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Overseas Visitors Health Cover (OVHC)

Overseas residents who are residing in Australia for the purpose of working or visiting and holds a temporary visa should consider taking out Overseas Visitors Health Cover (OVHC). Australian 485 visa (Temporary Resident) applicant and their family members are personally liable for all their healthcare costs for entire duration of 485 visa. As part of the 485-visa condition, Overseas Visitors Health Cover (OVHC) is mandatory and OVHC helps limit applicant’s financial liability in case of unforeseen health issues, which can be very expensive otherwise. 485 Australian visa (TR Visa) is for international students who have recently graduated with skills and qualifications that are relevant to the specific occupations in Australia. This helps students to stay, study and work in Australia on a temporary basis. Candidates for working visas, for example, subclasses 482 (Temporary Skill Shortage) or 485 (Temporary Graduate), are required to take OVHC to meet their mandatory visa requirements along with their guests may likewise be required to take OVHC.

OVHC Coverage

Each OVHC programme can vary in terms of costs, qualifications, and benefits. Nevertheless, most plans will protect you for medically required hospital visits and some of your doctor's fees. For addition to medication and prescription costs, you can even receive a general care allowance. Medical treatment offers benefits to health care professionals in private practise such as dentists, optometrists, and physiotherapists. Insurance might cover part of these expenses, but you will also have to pay some of the fees yourself. Take care as you buy coverage as some programmes will have lower benefits or no benefits for certain types of treatment, and waiting periods can vary-some packages will explicitly restrict coverage for pre-existing conditions, which ensures that such diseases can never be protected. See the Health Insurance Guide for Visitors for more information about what you can look for when buying coverage. The wellbeing of most foreign tourists includes goods with minimal coverage for pharmaceuticals. Overseas tourists can face substantial out-of-pocket costs if they require prescription treatment. Travelers entering Australia can bring in medicines and medical devices for immediate use and import small quantities for personal use.

Who should purchase Overseas Health Cover ?

  • Student visa :

    You are required to hold Overseas Student Health Cover.

  • Working visa :

    If you are an applicant for a working visa, including subclass 482 and subclass 485, you can purchase Overseas Visitors Health Cover to meet your needs. Make sure you select a policy that meets your visa requirements.

  • Any visa with condition 8501 :

    You can purchase Overseas Visitors Health Cover to meet your needs. Make sure you select a policy that meets your visa requirements

  • Any other visa :

    If you do not have any form of Medicare benefits or you have reciprocal Medicare benefits, you can purchase Overseas Visitors Health Cover from an Australian or international insurer;

    If you have an interim (usually blue) or full (usually green) Medicare card, you can purchase Australian residents' private health insurance.

Source: health insurance for overseas visitors

For more information on 485 Visa (Temporary Resident) eligibility and health insurance requirements refer to the following link Health insurance for overseas visitors