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FAQs

Understanding OVHC, Comprehensive FAQs

Is OVHC mandatory for all visitors to Australia?

OVHC is not mandatory for all visitors, but it's essential for those on certain visa types like 482, 485, or 600 to meet visa conditions and ensure health cover.

Does the OVHC cover pre-existing conditions?

This 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.

What is a Waiting Period?

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.

What is Excess in Health Insurance?

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.

Can I get coverage for my family under the OVHC?

Absolutely. Most OVHC providers offer plans that can cover your spouse and children. This is known as a family policy.

How do I choose the right OVHC plan?

Consider factors like the length of your stay, your health needs, and your budget. Compare different plans and read the policy details carefully.

What does OVHC cover?

OVHC usually covers doctor visits, hospital treatments, emergency ambulance services, and some prescription medicines. But remember, the extent of coverage varies between policies.

What’s Not Covered by OVHC?

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!

Why do I need OVHC in Australia?

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.

How much does OVHC cost?

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.

How does the Refer a friend works ?

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!

Who needs OVHC?

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.

What does OVHC cover?

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.

What are waiting periods under OVHC?

• 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.)

When does OVHC coverage start?

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).

How do I pay for OVHC and are there monthly payment options?

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.

How do I renew or extend my OVHC?

You can renew online or contact your insurer before your current policy ends. Continuous coverage avoids eligibility or visa issues.

How do I make a claim with OVHC?

Submit claims online, in person, or via app. Needed documents include hospital or GP receipts; some providers offer direct billing.

Can I switch OVHC providers?

Yes. Purchase a new policy first, then cancel the current one and request a refund for unused premium days.

Are waiting periods applicable for OVHC?

Yes. Most policies have a waiting period for pre-existing conditions and some extras like maternity.

What happens if I overstay my visa and OVHC lapses?

If your coverage lapses, you may not meet visa conditions. Always ensure you maintain insurance for the full visa period.

Is OVHC the same as travel insurance?

No. OVHC is ongoing health cover for medical needs in Australia; travel insurance is designed for emergencies abroad and includes things like lost luggage.

Can waiting periods be waived or transferred in OVHC?

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.

What exclusions apply under OVHC?

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.

Is OVHC required for all visitor/worker visas?

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.

From our users

Trusted by Thousands, Celebrated by Many!

Priyank M.

AHM - Single for 2 Years

Choosing this service was the best decision I made before my trip. The team was incredibly responsive, and the policy documents arrived instantly, just as promised. I now travel with peace of mind knowing I’m fully covered.

Xuelei Wang

Nib (OVHC - SC485 Visa) - Single

I had so many doubts before purchasing insurance online, but this platform made it simple and transparent. The comparisons were helpful, and the support team guided me through every step of the process effortlessly.

Madan Kumar

AHM - Couple for 2 Years

When I needed support during an emergency overseas, they were just a message away. The claim process was smooth, and having a visa-compliant policy made everything much easier. I highly recommend their service.

Anu P.

Allianze Care - Couple for 2 Years

I needed OVHC urgently for my visa. GetMyPolicy delivered exactly what I needed with fast activation. Their platform is trustworthy and well-designed for non-residents. I’ve already recommended it to my friends planning their Australia trip!

Guoxiang J.

Medibank - Single for 2 Years

GetMyPolicy saved me hours of research. I chose a comprehensive OVHC plan in just a few steps. Everything from pricing to coverage details was super clear. I’d recommend it to anyone visiting or working in Australia.

Shweta R.

Nib - Single

I used GetMyPolicy to buy my OVHC when moving to Australia. The site was easy to navigate, and I felt confident I was getting genuine cover. It’s a must-use platform for anyone needing visitor health insurance.

Rohit N.

Allianze Care - Single for 1 Year

GetMyPolicy simplified everything! I found a great OVHC plan that fits my budget and meets visa requirements. The entire process was transparent, and support was just a click away. Highly recommend it for visitors and workers!

Xiaoxiao H.

AHM - Couple for 2 Years

Finding OVHC was stress-free with GetMyPolicy. Their platform helped me compare options quickly and get covered in minutes. It’s perfect for anyone on a work visa looking for reliable health cover in Australia.

GetMyPolicy is built by Aussizz Group - trusted by countless migrants since 2009. We blend tech and care to make health cover simple, reliable, and human because we’ve walked your journey too.

In Australia, we’re present nationwide, including Victoria, New south wales, western Australia, South Australia, Queensland and Australian capital territory.

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Unlock Exclusive Benefits with Your Policy Purchase

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