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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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491 VISA

The new 491 visa is also known as Skilled Work Regional (Provisional) Visa. Eligible skilled workers and their families is allowed to live, study and work for 5 years in specified regional areas across Australia. The Visa holders can be able to apply for a Permanent Residency Visa after 3 years.

HEALTH INSURANCE IS RECOMMENDED

Unlike 489 Visa, the 491 Visa holders can avail the Medicare facilities as per the Government guideline. However, there are some facilities which Medicare won’t cover like Ambulance and so on. So, you are recommended to buy health insurance (extras) policies. Compare and Buy your best plan.

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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
Pregnancy and related services
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 Covered for overnight and same day stays in a covered hospital. It covers all costs including all theatre, intensive care and labour wards 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
Extra Click here for more information on waiting period and yearly limit for extras
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

491 Visa Health Insurance

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491 VISA

HEALTH INSURANCE IS RECOMMENDED

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