If you’re planning a long-term stay in Australia, you need an overseas visitors’ health cover (OVHC) policy. Here’s the Canstar Guide to the cost or price of OVHC.
As with any other insurance product, overseas visitors’ health cover (OVHC) is offered by a number of insurance companies with a number of different products. This variety means the cost of OVHC can vary widely, but we can give you an idea of the basic price range you’ll be looking at. If you’re not sure what OVHC is, read this article first.
What does OVHC cost?
The cost of your overseas visitors’ health cover (OVHC) will depend on what type of health cover you are looking for. There are two types of OVHC: working visa health cover, and overseas student health cover (OSHC). Below we explain how much working visa heath cover costs and how much OSHC costs.
What does working visa health cover cost?
The cost of OVHC will vary depending on the provider and policy in question. Based on the OVHC insurance products we researched and rated in our most recent star ratings report for OVHC, you can expect the following costs for OVHC visitors with working visas.
The graph below details the cheapest and most expensive policies available for the four profiles we used in our OVHC ratings: single male, single female, couple, and family.
To find out how much OSHC for international students costs, read this article.
Is the cheapest OVHC policy the best?
No. While the prices for OVHC aren’t too expensive compared to other insurance products, keep in mind that you might regret choosing the cheapest policy if it ends up costing you more because it has extra fees and charges. Here’s our guide to avoiding excess charges on your OVHC policy.
You might also want to have a quick look at the most common complaints lodged in relation to OVHC and OSHC policies, so that you know what you need to look out for.
The other way a cheap policy might fall short of expectations is by not including features you need by default; if you end up in an incident or with a condition that isn’t covered under your policy, you’ll be in a whole lot of trouble. Here’s our list of features that you should definitely include in your working visa health cover policy.
For more information about the two types of OVHC – working visa health cover and OSHC (international student health cover) – visit the Canstar website and compare insurance policies:
The inclusions mentioned represent a selection of what is covered at the time of writing. Additional terms and conditions may apply to different features. Additional fees may apply to the product. Canstar is not making any suggestion or recommendation to you about this product. Please ensure that you read the product disclosure statement (PDS) to determine all the current options and inclusions for the product you are considering.
Canstar is an information provider and in giving you product information Canstar is not making any suggestion or recommendation about a particular insurance product. If you decided to apply for an insurance policy, you will deal directly with an insurance provider, and not with Canstar. Premiums, coverage, benefit limits, and product information should be confirmed with the relevant insurance provider. For more information, read our detailed disclosure and our Financial Services and Credit Guide.
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