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Securing your visitor visa health insurance through GetMyPolicy is quick and easy.
Choosing GetMyPolicy gives you the confidence to explore Australia without worrying about medical expenses with OVHC Compare.
| Feature | With GetMyPolicy | With Other Providers |
|---|---|---|
| OVHC Compare Options | Compare multiple insurers in one place | Usually limited to one provider |
| Certificate Delivery | Instant via email | It can take several business days |
| Payment Process | Fast, secure and paperless | Manual or slower verification |
| Visa Compliance | 100% approved for visitor and temporary visas | May need manual checks |
| Flexibility | Single, couple or family options available | Restricted to individual cover |
We offer a full range of visa-ready health insurance options for every need:
With OVHC compare, get instant confirmation and stay visa-compliant with GetMyPolicy’s trusted partners.
Get A Free QuoteThis can be tricky. Some OVHC policies cover certain pre-existing conditions, but there might be a waiting period. It's essential to check this with your insurer.
A waiting period is the amount of time you must wait after starting your policy before you can claim certain benefits.
Common Waiting Periods:
• General Treatment: Services like dental or physiotherapy usually have a 2 Months waiting period.
• Hospital Cover for Pre-existing Conditions: Typically comes with a 12 Months waiting period.
• Pregnancy & Maternity: Often requires a waiting period of 12 Months or more.
• Psychiatric Services: Some policies have a 2 Months waiting period (this can vary).
Tip: If you're switching from another OVHC provider with continuous cover, some waiting periods may be waived.
Excess is the amount you agree to pay out of your pocket when you make a hospital claim under your OVHC policy. It's like a small contribution you make before the insurance kicks in.
For example: If your excess is $500 and your hospital bill is $3,000, your insurer will pay $2,500 - you pay the first $500.
Absolutely. Most OVHC providers offer plans that can cover your spouse and children. This is known as a family policy.
Consider factors like the length of your stay, your health needs, and your budget. Compare different plans and read the policy details carefully.
OVHC usually covers doctor visits, hospital treatments, emergency ambulance services, and some prescription medicines. But remember, the extent of coverage varies between policies.
OVHC is designed to help you with emergency and essential healthcare, but it doesn't cover everything.
Here's what is typically not included:
• General dental, optical, or physio (unless extras are added)
• Pre-existing conditions within first 12 Months
• Cosmetic surgery or elective treatments
• Services not medically necessary
• Services received outside of Australia
Always check your policy brochure or ask us if you're unsure about any benefit!
In Australia, medical care can be quite expensive. OVHC helps protect you from high medical costs and ensures you get the necessary treatment without financial strain.
The cost of OVHC varies based on factors such as the level of coverage you choose and the insurer you go with. It's important to compare prices from different providers to find a plan that fits within your budget. To simplify this process, you can use GetMyPolicy.online. This platform allows you to easily compare policies and pricing from a variety of insurers, helping you make an informed decision tailored to your needs.
Once you successfully purchase a policy through GetMyPolicy, you’ll receive a unique referral link via WhatsApp.
You can share this link with your friends, family or colleagues who are planning to buy an OSHC or OVHC policy in Australia.
Whenever someone uses your referral link to purchase a policy, you’ll receive a $20 GiftPay Card as a reward. 🎁There’s no limit - the more you refer, the more you earn!
OVHC is for temporary visa holders who are not international students (i.e. non-Subclass 500), including visitors, tourists, workers on temporary visas, etc., who need health insurance while in Australia and are typically not eligible for Medicare. It may or may not be mandatory depending on visa conditions.
Most OVHC plans cover:
• Hospital stays and surgery
• Doctor/GP consultations
• Emergency and some non-emergency ambulance
• Prescription medicines
Some may offer extras for dental and optical.
• Around 2 months for psychiatric, rehabilitation and palliative care
• 12 months for pre-existing conditions and for pregnancy-related services
• Additional waiting for some extras (optical, major dental, etc.)
From the date specified on the policy (could be policy purchase date, arrival date or visa start date), provided you have paid the premium. If arrival or visa date changes, notify your insurer. Waiting periods usually start from that date (or arrival date, whichever is later).
OVHC often allows more flexible payment schedules (monthly or periodic) because many visa holders stay for shorter periods. Payment methods are similar: credit/debit cards, bank transfers, etc.
You can renew online or contact your insurer before your current policy ends. Continuous coverage avoids eligibility or visa issues.
Submit claims online, in person, or via app. Needed documents include hospital or GP receipts; some providers offer direct billing.
Yes. Purchase a new policy first, then cancel the current one and request a refund for unused premium days.
Yes. Most policies have a waiting period for pre-existing conditions and some extras like maternity.
If your coverage lapses, you may not meet visa conditions. Always ensure you maintain insurance for the full visa period.
No. OVHC is ongoing health cover for medical needs in Australia; travel insurance is designed for emergencies abroad and includes things like lost luggage.
Yes - if you hold a similar cover with no gap greater than 30 days, you may get credit for waiting periods already served. Sometimes promotional waivers or upgrades may reduce waiting periods for certain benefits.
Common exclusions are cosmetic surgery, elective or non-medically necessary treatments, medical costs exceeding what the insurer schedule pays (“gap”), treatments before waiting periods end, or where alternative insurance/compensation applies.
Not for all — depends on visa conditions. Some visas require “adequate health insurance” (e.g. condition 8501), others do not. Always check your visa subclass to see if OVHC is mandated.
If you plan to leave Australia for a period (for example, travelling overseas and not returning immediately), check with your insurer whether the policy can be suspended or if you’ll need to maintain continuous cover. A gap may affect your visa compliance or waiting periods when you return.
If your stay in Australia changes (e.g., visa extension or early return home), you should notify your insurer and consider adjusting your OVHC cover dates accordingly. This ensures you remain covered for your actual stay and avoid paying for more cover than needed or falling out of compliance.
While standard OVHC mainly covers hospital and medical services, some plans may offer optional extras for dental, optical, or physio services. Always check your policy Product Disclosure Statement (PDS) to see which extras are included or available as add-ons.
Generally, the OVHC cover starts on the date specified in the policy (often aligned with the visa start date or arrival date). Any treatment before that start date is typically not covered. Make sure the policy start date aligns with your arrival to avoid issues.
Nib (OVHC - SC485 Visa) - Single