If you’re moving to Australia on a temporary visa, obtaining appropriate health insurance is essential. Most visa types require Overseas Health Cover (OVHC) to meet visa conditions, ensuring you have access to healthcare services during your stay. This guide explains OVHC, who needs it, what it covers, and how to choose the best plan for your needs.

What Is Overseas Health Cover (OVHC)?

OVHC is a type of health insurance specifically designed for temporary visa holders in Australia. It helps cover the cost of medical treatment, including doctor visits, hospital stays, and prescription medications, ensuring compliance with visa requirements. OVHC plans are offered by private insurers and vary in coverage levels, costs, and benefits.

Who Needs OVHC?

Most temporary visa holders are required to have OVHC, including:

1. Subclass 482 (Temporary Skill Shortage) Visa Holders
   • Mandatory to hold OVHC unless covered by a Reciprocal Healthcare Agreement (RHCA).
2. Subclass 485 (Temporary Graduate) Visa Holders
   • OVHC is necessary to meet visa conditions.
3. Other Temporary Visa Holders
   • Check your visa requirements to confirm if OVHC is mandatory.
4. RHCA Countries
   • Visa holders from countries with an RHCA (e.g., UK, New Zealand, Ireland) may access Medicare but can still opt for OVHC for additional coverage.

What Does OVHC Cover?

OVHC provides a range of healthcare benefits depending on the level of coverage you choose. Basic policies typically include:

• Doctor Visits: Subsidised GP consultations.
• Hospital Care: Coverage for treatment in public or private hospitals, depending on the plan.
• Prescription Medications: Partial coverage for essential medications.
• Ambulance Services: Emergency transport in most plans.

Higher-tier plans may include extras such as:

• Dental, optical, and physiotherapy services.
• Coverage for maternity and mental health treatments.

What Isn’t Covered by OVHC?

While OVHC provides essential healthcare benefits, it may not cover:

• Pre-existing conditions during the waiting period (usually 12 months).
• Cosmetic surgery.
• Over-the-counter medications.
• Elective procedures outside Australia.

Review your policy’s exclusions carefully to understand the limitations.

How to Choose an OVHC Plan

When selecting an OVHC plan, consider the following factors:

1. Visa Requirements
   Ensure the policy meets your visa conditions and covers all mandatory healthcare services.
2. Coverage Needs
   Assess your personal health needs, including potential requirements for dental, optical, or allied health services.
3. Cost and Budget
   Compare premiums and out-of-pocket costs. Basic plans are more affordable but may not cover extras or private hospital care.
4. Provider Network
   Choose an insurer with a wide network of healthcare providers to ensure convenient access to services.
5. Waiting Periods
   Be aware of waiting periods for pre-existing conditions or maternity services.

How to Purchase OVHC

1. Compare Plans
   Use comparison websites like Finder or iSelect to evaluate policies from multiple insurers.
2. Check Visa Compliance
   Verify that the chosen plan meets your visa requirements. Most insurers offer plans labelled specifically for certain visa types.
3. Apply Online
   Most insurers allow you to purchase OVHC online with immediate confirmation.
4. Provide Proof for Visa Applications
   After purchasing a plan, you’ll receive a certificate of insurance to include with your visa application.

Tips for Managing OVHC

• Understand Claim Processes: Familiarise yourself with how to make claims and what documentation is needed.
• Use Preferred Providers: Choose doctors and hospitals within your insurer’s network to minimise out-of-pocket costs.
• Renew on Time: Ensure your policy remains valid throughout your visa period to avoid breaching conditions.
• Upgrade as Needed: Consider upgrading your plan if your circumstances change, such as needing maternity coverage or extras.

Overseas Health Cover (OVHC) is a vital component of life in Australia for temporary visa holders, providing access to essential healthcare services and meeting visa requirements. By understanding your healthcare needs, comparing plans, and choosing the right provider, you can ensure comprehensive coverage and peace of mind during your time Down Under.