Australian Unity OVHC Health Insurance

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Visiting Australia? And Need a Health Insurance Cover?

With Australian Unity Health with you, your stay in Australia will be nothing less than an easy ride! So, you can rest assured with us!

Why Choose Us?

We've Been Here a Long Time!

An experience that spans more than 175 years, helping people not simply live, but thrive - we are unarguably one of the oldest and hence most trusted healthcare brand of Australia.

More than Just a Health Insurance

You are offered a broad array of rewards and discounts once you become a member. So, you don't benefit through us only when you're sick; we look after you in every way.

We're Your Very Own Health Fund!

We, at Australian Unity, sternly believe in putting our esteemed members before our investors and other overseas owners. The members are always the primary beneficiaries of our brand.

Australian Unity Overseas Visitor Cover

If you're making plans to visit or work in Australia, getting an appropriate level of health cover (also known as health insurance) may be a requirement for your visa, including if you are coming to Australia under a subclass 457/485/489 visa.

Having Australian Unity Overseas Visitors Cover will give you greater control over how soon you're treated, as well as who treats you and where, should the unexpected happen to you.

Cover can also help you avoid expensive fees for treatment. For example, public hospital stays in Australia can cost over $2000 per night.

We offer affordable health insurance that can cover you for a wide range of services and treatments including:

  • Doctor and specialist fees
  • Hospital treatment, accommodation and theatre fees
  • Emergency ambulance
  • Day surgery and procedures

Main Features

Cut down on medical costs and protect your health Australia-wide
You can get your treatment from any medical practitioner practicing privately, and who is recognised by Australian Unity.
If you switch from your old healthcare fund to us within a span of 30 days, you won't have to start the process all over again.
You can easily manage your cover, edit your personal details, or make payments, and so on, any time 24/7, by logging in into your online account.
You also get to benefit by availing from a broad range of discounts and rewards from us, even if you're not unwell.

Visa Compliance letter instantly

Australian Unity is fully aware of the healthcare laws that govern both the citizens of Australia, as well as the people who come to stay here from other countries. And the healthcare system of this country being one of the best in the world, the authorities take it very seriously. We therefore help the global citizens all over by taking care of their health and providing them with health insurance to get them their International visa, and ensure their peaceful time in Australia.

Discover more
Understanding healthcare in Australia How to claim Frequently asked questions OVC Terms and conditions

For more information and to get a quote, visit Australian Unity here .

Now Let's Get a Start on This!

Australian Unity has been into the healthcare business for a period that amounts to just about two centuries. We know everything there is to know about the healthcare system and industry of Australia, and we're always looking to use knowledge to help people all over.

So, if you want to come, and stay or live in Australia, we'd be more than happy to get your call at . Don't worry a bit; one of our agents will give you a call back and tell you all about the best healthcare cover for you and your family.

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Price & Plan

Note: Cover Type = Single, Payment Term = Monthly.

Budget Workers

$85.70

Mid Workers

$94.84

WORKERS COVER PLUS

$186.15

Note: Cover Type = Single, Payment Term = Monthly.

Basic Overseas Visitors Cover

$98.40

Mid Overseas Visitors Cover

$121.55

Top Overseas Visitors Cover

$202.60
Health Insurance Criteria
BUDGET WORKERS COVER
$85.70
MID WORKERS COVER
$94.84
MID WORKERS COVER
$186.15
Visa Compliance
Meets Government Requirements It meets Australian immigration requirements to maintain adequate health insurance for your stay in Australia.
Instant Visa Letter Maximum 1-2 business days are taken by insurers to issue letter of health insurance confirmation. This letter can be used as proof of insurance with visa application.
Out of Hospital Treatment
Doctor services Percentage of benefits listed in MBS are received when consulting with general practitioner or specialist (including pathology and X-rays), where you are not in a hospital.

100% of MBS

150% of MBS
Antenatal, postnatal and psychiatric benefits Birth related services including antenatal and psychiatric/psychology with outpatient pregnancy benefits. Excluding services as antenatal classes and postnatal services provided by midwife or lactation consultant.

(Restricted)

(Restricted)

(Restricted)
Prescription medicines These are usually capped. Benefit includes medication prescribed outside the hospital.

$300/Yr/Person

$500/Yr/Person
Hospital Types Covered
Public Hospitals Hospitals are typically of two types in Australia, public and private. Government runs public hospitals. Private sector runs private hospitals. Private hospital benefits are that you can choose your doctor and don't have to wait for non-emergency treatment.
Private Hospitals - agreement Hospitals are typically of two types in Australia, public and private. Government runs public hospitals. Private sector runs private hospitals. Private hospital benefits are that you can choose your doctor and don't have to wait for non-emergency treatment.

Insurance providers have their own network of "agreement hospitals" that can be attended and be covered for hospital costs. Large out of pocket medical bills can result if you go to a private hospital that does not have insurance coverage.

Discuss with your insurer first before going to hospital.
Private Hospitals - non-agreement Hospitals are typically of two types in Australia, public and private. Government runs public hospitals. Private sector runs private hospitals. Private hospital benefits are that you can choose your doctor and don't have to wait for non-emergency treatment.

Insurance providers have their own network of "agreement hospitals" that can be attended and be covered for hospital costs. Large out of pocket medical bills can result if you go to a private hospital that does not have insurance coverage.

Discuss with your insurer first before going to hospital.
Low Benefit Minimum Benefits
In Hospital Inclusions
Excess Total excess amount is payable once per person per calendar year, up to a maximum of twice on the membership.
Nil $500/yr $500/yr
Accommodation Fully covered for overnight and same day stays in a covered hospital. It covers all costs including all theatre, intensive care and labour wards fees.
Public Only Private and Public Hospital Private and Public Hospital
Prescription medicines
(in hospital)
Medications listed under Pharmaceutical Benefits Scheme (PBS) for treatment of your specific condition are covered. Excluding high cost, non-PBS listed or drugs that are not approved by Therapeutic Goods Administration (TGA).
Public Only Private and Public Hospital Private and Public Hospital
Surgical implanted prosthesis 100% benefit for surgically implanted prosthetics listed in Federal Government Prosthesis Schedule.
Public Only Private and Public Hospital Private and Public Hospital
Accident and emergency services Fully covered for emergency room visits in a covered hospital. Where marked as unconditional, for it to be covered the treatment must be certified by treating doctor or lead to an admission to a hospital.
Public Only Private and Public Hospital Private and Public Hospital
Doctor services You will get the benefits listed when you are treated by doctors or specialists (including pathology and x-rays) and other allied services (eg.physiotherapy) in a covered hospital.

100% of MBS

100% of MBS

150% of MBS
In Hospital Specific Services
Pregnancy and related services If served your waiting periods, you may be covered for psychiatric and palliative care.

Some insurers offer minimum benefits. Minimum benefits are restricted to:
Bupa: Accommodation cover of shared room in public hospital with your choice of doctor. You'll get shared room minimum benefits at a rate set by the Government if chosen to be treated in private hospital.
IMAN: Accommodation at a rate set by the Government. The MBS fee for in-patient(where applicable) and out-patient medical expenses. Public hospital benefits may be put towards the cost of a stay in private hospital.
If chose to be treated in private hospital that is not fully covered, this may result in large out of pocket expense.
Public Only
Public | Restricted - Private

Public | Restricted - Private
Rehabilitation If served your waiting periods, you may be covered for rehabilitation.
Some insurers offer minimum benefits.
Public Only
Public | Restricted - Private

Public | Restricted - Private
Psychiatric or palliative care If served your waiting periods, you may be covered for psychiatric and palliative care.
Some insurers offer minimum benefits. Minimum benefits are restricted to:
IMAN: Accommodation at a rate set by the Government. The MBS fee for in-patient (where applicable) and out-patient medical expenses. Public hospital benefits may be put towards the cost of a stay in private hospital.
If chose to be treated in private hospital that is not fully covered, this may result in large out of pocket expense.
Public Only
Public | Restricted - Private

Public | Restricted - Private
Gastric banding If served your waiting periods, you may be covered for gastric banding and obesity surgery.
Some insurers offer minimum benefits. Minimum benefits are restricted to:
IMAN: Accommodation at a rate set by the Government. The MBS fee for in-patient(where applicable) and out-patient medical expenses. Public hospital benefits may be put towards the cost of a stay in private hospital.
If choose to be treated in private hospital that is not fully covered, this may result in large out of pocket expense.
Public Only
Public | Restricted - Private

Public | Restricted - Private
Bone marrow and organ transplants
IVF And assisted reproductive services
Cosmetic surgery Usually excluded, unless medically necessary.
Other
Emergency ambulance services Emergency service is where you need immediate treatment and there is no other way to get to a hospital.
Gap scheme A gap is the amount charged by doctor above a schedule fee. Some insurers have a gap scheme that doctors use to reduce or eliminate out of pocket expenses to patients.
Repatriation to home country Some insurers will pay for repatriation, if you are terminally ill or die while in Australia.
Waiting Periods
In-patient psychiatric, rehabilitation and palliative care Psychiatric, rehabilitation and palliative treatments done in hospital will need you to serve a pre-defined waiting period. Waiting periods are already listed.
2 Months 2 Months 2 Months
Pre-existing conditions If there is any pre-existing condition, then claim cannot be done on any service for that condition for waiting period. Waiting periods are already listed.
12 Months 12 Months 12 Months
Pregnancy and related services Don't claim any service for a defined waiting period for pregnancy and obstetrics. Waiting periods for each insurer are listed to the right.
12 Months 12 Months 12 Months
Out of hospital prescription medicines Some offer benefits on selected pharmacy items prescribed as hospital out-patient or by a doctor or specialist.
2 Months 2 Months
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