Compare Overseas Visitors Health Cover

Name: OVHC comparison
Brand: Compare Club
Rating: 4.6 (6363 reviews)

Tell us what cover you would like and we'll help you compare the best deals from multiple Australian providers.

Satisfy Australian Government visa requirements
Receive your visa compliance letter instantly by email
Cut down on medical costs and protect your health Australia-wide

We're Australia's largest and most trusted private health insurance
comparison service*

Our Overseas Visitors health insurance partners

Here’s how our experts can help you with your
Overseas Visitors Health Insurance Cover

Find Cover You Want

Enter a few details and we’ll help you find the policies that better suit your needs.

Simple Comparison

Let us know what type of cover you would like and we'll let you know what you'll be covered for.

Avoid Hefty Bills

Overseas Visitors Health Cover can help you avoid hefty health care bills.

Meet Visa Requirements

We only offer policies that fulfill the visa requirements set by the Australian Government.

How our experts have
helped Australians like you

Excellent

Based on 6363 reviews on

Showing our 4 & 5 star reviews

by Lynette Combrinck
12 days ago
Millie was outstanding
Millie was outstanding. Comparing health insurance and figuring out what cover is best suited is so overwhelming. She made it easy to understand and on top of that I felt that she truly had my best interest at heart. Would recommend her to all my family and friends. Thanks again Millie.
by Gary Hildebrand
18 days ago
Health Insurance-I was so confused about health…
I was so confused about health insurance but Karan went through every detail with me and made sure we had coverage for the items we need, making it all very clear and I changed my insurer and saved nearly $500 py Very happy 😊
by Sina
a month ago
Today I spoke with Arianne - Best Customer Service received in a very long time
Today I spoke with Arianne, who was absolutely delightful. She went above and beyond to ensure I received the best possible Health Cover for my needs, nothing seemed to be too much trouble and even though it took a while to find the right cover for me, she never gave up and was kind and helpful the whole way through. You could actually hear the passion she has for her job and for providing the best customer care to her clients. Thankyou Arianne in a world where most don't care you were a breath of fresh air. Thankyou
by Jenny V
2 months ago
Health cover Advisor
Health cover Advisor George Deng found the best policy that suited my needs & switching policies have saved me alot of money. Highly recommend him very professional & easy to talk too.
by John Wait
3 months ago
All plaudits to Enrique Jose for the…
All plaudits to Enrique Jose for the service and excellent explanation he provided today.As a consequence we have changed health funds. Keep up the good work. Thank you. John & Crista
by Florence Pierce
6 months ago
Quick & Easy Change of Health Insurance!
Compare Club contacted me today in reference to an online Health Insurance survey I recently filled out: Alicia of Compare Club was Beyond Brilliant! She compared Insurers for me, got me far better, more reasonably priced coverage, ensured I now have more & better Extras Cover with BUPA than I ever did with my previous Insurer (AHM) & easily transferred me to my new Health Insurer, all in record time (but without rushing me). Not only that, Alicia Tailored my new coverage Specifically, to my exact Medical & Health needs - again, all for a better Fortnightly/Monthly Premium! Alicia also simplified all of the complex details in clear language ensuring that the whole process was not only quick, but pain-free & even enjoyable! Would recommend them to absolutely anyone: Thanks, Alicia & thanks, Compare Club!
by Klaudia Dunk
6 months ago
Private health
The consultant compared my health fund cover and how much I use it to see if there was any better options. The only better option to match with my usage is with my health fund at a lower level of extras, but they still walked me through the steps of how to change it, despite the fact that what they usually do is get people a better rate by changing providers.
by J C
9 months ago
Cheers to Mac!
Took out my first ever Private Health Insurance policy today with the assistance of Mac who was super helpful and cracked a few jokes here which made it an enjoyable experience. Cheers Mac, you're a Legend!
by Louise Chiconi
10 months ago
They had my best interests in sight
I spoke with a lovely lady, Ellie, who was looking out for my best interests in health insurance, understanding what I was looking for and what I needed. Whilst I had done some research of my own I also needed assistance on understanding other areas (health insurance is not the easiest to understand) and we both agreed on the same. Having her understand my priorities was a great way to move forwards.
by Vera Randall
10 months ago
PROFESSIONAL, EMPATHETIC, ADVICE SAVED $S
On following up on our re quest for a review of our health fund cover, team member Andy, handled our enquiry professionally, with empathy and friendliness. We accepted Andy's information with confidence and transferred to a fund that is not saving us $200 plus per month. In addition, Andy informed us that when out of the country, on advising our new fund we would not be required to make a payment.
by Sharon F
a year ago
Very Happy Customer
My experience today with both Shaneen (not sure) and Taylor was exceptional. They took their time to ask the necessary questions of what I was wanting to achieve from my Health Care Fund. I found Taylor to be very professional and helpful and he was able to find a much better option for me where I not only saved but also received more for my dollar. Couldn't ask for more than that!!
by Ray Russell
a year ago
I've been thinking of changing…
I've been thinking of changing Healthcare insurance for a while but found it a bit daunting. Using this comparison service made it all easy. Well explained and pleasant to deal with. Ended up with a similar policy for less with better extras cover. And some pretty handy advice from Alex Valentini. Thankyou.
by Robert Leslie Johnson
a year ago
First of all I enquired about my health fund costs
First of all I enquired about my health fund costs and in doing so I found that I could save a few dollars on my current fund. The people at compare club are not pushy in any way and it was a pleasure doing business with them. Then I asked about my electricity costs and the same thing applied I saved more money as I am in my 80s every little bit helps.
by Brad
a year ago
The assistance was god and concise
The assistance was god and concise, my big problem was not getting told of the increase and therefore given a premium that was to be out of date before I paid my first. Not happy Jan.
by Anne
a year ago
A good review - so far
I was impressed with my service Matt the person I dealt with was clear and helpful I must admit I was weary as I had a bad expert with a company with health comparisons before and that locked me into a contract that didn’t cover what I requested So so far all is ok and appreciated the follow up afterwards Let’s hope our association is a good one Anne
by Anthony
a year ago
Easy to comprehend and informative
Easy to comprehend and informative. Understanding our requirements and adjusting our policy to suit. Everything was well explained.
by Marjetta
a year ago
Very informative
Very informative
by Thuy
a year ago
It was very good!
It was very good!
by Dianne
a year ago
conversation was easy and…
conversation was easy and understandable very informative
by Dianne
a year ago
Health comparison
Max was very informative and made sure I got everything I needed in my policy at a better price than HCF

What is visa condition 8501?

Adequate health insurance criteria

Condition 8501 requires applicants for certain visas to take out a baseline level of health insurance for the duration of their stay in Australia. Without this level of cover a visa is unlikely to be granted or, if your cover lapses while you're in the country, your visa may be cancelled.

It's important to note that most, but not all, overseas visitors health insurance policies are tailored to meet these requirements. All policies that are available for purchase through Compare Club meet condition 8501.

The following are the required criteria for “adequate health insurance”.

Provides public hospital cover at a minimum
Includes cover for emergency ambulance transport
Covers all medications covered by the Pharmaceutical Benefits Scheme (PBS)
Covers all treatments listed under the Medicare Benefits Schedule (MBS)

FIND OUT MORE

Overseas Visitors Health Cover FAQ's

Here are some of the most frequently asked questions we receive about Overseas Visitors Health Cover:

What visas are covered under Overseas Visitors Health Cover (OVHC)?

We cover all ‘active’ visas, such as working visas (485, 482, 408) and visitor visas (600, 601).

There are some visas that are no longer active which health funds won’t cover, and you can’t get cover for any visa that has access to Medicare, such as visa 804 and visa 864.

Can I organise my cover before coming to Australia?

Yes. Our experts are able to help you get your cover sorted before coming to Australia, and you can call us internationally to get it sorted. We can even help with a certificate of insurance if that’s needed for your visa type.

When can I start using my cover?

Your membership will commence on the date you nominated as the cover start date, even if your membership card has not arrived. However you should note that waiting periods will apply before you can make a claim.

You will have seen these when you compared insurers, however the information will also be available in the welcome email sent by your chosen insurer.

Does Overseas Visitor Health Cover include extras, such as dental and optical?

Most policies do not include extras, but can be added to the cover if required. Most Overseas Visitors Health Cover includes hospital and ambulance with the option to add benefits for doctors, specialists and pathology (blood tests).

How do I make an Overseas Visitors Health Cover claim?

It depends on your insurer, but you can make a claim by providing the receipt and claiming online or through the insurer’s mobile app.

However, most doctors and General Practitioners will recognise some health funds and let you claim on the spot with your membership card.

What happens if the date I'm arriving in Australia changes?

All you have to do is contact your insurer or us prior to the start date of your cover so it can be changed. You should do this as soon as you know about the delay.

When will I be charged?

You will be billed for your first month as soon as you sign up for your policy to confirm your cover. This payment will cover the month that follows your policy start date.

When this period ends, you will be charged for the next billing period, which may be fortnightly or monthly.

What if my membership card doesn't arrive before I leave my overseas address?

If you were overseas at the time of purchase and in transit at the time your membership card/s arrive, you can always contact us or your fund once you arrive in Australia and ask for your cards to be reissued.

Is there a difference between Overseas Visitors Health Cover (OVHC) and Overseas Students Health Cover (OSHC)?

Yes, there is.

Overseas Visitors Health Cover is a month to month health insurance and has limited options as to what can be included in your cover.
Overseas Students Health Cover is for student visas and must be paid upfront for the length of time the visa is active. For example, if your visa is for two years, you must pay two years upfront. All people on the visa must also be included on the cover. If you want to learn more, please read our guide.

To receive Oversease Visitors Health cover Insurance quotes, submit your details above and a Compare Club health insurance expert will contact you.

* More Health insurance policies sold vs other comparison services July 2021 - June 2022, PHIIA (2022) and higher Trust pilot scores vs competitors as of 1 Oct 2023.

Compare Club compares selected products from a panel of trusted insurers. We do not compare all products in the market.