We offer two levels of Overseas Visitors Health Cover (OVHC) so you can choose the cover that best suits your needs.
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..
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.
For all exclusions please read the policy document.
The Medicare Benefits Schedule (MBS) is a list of medical services (e.g. a standard consultation with a GP or having surgery in hospital) subsidised by the Australian Government with a fee (known as a ‘Schedule fee’) for each item.
The Schedule fee is the amount the government considers appropriate for one of these services and determines the amount Australians receive when they claim a medical service through Medicare.
A waiting period is the time you need to wait before a benefit is available. Some costs, such as medical expenses relating to a pre-existing condition, are not covered during your waiting period.
You’ll need to wait:
If you have Extras cover, additional waiting periods also apply: