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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.
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.
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-month waiting period.
- Hospital Cover for Pre-existing Conditions: Typically comes with a 12-month waiting period.
- Pregnancy & Maternity: Often requires a waiting period of 12 months or more.
- Psychiatric Services: Some policies have a 2-month 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!
Nib (OVHC - SC485 Visa) - Single