Compare overseas visitor health cover

Choose from 19 overseas visitor health cover policies to meet your visa requirements for when you come to Australia.

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What you need to know

  • If you need health insurance for your visa when you come to Australia, all the options below tick that box.
  • If you want cover for more than hospital care, look for options with a tick below GP visits and dental.
  • There are different levels of OVHC cover which affect the price you will pay.
Name Product Meets condition 8501 Hospital Cover Dental Pregnancy Cover GP Visits Medical Repatriation Price
Frank Basic Workers Cover
Yes (Reduced benefits)
From $64.50 per month
From $64.50 per month.
Frank Minimum Working Visa Cover
From $75 per month
From $75 per month.
Allianz Care Australia Budget Working Cover
From $77.25 per month
From $77.25 per month.
HIF Basic Working Visa
From $77.90 per month
From $77.90 per month.
Frank Mid Workers Cover
From $100 per month
From $100 per month.
HIF Essentials Working Visa
From $103.40 per month
From $103.40 per month.
Allianz Care Australia Standard Working Cover
From $113.85 per month
From $113.85 per month.
Frank Mid Workers Plus Bundle
From $125 per month
From $125 per month.
HIF Intermediate Working Visa
From $129.50 per month
From $129.50 per month.
Allianz Care Australia Budget Visitors Cover
From $135.15 per month
From $135.15 per month.
Allianz Care Australia Mid Working Cover
From $167 per month
From $167 per month.
HIF Comprehensive Working Visa ($500 excess)
From $227.75 per month
From $227.75 per month.
HIF Comprehensive Working Visa
From $275.80 per month
From $275.80 per month.
Allianz Care Australia Standard Visitors Cover
From $297.90 per month
From $297.90 per month.
Allianz Care Australia Top Working Cover
From $313.75 per month
From $313.75 per month.

What is overseas visitors health cover?

Overseas visitors health cover is health insurance designed specifically for people coming to live and work in Australia on a visa. It's mandatory unless you come from a reciprocal health care country or you're a student (in which case, you'll need overseas student health cover). Overseas visitors health care can cover the following:


Hospital care

Cheaper policies will cover emergency ambulance rides and treatment in a hospital, plus accommodation fees. Other common services include cover for hernias, cancer and joint replacements.

general dental

Extras (out-of-hospital services)

Extras cover includes out-of-hospital care such as dental, optical, physiotherapy and chiropractic. Some more expensive OVHC policies will cover these treatments automatically. In other cases, you may need to take out a separate extras policy in addition to basic OVHC cover.


Doctor's appointments

This is when you need to make an appointment at a doctor's clinic, known as a General Practitioner (GP) in Australia, because you're feeling unwell or have some other health issue that may require medication.


Prescribed medicine

If you are on medication, it's likely worth getting a policy that will cover your prescriptions. Otherwise, medicine can be quite expensive in Australia.



If you become seriously unwell or suffer a life-altering disability, most overseas visitor policies will pay to fly you home under medical supervision.

What's not covered by OVHC?

There are some conditions and treatments that OVHC won't typically cover. Here are a few of the most common:

  • Ambulance rides that aren't considered an emergency
  • Elective cosmetic surgery such as a nose job or breast implants
  • Treatment arranged in advance of your arrival in Australia
  • IVF and other assisted reproductive services
  • Services provided outside of Australia

Do you need overseas visitor health cover?

If you plan on working in Australia, your visa application will generally require you to have OVHC in place by the time you enter Australia, unless you come from a country that has a reciprocal health care agreement with Australia.

When should you get overseas visitor health cover?

Migrants need to have health insurance from the time that they enter Australia. For example: Scenario 1) John Doe applies for a visa offshore and the visa is granted. He will arrive in Australia at 4:00am on 20/09/2022. He should get a health insurance policy that starts at 12:00am 20/09/2022. Scenario 2) Jane Doe is already in Australia under a particular visa that requires her to have health insurance, and applies for a subsequent visa onshore that also has this requirement. As she should already have a health insurance policy, she should continue to pay for this policy on an ongoing basis.

Reciprocal health care agreements

If you're from 1 of the 11 specific countries in the list below, you're eligible for Medicare and won't be required to have OVHC (although we still recommend it). That's because your country and Australia have an agreement called a Reciprocal Health Care Agreement (RHCA).

Here are the countries that have an RHCA with Australia:

RHCA countries that don't require health insurance

What if my visa has changed?

clipboard list

If you're changing to another visa, your best bet is to just carry on with the OVHC cover that you already have. For example, if you are on a temporary graduate visa (485) and are switching over to a temporary skill shortage visa (482).

private contract

If you've got your PR, then you are not required to keep your OVHC – but make sure you don't cancel before you get it. Once your PR has been approved, you will be eligible for private health insurance like most Australians.

What is condition 8501?

You know that visa requirement we've been talking about? That's requirement 8501, and it means your visa may not be approved if you don't have health cover in place when you arrive in Australia.

To meet condition 8501, your insurance must meet the following criteria:

  • Be fully comprehensive
  • Provide cover that is equivalent to or better than Medicare
  • Cover prescriptions

Applicants generally provide a letter or policy statement from the insurance provider indicating that the person(s) have made adequate arrangements for health insurance. Generally speaking, health insurance is not a requirement for the visa to be granted. Rather, it is a visa condition imposed as part of the visa grant, commencing when they enter Australia.

To provide evidence you have adequate health insurance in place, most insurers will send you a copy of your policy as soon as you purchase it. You can attach this to your visa application.

Which health funds offer visitors health cover in Australia?

Health fundHospital cover for overseas visitorsExtras cover available or included?More info
HIF health insurance
  • Comprehensive Working Visa
  • Intermediate Working Visa
  • Essentials Working Visa
  • Basic Working Visa
  • Top Extras
  • Advanced Extras
  • Essential Extras
  • Simple Extras
  • Value Extras
  • Basic Extras
More info
Australian Unity
  • Workers Cover Plus
  • Mid Workers Cover
  • Budget Workers Cover
More info
HCF health insurance
  • Top Plus Cover
  • Top Cover
  • Mid Cover
  • Basic Cover
  • Included in Top Plus Cover
  • Included in Top Cover
More info
nib health insurance logo
  • Budget Visitor Cover
  • Standard Visitor Cover
  • Advantage Visitor Cover
  • Budget Visitor Cover with Extras
  • Standard Visitor Cover with Extras
  • Advantage Visitor Cover with Extras
More info
Health fundHospital cover for overseas visitors Extras cover available or included? More info
Allianz Global Assistance
  • Visitors Plus
  • Budget Visitors
  • Included in Visitors Plus
  • Not included in Budget Visitors
More info
Australian Unity
  • Basic Overseas Visitors Cover
  • Mid Overseas Visitors Cover
  • Top Overseas Visitors Cover
  • Comprehensive Extras
  • Basic Extras
More info
  • Platinum Visitors Cover
  • Essential Plus Visitors Cover
  • Gold Visitors Cover
  • Essential Visitors Cover
  • Included in Platinum Visitors Cover
  • Included in Essential Plus Visitors Cover
More info
Frank Health Insurance
  • Frank Minimum Working Visa
  • No extras policies available
More info
  • Working Visa Hospital and Medical Cover
  • Working Visa Hospital Cover
  • Included in Working Visa Hospital and Medical Cover
  • Not included in Working Visa Hospital Cover
More info
  • Overseas Visitors Health Cover
  • Ultimate Extras
  • Lifestyle Plus Extras
  • Active Lifestyle Extras
  • Lifestyle Essentials
  • Basic Extras
More info
  • Comprehensive Working Visa
  • Intermediate Working Visa
  • Essentials Working Visa
  • Basic Working Visa
  • Visitor Saver
  • Visitor Value
  • Premium Options
  • Super Options
  • Special Options
  • Saver Options
More info
  • Budget Visitor Cover
  • Value Plus Visitor Cover
  • Basic Visitor Health Cover
  • Mid Visitor Cover
  • Top Visitor Cover
  • Not included in Budget Visitor Cover
  • Included in Value Plus Visitor Cover
  • Included in Basic Visitor Health Cover
  • Included in Mid Visitor Cover
  • Included in Mid Visitor Cover
More info
  • Overseas Visitor Health Insurance
  • No extras included
More info
  • Top Visitor Cover
  • Mid Visitor Cover
  • Basic Visitor Cover
  • Budget Visitor Cover
  • Included in Top Visitor Cover
  • Included in Mid Visitor Cover
  • Included in Basic Visitor Cover
  • Not included in Budget Visitor Cover
More info

Frequently asked questions

James Martin
This article was reviewed on 6 April by . James is the insurance editor at Finder and he's written on a range of insurance and finance topics for over 7 years.

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22 Responses

    Default Gravatar
    LaiMay 23, 2023

    I am a pensioner from the Netherlands. Does it mean that I can apply for Medicare in Australia?

      Avatarfinder Customer Care
      JamesMay 26, 2023Staff

      Hi Lai,

      Thanks for reaching out. To apply for Medicare, you’ll need to live in Australia and meet other eligibility criteria. It’s best your refer to Services Australia’s guide on enrolling in Medicare to get more detailed help with your inquiry.

      Best wishes,


    Default Gravatar
    MannyMarch 2, 2023

    I am applying for a couple to come out and visit Australia and I have been advised to take out this insurance for them. What would happen should their applications be rejected? Will I be refunded the amount I have spent on insurance or not? Technically, they would not even have access to it because they are still overseas.

      Avatarfinder Customer Care
      GaryMarch 7, 2023Staff

      Hi Manny,

      Yes, you should be able to get a refund – just reach out to the insurer. In lots of cases, you will only start paying for overseas health cover from the day the applicant enters the country.

      Hope this helps.


    Default Gravatar
    LeonNovember 8, 2022

    I am a student who is going to Australia for studying, and the university has already brought me a OSHC. Now I want to check the details in myhealth APP. So I plan to resign it first. However, no matter what email address I type in, or even though I use VPN from Australia, I still cannot receive the 6 digital CODE. I have tried it so many times. Why would this happen? And what should I do now?

      Avatarfinder Customer Care
      JamesDecember 4, 2022Staff

      Hi Leon,

      Sorry to hear that! You may want to contact the provider directly to help you with your login details.


    Default Gravatar
    baruDecember 16, 2019

    wanted to best cover for visitor coiming to Australia. a couple

      Default Gravatar
      NikkiDecember 21, 2019

      Hi Baru,

      Thanks for your comment and I hope you are doing well.

      It looks like you are on the accurate page to find and compare overseas health cover. On the page, you will find a table that compares the features and benefits of each OVHC provider such as price, visa complaint, cover and etc. You can also click the compare box beside each loan option and compare up to 4 options side by side for easier comparison. This way it will be easier for you to see which provider fits you best.

      As a friendly reminder, carefully review the Product Disclosure Statement of the product before applying. You may also contact the insurance provider should you have any questions about their policy.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    LukeNovember 25, 2019

    I’m looking for ambulance cover for a friend of mine currently holding a Bridging Visa. Can you advise?

      Avatarfinder Customer Care
      JoshuaNovember 26, 2019Staff

      Hi Luke,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      It’s nice to hear that you’re helping your friend. We do have a page about bridging visa health insurance that might help. On the page, you will see a table that allows you to compare bridging visa health insurance based on various details and descriptions. Moreover, the insurers listed on that page should include ambulance cover unless otherwise stated.

      While looking for insurers, please make sure you read the terms and conditions of the policy to learn more and know if it is the right policy for you or not.

      I hope this helps. Should you have further questions, please don’t hesitate to reach out again.

      Have a wonderful day!


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