Compare Overseas Visitors Health Cover

Name: OVHC comparison
Brand: Compare Club
Rating: 4.6 (6954 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

How our experts have helped Australians like you

Excellent

Based on 6954 reviews on

The consultant was most helpful

3 hours ago

The consultant was most helpful. My only criticism would be his misinformation concerning the re installing of our pensioner concession rates on the changeover to another provider. He advised that the "welcome pack" would include a form that needed to be completed for that purpose and forwarded to the respective authority un SA. It didn't. I then phoned the SA Gov energy hotline who informed me that all I do is wait for my 1st power bill with new provider, then ring them and they re instated the concession over phone.

Dennis

Great Customer Service and feedback.

4 hours ago

Great Customer Service and feedback.

Glen Symonds

I an so pleased that I was able to…save money on my health and power plans

14 hours ago

I an so pleased that I was able to secure a much better price on my power and health plans. I am truly grateful for the professional and friendly help.

Christine Delamore

Very professional and helpful

17 hours ago

Very professional and helpful, they done the closing of my health fund and setting up my new health fund. Everything went smoothly.

Magda Brockbank

Compare Club with Royden

18 hours ago

Royden Rikki was very helpful from the beginning. He was able to get a better life insurance premium than the current one I was using. Very easy to communicate with and made the process very smooth to transition across to my new provider.

Tamra Hendriks

Quick response

20 hours ago

Quick response, consumer friendly, and extremely detailed response.

Penelope

HAVING TITIN AND APRIL AS BROKERS IS HALF THE BATTLE WON BEFORE STARTING..

20 hours ago

I have now been dealing with Titin and April since late March 2025 when I first contacted Titin regarding Reverse Mortgage (RM). And as of late July 2025 our loan as in RM has been confirmed. The somewhat long period to establish the RM is not caused by Titin and April, but by some unfortunate events having happened to the Title of our property viz: (1) Some twenty years ago an unknown third party put a Caveat on our Title without notifying us and (2) the ANZ who had provided us with a homeloan for our property in 2000 had failed to provide a Mortgage Release letter to us when we paid out the loan in around 2003. To sort out these two issues to clear our Title, we had to engage the assistance of a lawyer, who managed after quite some time to clear our Title of those two events thus enabling the establishment of the RM. During this period both Titin and April have been very supportive of us, have acted in a professional manner and have shown a lot of patience, for which we are very grateful. We can only provide our very best recommendations for Titin and April to anybody who is on the lookout for a Broker to assist in establishing a RM.

Hans Jensen

CC Rep was well prepared.

21 hours ago

CC Rep was well prepared.

Narcissus

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.