Perfect for working visas 482, 485, 417, 188, 403, 407 and more.
24/7 Emergency Helpline
Certificate of insurance
Access a network of Medical Professionals
Meets Australian Government Visa Condition 8501
*Weekly price is displayed for price comparison purposes only. Minimum payment frequency for OVHC working cover is fortnightly. Minimum payment of $34.62 per fortnight price is based on a single cover for Budget Working Cover. Minimum payment of $50.77 per fortnight price is based on a single cover for Standard Working Cover. Minimum payment of $72.92 per fortnight price is based on a single cover for Mid Working Cover. Minimum payment of $137.54 per fortnight price is based on a single cover for Top Working Cover. To purchase your OVHC, we collect a minimum of one month premium as an initial payment. After the initial payment, you can set future fortnightly payments.
^This is a summary of the benefits only. Waiting periods, exclusions, limitations and terms and conditions apply. Read the Policy Wording for full details.
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, Standard, Mid or Top Working Cover you’ll need to wait:
Waiting periods do not apply to emergency treatment by an approved ambulance service. Waiting periods will however be applied to any subsequent hospital or medical costs.
If you purchase Mid or Top Working Cover, additional waiting periods also apply including:
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 Working Cover. That will only be covered if you purchase our Standard, Mid or Top Working Cover.
If you purchase Budget, Standard, Mid or Top Working Cover, we don't cover:
If you purchase Budget or Standard Working Cover, we don't cover:
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 Standard Working Cover 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 $38.20. Under the Standard Working Cover policy, we will cover you for 100% of the MBS fee. You will therefore receive $38.20 when you claim. The remaining amount ($41.80) 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.
~ 6 weeks free when you join any new working visa cover