Compare & Buy 400 Temporary Work Visa Health Insurance Plan

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Policy Start Date = Your visa start date Or last policy expiry date + 1 day
Policy Payment Term = Monthly

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Great range of health insurance plans
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HEALTH INSURANCE IS REQUIRED

As per the criteria by Department of Home Affairs, Migrants and their family are required to meet certain health standard to stay in Australia. Our website compares a range of insurance products so you can make an informed choice when it comes to purchasing the policy.

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Compare & Buy health insurance plan from any of the providers listed on our website and claim 15 Free PTE Practice tests. Upload your insurance policy on our website and get your 15 practice tests within 48 hours.

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Health Insurance Criteria

Visa Compliance
Meets Government Requirements It meets Australian immigration requirements to maintain adequate health insurance for your stay in Australia.
Get Instant Policy Certificate Maximum 1-2 business days are taken by insurers to issue letter of health insurance confirmation. This letter can be used as proof of insurance with visa application.
Out of Hospital Treatment
Doctor services Percentage of benefits listed in MBS are received when consulting with general practitioner or specialist (including pathology and X-rays), where you are not in a hospital.
Radiology
Pathology
Ultrasound
Specialists Consultation
In Hospital Inclusions & Specific Services
Doctor services
Excess Total excess amount is payable once per person per calendar year, up to a maximum of twice on the membership.
Accommodation You will be Covered for overnight and same day stays in a hospital which is covered by the Insurance. This covers all the costs, including all theatre, intensive care and labour ward fees.
Surgically Implanted Prostheses 100% benefit for surgically implanted prosthetics listed in Federal Government Prosthesis Schedule.
Accident and emergency services Covered for emergency room visits in a covered hospital. Where marked as unconditional, for it to be covered the treatment must be certified by treating doctor or lead to an admission to a hospital.
Pregnancy and related services
Rehabilitation If served your waiting periods, you may be covered for rehabilitation.
Psychiatric or palliative care
Gastric banding
Hip & knee joint replacement surgery
Cardiac Service
Bone marrow and organ transplants
IVF And assisted reproductive services
Cosmetic surgery
Waiting Periods
In-patient psychiatric, rehabilitation and palliative care
Pre-existing conditions Waiting periods are applicable for pre-existing conditions only when patients are admitted for in-patient medical treatment in a hospital. No waiting period applies for Out-of-hospital treatments for any pre-existing conditions.
Pregnancy and related services
Out of hospital prescription medicines
Extra
Eye Care
Dental care
Physiotherapy
Psychology
Acupuncture
Chiropractic
Natural Therapy
Remedial Massage
Hearing aids
Glucose monitoring
Speech Therapy
Other
Emergency ambulance services Emergency service is where you need immediate treatment and there is no other way to get to a hospital.
Repatriation to home country Some insurers will pay for repatriation, if you are terminally ill or die while in Australia.
Retail centre support
Product Details

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FAQs

What is an OVHC?

OVHC is an abbreviation for Overseas Visitors Health Insurance Cover, designed for international visitors and workers wishing to visit or work in Australia

Is there a visa requirement that mandates me to hold an OVHC?

If your visa is subjected to Visa Condition 8501, you must maintain adequate arrangements for health insurance while you are in Australia.

8501 condition is a condition applied to 485, 482 (previously 457), 476, 489 visas and more.

What is covered under the OVHC policy?

OVHC helps you cover the cost of:

medical treatment when you're in hospital
emergency ambulance transport
medical costs to get you back home
Some prescription medicines (Not available for basic covers)
Medical services provided by a doctor or specialist out of hospital (Not available for basic covers).

Are there different levels of OVHC cover that one can choose from?

Most Insurance providers offer various levels of policies that Visitors and workers can choose from based on their health care needs

You can choose from

A Low Range cover - Covers yourself and your families' ambulance and hospital expenses.

A medium range cover - Depending on the insurance provider, this level of policy will cover for Out of Hospital treatment and Hospital expenses and some prescription medicines.

A Top Range cover - More comprehensive coverage than the above two covers with more options of receiving benefits towards dental, optical and physio treatments (Extent of coverage vary according to the Insurance Provider)

How do I pay for my OVHC cover?

You can choose to pay your OVHC premiums in a weekly, fortnightly, monthly or yearly basis. With OVHC, you do not have to pay the full premium covering the entire duration of Visa. You can choose to pay automatic payments through Direct debit until you cancel the policy.

Want to know more? Head to our FAQ section

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