Overseas Visitor Health Cover • Australia

Find the right health cover
for your stay in Australia

Compare 15 OVHC plans from 6 trusted Australian insurers. Budget, mid-range, or comprehensive โ€” we help visitors, working holiday makers, and Super Visa applicants find their best fit.

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6 Insurers compared
15 OVHC plans
Free Independent comparison
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Compare 15 OVHC products from 6 insurers side-by-side. Filter by budget, coverage level, and extras.

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OVHC Providers

Australia's major OVHC insurers

Compare plans from all major overseas visitor health cover providers in Australia.

Bupa

3 plans available

Largest tier

Australia's largest private health insurer. Bupa OVHC covers overseas visitors, international students (OSHC), and worki...

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From $80/mo

Medibank

3 plans available

Second-largest tier

Australia's second-largest health insurer and one of the largest government-backed providers (privatised in 2014). Medib...

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From $75/mo

ahm (by Medibank)

2 plans available

Growing tier

ahm is Medibank's budget-focused brand, targeting younger demographics and working visa holders. Their OVHC products are...

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From $70/mo

Allianz Care Australia

3 plans available

Significant tier

Allianz Care is part of the global Allianz Group, one of the world's largest insurers. Their OVHC plans cover working vi...

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From $85/mo

nib

2 plans available

Third-largest tier

nib is Australia's third-largest health insurer, offering straightforward OVHC products for working visa holders, overse...

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From $72/mo

Australian Unity

2 plans available

Mid-tier, tier

Australian Unity is a mutual health insurer and wellbeing company. Their OVHC covers overseas visitors on working, bridg...

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From $78/mo
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Pricing at a Glance

What does OVHC cost?

Monthly premiums vary by provider, coverage tier, age, and visa type. Below are indicative ranges for single adults.

Budget

$70โ€“$125/mo

Indicative single adult rate

Hospital + ambulance only. Minimal extras. Suitable for short-stay visitors and budget-conscious travelers.

Mid-Range

$115โ€“$190/mo

Indicative single adult rate

Hospital + GP + extras (dental, optical, physio). Best value for working holiday makers and families.

Comprehensive

$180โ€“$290/mo

Indicative single adult rate

Full hospital + highest extras limits. Pre-existing condition cover after wait. For Super Visa and older visitors.

Prices are indicative only. Source: official provider websites and PDS documents. Always verify for current quotes.

Common Questions

OVHC FAQ

What is OVHC and who needs it?
Overseas Visitor Health Cover (OVHC) is health insurance for temporary visitors to Australia. It's mandatory for certain visa subclasses (condition 8501) including Sponsored Parent (Temporary) visa (subclass 870) and Skills in Demand visa (subclass 482). Even when not mandatory, OVHC is strongly recommended โ€” Australia does not have free public healthcare for visitors (except limited reciprocal arrangements for 11 countries).
How much does OVHC cost per month?
Budget OVHC plans start around $70โ€“$125/month for single adults. Mid-range plans with extras (dental, optical, physio) run $115โ€“$190/month. Comprehensive plans with full extras and higher limits cost $180โ€“$290/month. Prices vary by provider, age, and state. Family and couple rates are higher.
Does OVHC cover pre-existing conditions?
Most OVHC policies have a 12-month waiting period for pre-existing conditions. No provider covers pre-existing conditions immediately for overseas visitors. If you have a known health condition, plan ahead and take out cover early.
Which OVHC provider is best?
It depends on your needs. Bupa and Medibank have the largest hospital networks. Allianz Care offers strong international brand recognition. nib and ahm are value-oriented. Australian Unity is member-owned with a community focus. Use our comparison tool to find the best plan for your budget and coverage requirements.
Can I switch OVHC providers?
Yes, you can switch OVHC providers at any time. Check your current policy for cancellation terms (most offer pro-rata refunds on unused portions). When switching, be aware that waiting periods from your previous policy may not carry over โ€” confirm with the new provider before switching.
Does OVHC cover pregnancy?
All OVHC products require a 12-month waiting period for pregnancy-related services. If you plan to start a family during your stay in Australia, take out OVHC at least 12 months before the expected due date.

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