local doctor (also known as a general practitioner or GP)
  • 85% of the MBS fee for other medical services like blood tests and x-rays (including specialists)

Prescription medicine

  • Up to $50 per prescribed medicine
  • Up to $300 each calendar year if you have singles cover
  • Up to $600 each calendar year if you have family cover

Disclaimer For more details read the policy documents below. You can only claim prescription medicines included in the Pharmaceutical Benefits Scheme (PBS) list and for items that cost more than the PBS co-payment fee ($38.80). To see the full list of PBS medicines and the current co-payment fee, visit the Department of Health website*Waiting periods apply to both Budget Visitors – Hospital Only and Visitors Plus policies..

Need extra cover?

For customers on select working visas (for example Visa 457 or Visa 485) we offer additional cover for common health services not covered by your standard OVHC policy. Working visa holders can add one of our Extras package options to your base cover for an additional cost.

Basic Extras from $47.54 a month

Dental

General dental (examinations, cleaning, fillings, basic tooth removal, x-rays etc.)
Benefits Tooltip

50%

Annual limit Tooltip

$500 per person
$1,000 per family


Major dental (wisdom teeth removal, root canal therapy etc.)
Benefits Tooltip

X

Annual limit Tooltip

X


Orthodontics (plates, braces etc.)
Benefits Tooltip

X

Annual limit Tooltip

X


Optical

Prescription glasses

Contact lenses
Benefits Tooltip

100%

Annual limit Tooltip

$150 per person
$300 per family


Laser eye Surgery
Benefits Tooltip

X

Annual limit Tooltip

X


Physiotherapy

Physiotherapy

Occupational therapy

Orthoptist (eye therapy)
Benefits Tooltip

Initial: $35
Standard: $25

Annual limit Tooltip

$300 per person
$600 per family


Exercise physiology

Hydrotherapy
Benefits Tooltip

50%

Annual limit Tooltip

Included in the annual limits for physiotherapy above


Chiropractic

Chiropractic

Osteopathic service
Benefits Tooltip

Initial: $35
Standard: $25

Annual limit Tooltip

$300 per person
$600 per family


Chinese medicine consultation & complementary therapies

Acupuncture
Natural therapy
Remedial massage
Chinese Medicine consultation
Dietetics
Benefits Tooltip

Initial: $35
Standard: $25




Annual limit Tooltip

$150 per person
$300 per family


Health Management

Preventative health
Benefits Tooltip

50%

Annual limit Tooltip

$100 per person
$200 per family


Podiatry

Podiatry (chiropody)
Benefits Tooltip

X

Annual limit Tooltip

X


Psychology

Psychology/group therapy
Benefits Tooltip

X

Annual limit Tooltip

X


Speech therapy

Speech therapy
Benefits Tooltip

X

Annual limit Tooltip

X


Health aids and wellness

Equipment (1 every 3 years)

Health services
Benefits Tooltip

X

Annual limit Tooltip

X


Orthotics
Benefits Tooltip

X

Annual limit Tooltip

X


Hearing aids

Hearing and audiology
Benefits Tooltip

X

Annual limit Tooltip

X


Top Extras From $147.65 a month

Dental

General dental (examinations, cleaning, fillings, basic tooth removal, x-rays etc.)
Benefits Tooltip

70%

Annual limit Tooltip

$1,000 per person
$2,000 per family


Major dental (wisdom teeth removal, root canal therapy etc.)
Benefits Tooltip

70%

Annual limit Tooltip

$1,000 per person
$2,000 per family


Orthodontics (plates, braces etc.)
Benefits Tooltip

70%

Annual limit Tooltip

$800 per person
$2,400 lifetime limit


Optical

Prescription glasses

Contact lenses
Benefits Tooltip

100%

Annual limit Tooltip

$250 per person
$500 per family


Laser eye Surgery
Benefits Tooltip

70%

Annual limit Tooltip

$500 Per eye
$2,000 per family


Physiotherapy

Physiotherapy

Occupational therapy

Orthoptist (eye therapy)
Benefits Tooltip

Initial: $51
Standard: $41

Annual limit Tooltip

$500 per person
$1,000 per family


Exercise physiology

Hydrotherapy
Benefits Tooltip

70%

Annual limit Tooltip

Included in the annual limits for physiotherapy above


Chiropractic

Chiropractic

Osteopathic service
Benefits Tooltip

Initial: $45
Standard: $35

Annual limit Tooltip

$500 per person
$1,000 per family


Chinese medicine consultation & complementary therapies

Acupuncture
Natural therapy
Remedial massage
Chinese Medicine consultation
Dietetics
Benefits Tooltip

Initial: $45
Standard: $40

Annual limit Tooltip

$350 per person
$700 per family


Health Management

Preventative health
Benefits Tooltip

70%

Annual limit Tooltip

$200 per person
$400 per family


Podiatry

Podiatry (chiropody)
Benefits Tooltip

Initial: $45
Standard: $35

Annual limit Tooltip

$400 per person
$800 per family


Psychology

Psychology/group therapy
Benefits Tooltip

Initial: $90
Standard: $70

Annual limit Tooltip

$400 per person
$800 per family


Speech therapy

Speech therapy
Benefits Tooltip

70%

Annual limit Tooltip

$400 per person
$800 per family


Health aids and wellness

Equipment (1 every 3 years)

Health services
Benefits Tooltip

70%

Annual limit Tooltip

$500 per person
$1,000 per family


Orthotics
Benefits Tooltip

70%
(up to $150 per person)

Annual limit Tooltip

Including in the annual limits for health aids and wellness


Hearing aids

Hearing and audiology
Benefits Tooltip

70%

Annual limit Tooltip

$1,000 every 5 years



Disclaimer For more details read the policy document. Waiting periods apply for all benefits. OVHC Extras is only available for customer in Australia on select working visas.

Things you should know

  • What we don’t pay for
  • MBS explained
  • Waiting periods

Product information