Perfect for visiting visas 600, 601, 651 and more.
24/7 Emergency Helpline
13 67 42
Certificate of insurance
Access a network of Medical Professionals
Australia- wide Cover
$78.00 | Month*
$141.00 | Month*
~$1,000,000 Annual Limit
~$1,000,000 Annual Limit
Please note the start date of your policy must be a minimum of 2 days from the purchase date. Waiting periods and out-of-pocket fees may apply. For full details, read thePolicy Wording.
|Please note the start date of your policy must be a minimum of 2 days from the purchase date. Waiting periods and out-of-pocket fees may apply. For full details, read thePolicy Wording.|
|Download Factsheet >||Download Factsheet >|
^This is a summary of the benefits only. Waiting periods, exclusions, limitations and terms and conditions apply. Read the Policy Wording for full details.
*From $78.00 per month price is based on a single cover for Budget Visitors Cover. From $141.00 per month price is based on a single cover for Standard Visitors Cover.
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.
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.
A dual family policy provides cover for the primary visa holder or either one adult spouse or de facto partner or one or more children under the age of 18 years old.
A multi-family policy provides cover for the primary visa holder, one adult spouse or de facto partner and one or more dependent children under the age of 18 years old.
A waiting period is the time you need to wait after purchasing your policy and before cover is available for certain medical conditions. You cannot claim for medical treatment that is provided during the waiting period.
If you purchase Budget Visitors Cover or Standard Visitors Cover you’ll need to wait:
Please also note that the start date of your policy must be a minimum of 2 days from the date of purchase.
For full details of the waiting periods, please refer to the policy wording.
We don't cover visits to the emergency department that do not result in a patient admission if you purchase our Budget Visitors Cover. That will only be covered if you purchase our Standard Visitors Cover.
If you purchase Budget or Standard Visitors Cover , we don't cover:
If your policy ceases because you no longer hold an eligible visa, you will not be covered for any medical treatment. Check you are on an eligible visa or contact us.
For a comprehensive list of all exclusions, please read the policy wording.
You may incur an out-of-pocket fee (also known as a gap fee) if the amount a medical provider charges is more than the benefit you're entitled to under your cover.
For example, you purchase an OVHC Standard Visitors policy that includes local doctor (GP) consults. You visit a GP and are charged $80.00. The MBS fee at the time for a GP visit is $37.50. Under the OVHC Standard Visitors policy, we will cover you for 100% of the MBS fee. You will therefore receive $37.50 when you claim. The remaining amount ($42.50) is the out-of-pocket fee which you will need to pay the GP directly.
We recommend you confirm all costs with your doctor or hospital before any procedure or consult so that you are aware of all costs including any out-of-pocket fee.
A pre-existing condition is an ailment, illness or condition, the signs or symptoms of which existed at any time 6 months prior to the date your cover commences. This includes an undiagnosed ailment, illness or condition that was present at the time your cover commences.
For example, if you have been diagnosed with asthma within 6 months before the date your cover commences, this will be considered a pre-existing condition. You will need to wait the applicable waiting period before cover will be provided.
A pre-existing condition is determined by a medical practitioner, appointed by us, at the time of a claim arises. In forming an opinion, our appointed medical practitioner will refer to any information in relation to the ailment, illness or condition that your doctor provides us.